Credit Repair Merchant Accounts

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We specialize in Credit Repair Merchant Accounts and merchant accounts for credit repair. We approve practically every business type, even if you have been turned down for payment processing. With decades of experience, our team is here to help. Even if you have been shut down by your current payment processor, we have a solution for your situation. We’re available to answer any questions and provide ongoing continued support for our valued customers.

Don't hesitate, to call us immediately for assistance. Our dedicated staff is standing by to assist you. Our typical turnaround time is 3 business days and, in some cases, the same day. We look forward to working with you.  Apply Today

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What Is A Credit Repair Merchant Account?

A Credit Repair Merchant Account is for the credit repair industry, to supply the ability to procure payments from clients for services performed. These payment processing capabilities include debt card, credit card, and ach processing. Many companies charge clients monthly while they perform services on behalf of the client. Most law firms will charge an up-front-retainer to begin representation and may charge further expenses involved in complex cases. In either case, processing payments is a necessity and could include debt cards, credit cards, electronic check drafts, or high risk ach processing. Our qualified staff can determine a payment processing solution to meet your needs.

Obtaining a credit repair merchant account is extremely important. Credit repair companies offer valuable services to help consumers on daily basis reduce debt and improve their credit rating. However, getting a credit repair merchant account is not easy. Thankfully, viable solutions exist. Read on to learn what exactly is credit repair merchant account, how to find a trustworthy provider, various merchant accounts for credit repair companies , the underwriting process, and more.

We Approve:

  • Credit Repair Companies
  • Credit Repair Agencies
  • Credit Repair Businesses
  • Credit Repair Websites
  • Attorney-Based Credit Repair Services
  • Consumer Credit Law Representation
  • Commercial Credit Score Building
  • Business Credit Score Restoration
Credit Repair Merchant Account

What Are Credit Repair Merchant Accounts?

Credit Repair Merchant Accounts for credit repair businesses to procure credit card payments, debt card payments, and ACH Payments, from their customers. Utilizing, other online transactions, via a payment gateway, central processing unit, payment terminal, mobile payments, virtual terminal, or e-commerce payment system.

Credit repair companies help consumers who have had issues with their credit, who have late payments on their credit records, or who simply cannot make payments. Through their services, credit repair companies help these consumers repair their credit scores on credit reporting agencies like TransUnion and Equifax, as your Credit Score in the United States is so vital. To do that, they need a merchant account. Merchant accounts allow businesses to accept and process credit cards and other forms of payment. A credit repair company certainly needs one because credit repair operations don’t deal in cash. Those are the key advantages of getting credit repair merchant accounts.

Merchant Account For Credit Repair

We Offer Merchant Accounts For Credit Repair Companies:

Merchant Account for Credit Repair: The process of finding a merchant account for credit repair is like searching any merchant account for payment processing. You simply need to make sure that you find a reliable merchant services provider that specializes in the credit repair industry and offers relevant features and support for credit repair businesses.

Convenient Payment Methods: By acquiring a merchant account and accepting credit repair payments through cards, you offer convenience to your consumers. As a result, a credit repair merchant account helps you improve customer experience and reduces the risk of payment disputes and fraud requests in addition to increasing your sales and promoting business growth.

Reduced Chargeback Ratios: Obtaining a merchant account can significantly reduce the chargeback ratio for credit repair payments. This is because these accounts allow consumers to pay via both electronic checks and bank cards. ACH transactions particularly are difficult to chargeback as compared to card payments. So, they are an excellent way to keep your chargeback rates low.

Easy Merchant Account Application: You want your credit repair merchant account to be set up quickly and in a hassle-free way. So, be sure to look for a merchant account provider that offers an easy application process with as few steps as possible so you can set up the account promptly, so you can commence your online business.

Affordable Credit Repair Merchant Services: Credit repair companies typically struggle to secure merchant service solutions and when they do find a provider, they are charged costly processing rates. But there are some great options out there. You just need to do your homework. Find a merchant account provider that charges no application and setup fees for obtaining a credit repair merchant account. Make sure they offer reasonable fees, so you don’t have to pay any unnecessary overheads.

Top-Notch Service: Look for a reputed credit repair merchant account provider that offers quality service with no technical issues, no interruptions, and hassle-free operations so you can help your credit repair consumers pay on time, boost your sales, and grow your business.

Credit Repair Merchant Services

What Are Credit Repair Merchant Services?

Credit repair companies help clients whose credit scores have been impacted by bankruptcy or a more recent lifestyle change, e.g., unfortunate family tragedies, health problems, divorce, etc. Credit repair businesses work to improve individual credit ratings by offering various services. All credit repair businesses benefit from being able to accept and process credit and debit card payments as well as other forms of online transactions. A credit repair merchant account allows these companies to offer unmatched convenience for consumers, helping them make sure that they make their credit repair payments on time.

However, this is just one part of credit repair merchant services. A good credit repair merchant account provider offers many other services to their approved clients to help them with:

  • Credit repair consultation
  • Credit re-establishment
  • Cease & Desist Letters
  • Settlement assistance
  • Dispute processing

An important thing to note is that each credit repair company is unique, and the credit repair merchant services offered also vary from one merchant services provider to another. Generally, reliable credit repair merchant account providers offer their services to all kinds of credit repair and restoration businesses, including:

Contact HRMA-LLC for more information and to get your account approved quickly.

