Ellen Cibula
Written by Ellen Cibula Payments, Finance, and AI Expert: Learn More

For credit repair business owners, accepting payments can be a challenge. 

Trying to find the best merchant accounts for your credit repair business? I’ve reviewed the top 4 merchant options for this high-risk industry so that you don’t have to spend hours researching and vetting different solutions. As someone with years of experience working at a payment processor, I’m uniquely suited to provide an informed perspective about what’s currently available in the market. 

The credit repair industry is booming, as the total consumer debt balance is $16.38 trillion for Americans, and credit card delinquency rates climb. So the need for credit repair businesses also rises.

With these 4 Best Credit Repair Merchant Accounts guide, you’ll know exactly what features each account offers and which will work best for your business. To make things easier for you, I also list both pros and cons of each merchant option so that you can quickly compare them side-by-side.  

Keep reading to learn more about how to choose the perfect merchant solution for your business!

Ellen’s pick

Soar Payments

Soar Payments Logo
  • Integrates with your existing credit repair software
  • Integrates with multiple gateways
  • Instant online quote with quick approvals
  • Accept payments in-person, MOTO, online, and mobile
  • Recurring billing available
Best for online businesses

Easy Pay Direct

Easy Pay Direct Logo
  • Transaction routing
  • Easy Pay Gateway
  • Fraud protection and chargeback mitigation
  • 250+ shopping cart integrations
  • Dedicated payment specialist

Here is my list of the 4 best credit repair merchant accounts:

1. Soar Payments
2. Easy Pay Direct
3. Durango Merchant Services
4. PayKings

This site is supported by its readers. If you purchase through a link on my site, I may earn a commission. For more information see my Disclosure Policy

What Are the Best Credit Repair Merchant Accounts?

Here is my ranked and reviewed list of the best credit repair merchant accounts.

ellen’s pick
Soar Payments Logo

Soar Payments

Soar Payments is a leading merchant account provider tailored to credit repair companies. They have positioned themselves as industry leaders in credit repair merchant services, providing competitive pricing and exceptional USA-based customer support.

Specializing in high-risk merchant accounts, Soar Payments caters to the unique needs of businesses in the credit repair sector.

They offer comprehensive credit card processing, ACH, payment gateway, and chargeback management services in the United States.

Their commitment to reliable service and industry-specific expertise makes them a go-to choice for credit repair companies seeking efficient and secure payment solutions.

Merchant Accounts for High-Risk and Hard to Place Businesses, Soar Payments
Soar Payments Credit Repair Merchant Account

Top Benefits

  • Integrates with existing credit repair software (Billsby, Credit Repair Cloud, Dispute Suite, Credit Admiral Software, Score Inc./ScoreCEO, TrackStar, Credit Money Machine, MC Credit Solutions, Dispute Vale, Dispute Composer, DebtPayPro, and Turbo Dispute)
  • Integrates with Authorize.Net, NMI, and USAePay payment gateways
  • Multiple payment options, including recurring billing, if eligible
  • Approvals within 24 hours to a few days, so you can quickly start processing payments
  • Retail, Mobile, Virtual Terminal, and eCommerce Credit Repair Merchant Accounts, so you can accept payments in-person, on the go, MOTO, and online.

Soar Payments Pros

  • Instant online quote
  • No hidden fees
  • 24/7 live customer support
  • Multiple payment options

Soar Payments Cons

  • US-based businesses only (no Offshore and non-US businesses)
  • Prices may be higher for high-risk merchants

Credit Repair Merchant Account Approval Criteria

You must meet the following criteria for a Soar Payments Merchant Account:

  • Owner’s credit score above 600
  • Website must not sell or mention tradelines
  • Must not offer free trials
  • Payment plans can be no longer than 12 months


Soar Payments customizes the underwriting process for each merchant account, ensuring a solution tailored specifically to the individual business. This means a generic, one-size-fits-all pricing model isn’t applicable.

