Credit repair businesses can take card payments when they are matched with a provider whose policy covers credit services and when billing follows the advance fee rules. Mainstream processors prohibit credit repair, but specialist acquirers board compliant firms. What decides the outcome is charging only for work already done, clear contracts and a clean complaints record.
Under the Credit Repair Organizations Act, a credit repair organization may not charge or receive payment for a service before it is fully performed. Acquirers check your pricing page, contracts and billing schedule against that rule. A model where customers pay after each completed round of work, with clear records of what was done, is far easier to board than an upfront fee or a monthly retainer.
If you sell by phone, the FTC's Telemarketing Sales Rule also restricts when fees for credit repair can be requested or collected. Underwriters ask how customers sign up, so describe your sales channels and show that phone sales follow the same rules as your website.
In the UK, a credit repair firm, one that provides credit information services aimed at changing or stopping a credit reference agency's records about an individual, carries on a regulated activity and needs authorisation from the Financial Conduct Authority. Debt adjusting and debt counselling are separate regulated activities. Acquirers check the FCA register for the exact permissions.
Promises to remove accurate negative items, guaranteed score increases or 'new credit identity' offers are the kind of claims regulators have taken action against. Describe the service as what it is: reviewing reports, disputing inaccurate items and explaining the process. Underwriters read the whole site, including testimonials and affiliate pages.
Give customers the contract and cancellation rights before they pay, make cancelling easy and refund quickly when work was not delivered. A low and stable chargeback ratio matters more in credit repair than in most industries, because disputes are the first sign of the problems regulators look for.
Many US states have their own laws for credit services organizations, which can include registration, bonding and contract requirements. Acquirers commonly ask which states you serve and for evidence that you meet the rules there, so keep those documents ready before you apply.
Provider suitability differs from business to business: two companies in the same industry can receive opposite answers because of licence, market mix, ticket size or dispute history. We do not state that a provider accepts an industry unless that provider has confirmed it, and no one can guarantee approval.
Provider fit in Credit Repair depends on more than the industry itself: licence, markets, volume and dispute history all change the answer. Answer a few quick questions to start checking your own situation.
Industry, company country and estimated monthly volume, that is all we need to begin.
Yes, through an acquirer whose policy covers credit repair and with billing that follows the advance fee rules. The account is underwritten for credit repair from the start, so it is not closed when the business model is discovered. Approval and final terms are always the provider's decision.
Because of strict advance fee rules, active enforcement by the FTC and CFPB, and customers who dispute charges when their score does not change. Acquirers price for chargebacks and regulatory risk and look closely at how and when you bill.
No. Stripe's restricted business list, updated September 2026, prohibits credit repair, credit counseling and debt settlement services, and PayPal's acceptable use policy prohibits certain credit repair and debt settlement services. Credit repair firms need a provider that accepts the category.
Not in the US. The Credit Repair Organizations Act bars charging or receiving money for a service before it is fully performed. Bill after each completed piece of work, and keep records that show what was done.
Yes. Credit repair is a regulated credit information service in the UK, so the firm needs FCA authorisation with the right permissions. Acquirers check the FCA register before boarding.
Commonly the customer contract, pricing and billing schedule, cancellation and refund policy, any state registrations or bonds, FCA permissions for UK firms, a description of sales channels and recent processing statements.
Bill only after work is done, explain clearly what the service can and cannot achieve, send customers a record of each round of work, make cancellation easy and refund quickly when a customer has a fair complaint.
You describe your service, billing model, licences, markets, volumes and processing history once in our online application. Your profile is matched with a payment provider whose policy accepts credit repair businesses like yours, and your account is prepared with that provider so you can start processing. It is free for merchants, and nothing is shared with a provider until you submit. Approval and final terms are always the provider's decision.
An iGaming payment solution is the combination of acquirer, PSP or gateway, local payment methods and payout rails that lets an operator take deposits and pay out winnings. Which of those will work for you is decided almost entirely by licensing and player geography: a provider that boards a Curaçao-licensed casino is rarely the same one that boards a UKGC-licensed brand, so the first step is matching your licence and markets to an acquirer's gambling programme.
Trading platforms are underwritten on regulatory status and client geography. A regulated brokerage in a recognised jurisdiction has a materially different provider pool than an offshore entity taking retail clients worldwide.
Crypto acceptance depends on what the customer receives. On-ramps selling digital assets, custodial exchanges and crypto-adjacent SaaS are underwritten as three different risk profiles.
Add your business essentials once. Your profile is compared against provider criteria, and nothing is sent until you submit your onboarding pack.
Check my payment optionsNothing is shared with a provider until you submit your onboarding pack. Approval is always the provider's decision.
