Credit Repair.
High-risk-friendly processing for credit repair organizations, CROA-aware from day one.
Built For You, Configured By Us.
Recurring billing that respects CROA timing rules, chargeback mitigation, and acquirers comfortable with the vertical.
Stop processing scared — get boarded properly.
- ★High-risk underwriting expertiseWe board CBD, vape, nutraceutical, credit repair, and travel merchants with acquiring banks that explicitly accept the vertical — so accounts stay open.
- ★Chargeback mitigation toolsPrevention alerts, clear descriptors, and dispute-response support keep your chargeback ratio under the thresholds that get high-risk accounts terminated.
- ★Compliant descriptor setupBilling descriptors and account configuration done right the first time, so customers recognize the charge and your processing doesn't go dark over a miscode.
- ★Stable, long-term processingHonest reserve terms disclosed up front and acquirers who want your business — not a teaser approval that gets swept away in the next compliance review.
What It’s Really Like To Run A Credit Repair.
Your work is regulated down to the sentence: CROA dictates your contracts, your disclosures, and — critically — when you’re allowed to charge. You can’t bill until work is performed, so your revenue arrives in monthly increments while your dispute letters, bureau follow-ups, and client updates happen every single day. Clients arrive stressed and skeptical, and part of your job is proving you’re one of the legitimate operators in an industry that carries baggage it didn’t all earn.
Payments make it harder. Mainstream processors see “credit repair” on an application and decline outright, so somebody boards you under a vague consulting code — and that works right up until a chargeback dispute reveals what the business actually does. Then comes the termination, the fund hold, and a mark on your record. Add clients who dispute charges the moment their score doesn’t jump fast enough, and your chargeback ratio — not your compliance record — becomes the number that decides whether you keep processing.
Under CROA, credit repair companies can’t charge before services are performed — so your processing setup has to fit a billing model most processors were never built for.
Where Payments Hurt
- ★Declined or dropped the moment a mainstream processor sees “credit repair”
- ★Boarded under a vague consulting MCC, then terminated when risk finds out
- ★Clients disputing charges when results take longer than they hoped
- ★Recurring-billing failures — expired cards, retries, and involuntary churn
How Lone Star Fixes It
- ★Underwriting through acquirers that explicitly accept credit repair, with your CROA-compliant contracts as an asset, not a liability — see the high-risk merchant account guide
- ★Chargeback alerts plus dispute-response help, because your ratio is the metric that keeps you processing — our chargebacks guide covers the mechanics
- ★Tokenized card-on-file through NMI or Authorize.net for compliant post-service recurring billing with automatic card updating
- ★Clear billing descriptors matching your business name, so clients recognize the charge they agreed to
Credit Repair Owners Ask Us
Why won’t normal processors work with credit repair companies?
The industry’s regulatory scrutiny and above-average dispute rates put it on most banks’ prohibited lists, regardless of how compliant an individual company is. Specialized high-risk acquirers underwrite the business on its own record instead of the category’s reputation.
How do I bill monthly without violating CROA?
Charge after each month’s work is performed, with contracts and disclosures that document it. A tokenized card-on-file setup handles the recurring charge without storing card numbers yourself. Your attorney owns the compliance piece; your processor should at least not fight the model.
What happens if a client disputes a charge?
You respond with your signed contract, work log, and communication records — documentation wins credit repair disputes. We’re based in Dallas, and when a dispute lands you can get a person on the phone to help you build the response instead of a portal and a deadline.
Explore Specialty
Ready To See It In Action?
Call (214) 838-1818 and a specialist will walk you through the right setup for your business — and ask about up to $5,000 to upgrade your POS.