Instead, they provide each account with pricing that accurately aligns with their specific needs and requirements.

Bottom Line: Ellen’s Take

I recommend Soar Payments for a credit repair merchant account due to their seamless integration with credit repair software and various payment gateways. Their system compatibility provides an efficient, streamlined approach to managing your business operations.

They offer multiple payment options, giving your clients the flexibility and convenience they desire.

Soar Payments is also transparent with their pricing, ensuring there are no hidden fees that might catch you off guard.

Additionally, their quick approval process means you can get your merchant account up and running swiftly, minimizing any potential disruption to your business.

These features and their tailored underwriting process make Soar Payments an excellent choice for credit repair companies looking for comprehensive and reliable merchant services.

best for online businesses
Easy Pay Direct Logo

Easy Pay Direct

Easy Pay Direct offers stable merchant accounts for many industries, including credit repair businesses. They actively work with the banks to prevent merchant account issues like freezes, holds, and shutdowns.

Easy Pay Direct accepts applications online or over the phone. They can set you up with a merchant account in as little as 2 days.

Online Merchant Accounts You Can Trust, Easy Pay Direct
Easy Pay Direct Credit Repair Merchant Account

Top Benefits

  • Transaction Routing routes transactions to the bank most likely to approve them, keeping your costs down.
  • Fraud Prevention protects sensitive customer data, reducing the risk of financial losses due to fraudulent transactions and enhancing customer trust in your business’s security measures.
  • Chargeback mitigation reduces the risk of financial losses associated with disputed transactions and safeguards your business’s reputation with banks and credit card networks
  • Hosted checkout so you can add invoicing and Buy Now buttons to your website without having to maintain PCI compliance on your site.
  • Recurring billing so you can set up automatic billing for your clients
  • Mobile Payments so you can accept payment anywhere
  • 250+ shopping cart integrations so you can easily offer online payments to your customers
  • Dedicated Certified Payment Specialist (CPS) for all your payment processing needs
  • EPD Gateway with fraud scrubbing technology, quick books integrations, the ability to ban customers by IP, card number, or amount, and multicurrency support

Easy Pay Direct Pros

  • No monthly minimum volume requirements
  • Funds deposited in 24-48 hours
  • Can use the Easy Pay Direct payment gateway
  • Credit card and ACH payments
  • Transparent fees

Easy Pay Direct Cons

  • $99 one-time setup fee


  • One-time setup fee: $99 (online only)
  • Account fee: $29.99/month (online only)
  • Card-present rate: 1.59% + $0.17 per trans
  • Card-not-present rate: 2.44% + $0.29 per trans
  • ACH/echeck rate: 1.6% + $0.29 per trans

You can cancel within 30 days; Easy Pay Direct will refund your setup fee and your first month’s account fee.

Bottom Line: Ellen’s Take

I recommend Easy Pay Direct for a credit repair merchant account due to their transparent pricing model, which ensures you know exactly what you’re paying for without any hidden costs.

They further stand out with their extensive selection of over 250 shopping cart integrations, facilitating an efficient and seamless online shopping experience for your customers.

Moreover, they provide dedicated Customer Protection Services (CPS) that work diligently to safeguard your transactions and customer data.

The exclusive EPD gateway offered by Easy Pay Direct enhances transaction processing, ensuring swift and secure exchanges.

Plus, their transaction routing feature is an added advantage, intelligently directing transactions to the bank most likely to approve them, thereby increasing approval rates.

With all these features combined, Easy Pay Direct significantly simplifies the payment process for credit repair businesses, making it an excellent choice for your merchant account needs.

best for multicurrencies
Durango Merchant Services logo
Let’s get you processing! Transparent pricing. Quick approval.

Durango Merchant Services

Durango Merchant Services is a well-regarded merchant account provider that caters especially to high-risk industries, including credit repair companies. They have earned an impressive reputation for their comprehensive services and excellent customer support.

