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Get Started FreeHigh-Risk Industries · Credit Repair
A credit repair merchant account is a high-risk merchant account built for credit education and repair businesses. Because card networks and traditional banks classify credit repair as high risk, many mainstream processors decline these businesses or terminate accounts after a few months of processing. PayKings underwrites credit repair merchants through 20+ acquiring bank partners, so your application is matched to a bank that actually wants your business.
Be approval-ready
What credit repair underwriters ask for
Your terms, before you sign
Waivable
Early termination fee, with no long-term contract — every term is in your merchant service agreement before you sign.
Next-day
Funding, backed by 24/7 support.
Apply
Getting set up
It takes minutes and does not interrupt your current payment processing.
Typically a government ID, business bank statements, prior processing statements (if available), and a compliant website with clear terms of service and a refund policy.
We match your business model — one-time audits, monthly plans, or per-item billing — to the right acquiring bank.
Connect your gateway, set up recurring billing, and begin accepting payments for your credit repair services.
Merchant services
Our merchant services for credit repair companies bundle everything you need to bill clients:
PayKings expedites the approval process for credit repair merchant accounts and backs every account with dedicated support through the application process and onwards. Our tailored solutions are designed to meet the specific needs of the credit repair industry.
Gateway & ACH
Running your business on Credit Repair Cloud or another credit repair CRM? You still need your own merchant account and gateway to bill clients.
PayKings provides gateways that work alongside credit repair CRMs and common tools like WordPress and accounting software, so client billing, dispute tracking, and bookkeeping stay in sync.
Every account includes a merchant account and gateway for credit repair billing — accept cards:
Many credit repair, credit counseling, and debt consolidation firms also add ACH payment processing for recurring billing: ACH pulls cost less per transaction and reduce the card chargeback ratios that put merchant accounts at risk.
Choosing a processor
A business bank account holds your funds; a merchant account is what lets you accept card and ACH payments, settling those funds into your bank account. Credit repair businesses need both — and because the industry is high risk, the merchant account is the harder one to get.
PayKings handles the merchant account side and works with the business bank account you already have.
When comparing credit repair payment processors, look at:
PayKings is a high-risk payment processing provider specializing in credit repair, with fast approvals, 20+ bank partnerships, and dedicated support through the application process and onwards.
What's included
The difference
Built for the businesses other processors turn away.
FAQ
Everything you need to know about high-risk payment processing
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