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 processor, we have a solution for your particular situation. We’re available to answer any questions and provide ongoing continued support for our valued customers.

Don’t hesitate, call us immediately for assistance. Our dedicated staff is standing by to assist you. Our typical turn-around 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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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 with the industry and tend to create a higher ratio of chargebacks in this vertical, making procuring high risk merchant account a challenge for the high quality companies that actually 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 to 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.

We Approve:

  • Legitimate Credit Repair
  • Attorney Based Operations
  • Consumer Law Representation
  • Commercial Credit Score Building

What Is A Credit Repair Merchant Account:

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

Who Needs Credit Repair Merchant Accounts:

The credit repair industry will continue to need to accept payments from clients for improving credit scores. As online competition continues to increase in the space the growth of merchant services in this sector with climb as well. With the current uptrend in employment and household income, consumers will be more focused on cleaning up challenged FICO Scores and rebuilding their overall financial situation. Another driver in this space is the current push in home ownership. With credit tightening during the sub-prime mortgage debacle, mortgage lenders are requiring full income documentation, sizable LTV deposits, and of course very strong credit histories to be considered for a home mortgage. Further auto sales continue reach record sales driving the need for credit repair and clean credit histories.
According to, In February 2020, U.S. consumer debt rose by 6.4% to $4.23 trillion. 1 That surpassed last month's record of $4.2 trillion. Of this, $3.13 trillion was non-revolving debt, and it rose by 7%.consumer debt. Those numbers exceed the GDP of many countries combined, which is a very scary thought. In a positive light, as long as the economy grows, you can pay off this debt more quickly in the future. That creates an upward cycle, boosting the economy even more. It allows you to furnish your home, pay for education, and get a car without having to save for them. In that way, it supports the American Dream.

In today’s world, having a good credit score is one of the most important things the average person will have to deal with on a day to day basis. Unfortunately, cultivating a good credit score through a strict set of habits is not always the easiest thing for some. A credit repair service tends to be one of the best solutions for issues related to credit score related issues. The National Association of Credit Services Organizations lists seeking professional help as one of the top five tips on improving one’s credit score. Dealing with an organization that has the knowledge on how to most efficiently increase a person or businesses credit score could be the deciding factor between well rested or sleepless nights. There are many manners in which a credit repair service is able to help their client to increase their credit score over time or potentially even combat an error in their file. Services can range from credit analysis and consultation, debt validation, dealing with disputes and negotiations and of course, re-establishing the credit itself. With so many potential avenues in which your agency can gain new customers and grow your business, it will be imperative that you are able to grow with it. This is where having a merchant service account comes into play. Since most traditional banks will consider the credit repair industry to be too high risk, you will likely need a merchant account service provider for your credit processing needs. Businesses that operate in credit repair tend to be vulnerable to chargebacks and disputes due to the fact that the majority of people you will be dealing with will have damaged or low credit scores. Being vigilant in avoiding chargebacks and potential disputes will be the surest way to keep your repair agency operating at its best. Bottom line, the current demand for home mortgages, auto loans, and consumer credit will fuel the credit repair industry and the need for credit repair merchant accounts.

Multiple Processing Platforms:

We offer multiple payment platforms for the credit repair industry. Options include ecommerce payment solutions, such as online shopping carts for website clients to board payments. We also offer capability for telephone merchants using virtual terminals for staff to input phone transactions and full CRM payment integration for call center merchant account. Our experience staff can tailor an individual plan to suit your individual business needs.

  • Ecommerce Payment Gateways
  • Full CRM Payment Integration
  • Automated Recurring Payment Modules

Our Benefits:

  • Speedy Secure Online Application offers fast merchant approvals.
  • Diverse Processing Solutions, include Ecommerce & CRM Integration.
  • Your Own Account Manager to expedite the approval process.
  • Diversified Acquirers with appetites for the credit repair industry.
  • Streamline Turn-Around Time On Approvals.

Our Mission:

Our goal is to approve all merchants, regardless if you have been shut down or turned down in the past. We understand mitigating circumstances such as chargeback ratios and exponential monthly volume growth can devastate a bank relationship, causing a merchant closure or substantial holds place on an account to protect the bank from losses. We are dedicated to making every attempt to resolve issues and get your account approved. Our commitment to excellence and going the extra mile to exhaust every opportunity is our mantra. We strive to exceed expectations and utilize our expertise and competence to deliver unsurpassed customer satisfaction.

Our Commitment:

With our team’s unique experience in the payment space, we bring the vital expertise to get your account approved quickly and painlessly. Our staff is committed to providing unsurpassed customer service and strive for 100% customer satisfaction. Give us a call today to discuss all of your credit card processing needs.


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 your merchant account 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