Credit repair businesses
Credit Repair Merchant Account Options
Your payment review should reflect the services you deliver and how you bill for them. ProudPay helps credit repair businesses connect with specialists to explore potential merchant account options.
No obligation. No guaranteed approval.
Explain the service behind each charge
A useful account conversation starts with a clear description of your work. Explain what a customer purchases, how services are documented, when a charge occurs, and how questions or cancellation requests are handled. Include your advertising and sales process, not just the final invoice.
If a previous provider declined or closed your account, share the reason you were given. A specialist can then discuss what information is needed to assess a new inquiry. A different payment method does not remove the obligations that apply to the underlying service.
Prepare your business information
Bring materials that make your business model understandable. The payment team will determine which supporting records are required for an application.
- A plain-language description of your services
- Customer agreements, disclosures, and billing schedule
- Website, advertisements, and sales channels
- Refund, cancellation, and complaint-handling processes
- Applicable business registrations and licenses
- Processing history and an explanation of any disputes or account closures
Ask about fit before features
Start by asking whether the provider can consider your specific model. Then discuss the practical setup: invoices, authorized recurring payments where permitted, payment records, customer receipts, and the systems your team already uses.
Review pricing alongside any reserve, funding schedule, monthly limit, and cancellation terms. Avoid making operational plans around an assumed approval or timeline. Your eligibility and terms must be confirmed through the provider’s process before you rely on an offer.
A review built around your business
Discuss your services, billing practices, and processing needs with our payment processing partners. An individual review can help identify suitable account options and the requirements for applying.
Common questions
Does ProudPay approve credit repair businesses?
No. Approval depends on the provider’s review of your business, billing model, and supporting information.
Can changing to ACH resolve eligibility concerns?
Not automatically. ACH has its own provider requirements, and your business and billing model still need review. Ask about eligibility before choosing a payment method.
Can I submit an inquiry after being declined?
Yes. Explain the reason for the decline if you know it and any changes you have made. Another review does not guarantee a different result.
Ready for a closer look?
Tell us about your business. We’ll help you start the right conversation.