Chargeback support through a referral partner

Roots coordinates chargeback-management services to help your business handle disputes and organize responses.
Talk to a credit services company payments specialistAll credit repair companies solutions
Free 30-minute consultation. Review your setup, compare options and leave with clear next steps.

Payment solutions for credit repair companies

How each solution supports 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
Explore this solution

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
Explore this solution

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
Explore this solution
✓

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

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
Explore this solution

Chargeback Management questions

Questions credit services company merchants ask about approval.
We review dispute notices, transaction records, fulfillment evidence and your refund policy. Roots helps your team organize a clear response through your processing partner.
We can improve receipts, billing descriptors, customer communication and evidence collection. Those changes help address common reasons customers dispute payments.
Bring recent dispute notices, transaction records and your refund policy. Roots uses these details to plan the workflow for credit repair companies and prepare a clear setup scope.
Request a quote for your business and the setup you need. We review the scope and costs with you before you proceed. Consultations and payment reviews are free.

Ready to talk it through?

Book a free 30-minute review. We’ll map your setup, explain the options and work through clear next steps.
Talk to a credit services company payments specialistAll credit repair companies solutions