One of their standout features is their robust chargeback protection services, which are particularly beneficial for high-risk businesses.

Durango also offers international merchant accounts to businesses in the European Union, accommodating businesses with global operations.

However, their pricing is not publicly disclosed, and the setup process can take some time.

Despite these potential drawbacks, Durango’s specialization in high-risk industries makes them a strong choice for credit repair companies.

Durango Merchant Services credit repair merchant account

Top Benefits

  • Credit repair merchant accounts so your business can accept credit card payments
  • Credit card and eCheck processing so your customers have options in how to pay
  • Full-featured Durango Payment Gateway with Machine Learning Fraud scrubber, transaction routing, integrated terminals
  • Payments via eCommerce, MOTO, retail, mobile, virtual terminal, and API so you can accept customer payments how they want to pay
  • Transaction routing for either multiple MIDs or to route transactions based on load balancing requirements
  • Gateway emulator so you can easily migrate from other gateways to DMS
  • Security features like iSpyFraud (TM), Payer Authentication, Customer Vault, and CertifyPCI(TM) so your and your customer’s information is safe
  • Fraud prevention training so your staff can learn how to use the security tools

Durango Merchant Services Pros

  • US and European merchant accounts
  • Acceptance of multiple currencies
  • Omnichannel payments
  • Robust security features

Durango Merchant Services Cons

  • May require a rolling reserve of up to 10%
  • Pricing is not publicly disclosed
  • Minimum processing requirements

Credit Repair Merchant Account Approval Criteria

US Merchants:

  • Company entity based in the USA
  • Representative of company based in the USA
  • Bank Account is in the USA

European Merchants:

  • Minimum $50,000 USD per month in sales
  • Company based in the EU


Durango Merchant Services tailors their prices to your individual business based on your credit history, processing history, and number of chargebacks.

Durango Merchant Services Credit Repair account fee discount rates

However, they disclose the range of prices available to credit repair merchant accounts.

  • Discount rates between 1.95% and 4.95%
  • Authorization fees from $0.15 to $0.25
  • Monthly installments from $5 – $60 per month

They have minimum processing requirements, $5,000 minimum for national accounts and $50,000 for international accounts.

Bottom Line: Ellen’s Take

I recommend Durango Merchant Services for a credit repair merchant account due to their robust security features and versatile payment options.

Durango offers extensive security measures that protect against fraudulent activities, ensuring the safety of your transactions.

They cater to both US-based and international businesses, including those in the EU, making them an ideal choice for companies operating globally. They support multiple currencies, which is particularly advantageous for businesses with international clientele.

Their omnichannel payment solutions allow for seamless transactions across various platforms, enhancing the customer experience. The full-featured Durango Payment Gateway provides a comprehensive suite of tools for managing your payments, including reporting and analytics.

Their commitment to security and flexibility, along with their specialized focus on high-risk industries, makes Durango Merchant Services a top recommendation for credit repair merchant accounts.

Best Security Features
PayKings Logo
They Decline.


PayKings is a reputable merchant account provider specializing in high-risk industries, including credit repair companies. Recognizing the unique needs of these businesses, PayKings provides tailored payment processing solutions to help them operate efficiently online.

Their services are designed to accommodate the unique risk factors associated with credit repair services, making them a reliable choice for such companies.

With a focus on offering risk-free payments and affordable merchant services, PayKings has positioned itself as a trusted partner for credit repair businesses seeking secure and seamless transaction processing.