Best Credit Repair Merchant Account

Best Merchant Accounts for Credit Repair Companies:

Having a merchant account for credit repair companies is extremely valuable for your business. Without it, you cannot accept and process credit repair payments and operate your business to its fullest extent. Considering the type of industry your business belongs to, you want to choose the best merchant account possible. The good news is, there are many reliable credit repair merchant account providers out there. Most of them offer straightforward application processes so you can be in business promptly.

There are several things to consider when choosing a credit repair merchant account. The best merchant accounts for credit repair companies have the following features and characteristics:

  • It meets all the key requirements and needs of your credit repair and restoration business.
  • It has no hidden fees or charges associated with it.
  • It supports a wide range of payment methods that your clients prefer.
  • There is a 24-hour customer support service associated with the merchant account.
  • There are the latest pre-built integrations to serve your specific business needs.
  • There are many other valuable services besides payment processing.
  • The best credit repair merchant accounts are flexible. This means they can scale with your business. In other words, when your business grows, you need more features, services, and options. A reliable merchant account for credit repair can accommodate those needs.
Merchant Services for Credit Repair

Merchant Services Rates for Credit Repair Business:

It is important to be very clear about what fees and rates to expect before you sign a contract for merchant services for credit repair company. A proper understanding of credit repair merchant services rates will help you make an informed decision when choosing a provider.

When it comes to merchant services rates for credit repair businesses, unfortunately, it is difficult to generalize or ballpark what you will pay because there are a lot of factors involved. But overall, it depends on what the terms and conditions you are offered and accept. Since credit repair is a high-risk business, you can expect service rates to be an additional 2-5% more as compared to a low-risk merchant account. High-risk merchant services are relatively costly, and the additional rates are there to cover the extra risk that the merchant services provider is taking for your credit repair business.

The good news is, rates and fees vary from one merchant services provider to another. This means you can shop around to find the ones that offer reasonable rates for your high-risk business without compromising on offering you the best quality services. When choosing a provider, it is recommended that you request a quote to learn how much a credit repair merchant services account will cost your business specifically.

Credit Repair Merchant Processing

Underwriting Concerns for Credit Repair Merchant Processing:

Once you submit the online application form for obtaining a credit repair merchant processing account, the underwriting process will begin. A team of underwriters and processors will perform various checks to ensure that you are running a reputable, legitimate business. Underwriters look for any red flags, e.g., whether you are following all credit repair regulations and rules, etc. to assess risk. The Security Standard for acquiring bank underwriting guidelines must be met before an account can be approved.

Underwriters also determine risk by checking your credit repair business website, bank statements, payment processing history, and credit score. If your website lacks solid refund and privacy policies posted, it will decrease your chances of approval. Generally, factors like a merchant’s history of high chargeback ratios, credit history, late payments, unpaid bills, and negative bank account balance increase the risk to a merchant services provider.

The good news is, there are ways to increase your chances of getting approved for a credit repair merchant account. Start by preparing for an underwriter’s review. You can do that by:

  • Satisfying outstanding bills and debts
  • Having a stakeholder in the business with a good credit score
  • Having a substantial sum of money in the bank
  • Handling anything that seems and looks questionable before the underwriting process begins.

Ultimately, you want to show the merchant services provider that they are not taking any unnecessary risks by approving your credit repair merchant account.

Utilizing credit card fraud protections like AVS, EMV, Card Security Code, PCI Security Standard, Payment Card Industry Data, and SSL Certificates, will greatly reduce your company’s exposure to credit card fraud liability risk.

High Risk Merchant Account Credit Repair

Best Merchant Accounts for Credit Repair

As a credit repair business, your services are crucial to a lot of people that need them and you need a reliable merchant account to effectively assist your clients. Unfortunately, it’s not easy to obtain a credit repair merchant account. Typically, a merchant account for credit repair is required. This is because credit repair companies are considered “high-risk”. The main reasons your business is labeled high-risk include the probability of high chargeback ratios and your business being under tight scrutiny by regulatory bodies.

Traditional financial institutions and banks will decline your application for a merchant account. Fortunately, there are merchant services providers that specialize in approving high-risk businesses like yours. You simply need to find one.


With a high approval rate and years of experience, HRMA-LLC offers its services to help credit repair companies succeed. We have the credit repair industry knowledge and a vast network of financial institutions partnerships. This means we are more than capable of providing the superior service and a wide variety of options your high-risk credit repair business needs to stand out from your competitors.

At HRMA-LLC, we offer many advantages and benefits for credit repair companies, including (but not limited to):

  • Competitive Pricing
  • Simplified Payment Card Industry Compliance
  • Integrated Payment Gateways
  • Advanced Chargeback Mitigation and Anti-Fraud Tools

Get in touch with us today so you can acquire the merchant services you need to manage and grow your credit repair business.

High Risk Merchant Account LLC can accommodate credit repair merchant accounts for legitimate credit repair companies. With many scams on the market consumers are a bit skeptical of the industry and tend to create a higher ratio of chargebacks in this vertical, making procuring high risk credit card processing a challenge for the high-quality companies that do exist. If your credit repair company offers a legitimate service, we can get you approved to accept payments from clients. With decades of experience in the merchant account space, we understand the needs of this sector and have payment solutions to match your unique business situation. Give us a call today.

At High Risk Merchant Account LLC, your business success is our ultimate goal. Our dedicated staff is standing by to assist you in navigating the payment processing space. With decades of experience, our team is committed to providing competent knowledgeable advice and a plan of action to get credit repair merchant accounts approved quickly. Call us immediately to get on the fast track for credit repair merchant account approval. Our typical turn-around time is 3-5 business days and in certain cases the very same day. We look forward to working with you! Apply Online Today