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Merchant Accounts

Credit Repair Payment Processing - Requires a 600 FICO score and a completed application, including EIN number. If you are new to the business and have a lower credit score, we can still work with you using an ACH option. You will need to contact us directly at the email or telephone number at the bottom of the page.

For current credit repair businesses wishing to obtain merchant services, there are four options available below:

  • Option #1 - ACH
    • $100 Application fee (payable if you are approved or declined)
    • 2.00% + $1.00 per transaction
    • $19.99 Monthly fee
    • 5% Reserve
    • Approval time is 5-7 business days but requires 600+ FICO score and will include a background check
  • Option #2 - ACH - Demand Draft
    • $99.00 Application fee
    • 2.25% + $0.50 per transaction
    • $29 Monthly fee
    • No Reserve
    • Approval time is 2-5 business days with no FICO score requirement. Preferred business bank list: Chase Bank - US Bank - Busey Bank - Regions Bank - PNC
  • Option #3 - Credit Card
    • $199.99 Application fee
    • 2.99% + $0.35 per transaction
    • $19.99 Monthly fee
    • $19.99 Gateway fee
    • $50.00 Maintenance fee - Charged only if you do not process at least $800 a month
    • 10%-20% Reserve depending on Risk
    • Approval time is 2-5 business days but requires 650+ FICO score and need to have 3 months of processing history (example - PayPal, Square, ACH, etc.) or 2 years tax return (Business or Personal) with Strong financials
  • Option #4 - Credit Card
    • $199.99 Application fee
    • 3.95% + $0.25 per transaction
    • $79.00 Monthly fee
    • $19.99 Gateway fee
    • 10-20% Reserve depending on Risk
    • Approval time is 3-6 business days - 600+ FICO Score preferred
To start the process, Click Here!

We also have competitive rates for non-credit repair businesses needing merchant accounts.  Inquire with us at the email or telephone below for more information.