High-Risk Merchant Account Solutions, PayKings
PayKings credit repair merchant account

Top Benefits

  • Retail and eCommerce options, so you can collect payments where your customers are
  • Fraud and chargeback prevention 
  • ACH, eCheck, credit card, and mobile payments, so your customers have options on how to pay
  • 3-D Secure checkout for another layer of payment security for your customers
  • Integrates with multiple shopping carts, so you can seamlessly integrate with your website
  • Recurring billing payments, so your customers can set up auto-pay
  • A secure vault that tokenizes the credit card data for yet another layer of payment security
  • EMV readers so you can process cards with a chip

PayKings Pros

  • Fast approvals
  • Interchange-plus pricing
  • Tailored payment processing solutions
  • Comprehensive range of security features
  • Multiple payment options

PayKings Cons

  • May require a rolling security reserve
  • May require additional underwriting
  • Early termination fees
  • No disclosed pricing details


PayKings operates with a degree of confidentiality when it comes to their pricing, choosing not to publicly disclose their rates.

However, they employ an interchange-plus fee structure, typically seen as a more transparent and fair pricing model in the merchant services industry.

While the exact fees are not readily available, this approach ensures that customers only pay a standard rate plus a small markup on each transaction. Depending on your transaction volume and size, this could result in cost savings.

It is recommended to contact PayKings directly for a personalized quote based on your specific business needs.

Bottom Line: Ellen’s Take

I recommend PayKings for a credit repair merchant account because of their specialized focus on high-risk industries.

This expertise allows them to offer tailored payment processing solutions that cater specifically to the needs of credit repair businesses. They provide risk-free payment services, ensuring that transactions are processed securely and efficiently.

PayKings offers robust fraud prevention measures, providing an extra layer of protection to your business and customers’ sensitive information. They also have systems in place for chargeback prevention, which can mitigate financial losses and maintain your credibility with banks and credit card networks.

Their use of 3-D Secure and secure vault/tokenization further enhances transaction security, giving both you and your clients peace of mind.

Additionally, PayKings provides multiple ways to pay, including ACH, eCheck, credit card, mobile payments, and recurring billing, ensuring a seamless payment experience for your clients.

Despite not publicly disclosing their pricing, they utilize an interchange-plus fee structure, widely regarded as a transparent and equitable pricing model.

Their expertise in high-risk industries makes PayKings an ideal choice for credit repair companies.

What is a Credit Repair Merchant Account?

A credit repair merchant account is a type of business account that allows credit repair companies to accept and process electronic payment transactions. 

These accounts are often categorized as high-risk due to the nature of the credit repair industry. This categorization can influence the terms and conditions associated with the account, including fees and chargeback policies. 

Despite these potential challenges, a credit repair merchant account is essential for any credit repair business that wants to offer flexible payment options to their clients. 

With the right merchant account provider, these businesses can securely process payments, manage transactions efficiently, and ultimately grow their operations.


Choosing the right merchant account provider is crucial for the success of your credit repair business. The best provider will offer robust security, flexible payment options, and seamless integration with your existing systems.

Remember, choosing a merchant account provider should align with your business needs and goals.

By considering the 4 best credit repair merchant account providers I discussed in this blog post, you’re well on your way to making an informed decision. This can contribute positively to your business growth and customer satisfaction.


No, you cannot use Square for your credit repair business. Square typically does not service high-risk industries, and credit repair businesses are often categorized as such due to the nature of their operations.

If you use Square for a high-risk business, you are at risk of having your account frozen and your funds held.

Therefore, it is advisable to seek a merchant account provider that specializes in high-risk sectors, as they will have the necessary expertise and infrastructure to support your business needs.

Credit repair businesses are considered high-risk for several reasons.

  1. They work with clients who may not be financially stable. This demographic, even while they’re getting help, can increase the risk of chargebacks and late payments.
  2. Credit repair companies often deal with higher chargeback rates compared to traditional industries.
  3. The legality of some credit repair practices can sometimes be questioned, leading to potential regulatory scrutiny and risk.

These factors combined make credit repair a high-risk industry in the eyes of many financial service providers.

No, credit repair companies cannot use Stripe for payment processing. Stripe usually does not support businesses that are categorized as high-risk, a category that includes credit repair companies.

As such, credit repair businesses should seek out merchant account providers specializing in working with high-risk industries. These providers typically have the necessary infrastructure and understanding of the industry to provide appropriate support and services.

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