Credit Repair Payment Processing

Credit repair can only bill after work is done under CROA. Roots works with firms whose billing matches the law, which is also what acquirers require. Roots works with virtually any legal business, subject to underwriting.
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Payment solutions for credit repair companies

How these solutions fit credit repair companies

See what each option adds to the way your business takes and tracks payments.

High-Risk Merchant Account

For credit repair companies: Present your model for permitted advisory fees and service charges to specialist processing partners, with product and fulfillment documentation prepared. Roots Payments places credit repair companies with acquiring banks and processors that knowingly underwrite credit repair services, so the account is built to last instead of flagged after the first review. We work with virtually any legal business, subject to underwriting; pricing, limits, and terms depend on the acquirer's review. Reserves may apply, and any reserve is disclosed in your agreement before you sign.
  • Pre-underwriting review of your website, checkout, and documents (CROA-compliant contracts, 3-day cancellation notices, state bonds, and billing-after-service evidence)
  • Application packaged and submitted only to acquirers with appetite for your category
  • Plain-English walkthrough of pricing, reserve, and termination terms before you sign
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Recurring Billing

For credit repair companies: Schedule and manage payments for scheduled service charges and advisory subscriptions, including renewals and customer account balances. Recurring charges are a leading dispute source for credit repair companies when customers forget or can't cancel. Roots sets up billing with express consent capture, renewal reminders, simple online cancellation, and account-updater services, in line with ROSCA and state automatic-renewal laws.
  • Review of offer terms and checkout disclosures against ROSCA and state automatic-renewal laws
  • Billing platform setup and gateway integration
  • Descriptor and receipt design that customers recognize
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ACH Payments

For credit repair companies: Offer bank-account payments for permitted advisory fees and service charges, with authorization and invoice matching built into the workflow. Bank payments give credit repair companies a lower-cost option for larger tickets and a backup if card processing is reviewed. ACH has its own risk rules, including return-rate limits under Nacha, so it is underwritten separately.
  • ACH underwriting alongside your card account
  • Authorization language and receipt templates
  • Integration into invoices, checkout, or your CRM
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Transfer initiated

$1,468.99 · ref ACH-7731

Chargeback Management

For credit repair companies: Organize evidence for disputed permitted advisory fees and service charges, including customer authorizations, delivery details and service records. Roots coordinates chargeback-management services to help your business handle disputes and organize responses.
  • Discuss your business goals on a free consultation
  • Coordinate your provider introduction and setup
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Text to Pay

For credit repair companies: Send a payment request for permitted advisory fees and service charges by text so customers can pay against a specific order or invoice. Keying card numbers from phone calls is costly and dispute-prone for credit repair companies. Text-to-pay sends a secure link so the customer enters their own card, with 3-D Secure and a stored consent record.
  • SMS opt-in and TCPA-aware messaging setup
  • Template copy for links and receipts
  • Integration with your CRM or case system
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Credit Repair Companies payment questions

Start with the workflows your business needs. Options on this page include Credit Repair Merchant Account, Credit Repair Recurring Billing, Credit Repair ACH & eCheck Payments. Roots helps compare the setup, software and processing requirements around how you operate.
Yes. Bring your current POS, checkout or billing tools and recent processing statements. We review your product catalog, checkout, account history and processing application, then plan the changes your credit repair companies business needs.
Request a quote for your business. The review covers your payment mix, locations, software, hardware recommendations and implementation work. Consultations and payment reviews are free.
Bring recent payment statements, the systems you use and a record of how a customer places an order, receives a service or pays a bill. Tell us which credit repair companies workflows need to improve so we can scope a practical setup.

Let’s set up payments for your credit repair companie business

Book a free 30-minute payment review to compare costs, address payment problems and plan your next steps.
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