Trusted by the largest names in credit repair

Credit Saint Nationwide Credit Restoration Active Client
The Credit Pros AI-Powered Credit Repair Active Client
98%
merchant retention rate
<48h
account approval turnaround
0
downtime during migration
$0
cost for your statement review
Industry Reality

Standard Processors Reject Credit Repair — We Don't

Most acquiring banks flag credit repair as high-risk because of advance-fee regulations, recurring billing exposure, and elevated chargeback rates. The result: declined applications, terminated accounts, and frozen funds.

PayPros Worldwide works exclusively with credit-repair-friendly acquirers and wraps every account with the safeguards that keep you in good standing.

  • Chargeback alert integrations (Ethoca & Verifi) included
  • Regulation E–compliant recurring billing flows
  • Advance-fee structuring guidance at setup
  • Rolling reserve negotiation on your behalf
  • Dedicated high-risk underwriter relationship
  • Account stability monitoring — we flag issues before they escalate

Account Health at a Glance

High-risk approval Covered
Chargeback alerts Included
Recurring / ACH billing Supported
Advance-fee structuring Guided
Rolling reserve Negotiated
Account termination risk Mitigated
Typical setup at big banks Declined
What We Provide

Everything Your Credit Repair Business Needs to Process

Purpose-built for how credit repair companies actually bill — monthly subscriptions, initial fees, dispute services, and add-ons.

Card & ACH Processing

Accept Visa, Mastercard, Discover, and Amex alongside ACH debit — the two most common ways credit repair clients pay monthly. Decline recovery and retry logic built in.

Recurring Billing Engine

Set monthly subscription schedules, initial setup fees, and add-on services. Automatic dunning management keeps revenue flowing when cards decline.

Chargeback Shield

Real-time alerts from Ethoca and Verifi surface disputes before they become formal chargebacks, giving you a window to refund and protect your ratio.

Fast Approvals

Most credit repair applications are approved in under 48 hours. We prepare your file before submission so underwriters see a clean, complete package.

Transparent Pricing

Flat-rate or interchange-plus — you choose what fits your model. No hidden fees, no PCI junk charges, no mid-contract rate creep. We show you every line before you sign.

Dedicated Specialist

You get a named account manager who knows credit repair compliance — not a call-center queue. One number, one person, every time.

Getting Started

From Application to Live in 4 Steps

We handle the paperwork and migration. You stay focused on clients.

1

Free Statement Review

Send us your current processing statement. We decode every fee and show you your actual effective rate — usually within 24 hours.

2

Custom Quote

We match you with the right acquiring bank for credit repair and build a rate structure around your monthly volume and average ticket.

3

Underwriting & Approval

We prepare your application package and liaise directly with the underwriter. Most approvals come back in 24–48 hours.

4

Zero-Downtime Go-Live

We migrate your gateway, recurring billing schedules, and payment pages without interrupting a single client charge.

Start Your Free Review →
Client Voices

What Credit Repair Companies Say

Our previous processor shut us down with no warning. PayPros had us back up and running in under 48 hours — and our chargeback ratio has been clean ever since.
Operations Director Credit Saint
We were on a rolling reserve with our old processor and bleeding cash. PayPros negotiated us down to a fraction of that within three months. Real money back in operations.
VP of Finance The Credit Pros
The chargeback alert service alone paid for switching. We resolve disputes before they ever hit the ratio. I wish we'd made this move two years ago.
CEO Mid-size credit repair firm
Questions

Common Questions from Credit Repair Companies

Why do most processors decline credit repair merchants?
Banks flag credit repair as high-risk primarily due to advance-fee regulations under the Credit Repair Organizations Act (CROA), elevated chargeback exposure from dissatisfied clients, and the recurring billing structures that many compliance teams misread as subscription fraud risk. PayPros partners exclusively with acquirers that have underwritten credit repair verticals for years and understand the legitimate business model.
How does the chargeback alert service work?
We integrate both Ethoca (Mastercard) and Verifi (Visa) alert networks into your account. When a cardholder disputes a charge with their bank, we receive an alert before the chargeback is formally filed — typically within hours. You can then issue a refund directly, stopping the dispute and keeping the transaction off your chargeback record.
Can we process recurring monthly subscriptions and one-time fees on the same account?
Yes. Our gateway handles both billing types on a single MID. You can configure subscription plans, initial setup fees, add-on service charges, and one-time dispute packages independently, with separate descriptors if needed to improve customer recognition and reduce friendly fraud.
What's a rolling reserve and can we reduce ours?
A rolling reserve is a percentage of your processing volume held by the acquirer as a risk buffer, typically released after 180 days. High-risk merchants are often put on 5–10% reserves. PayPros negotiates reserves directly with the acquiring bank on your behalf — many of our credit repair clients have had reserves reduced or waived entirely after demonstrating consistent chargeback ratios below 1%.
How long does it take to get approved?
Most credit repair applications are approved in 24–48 hours when submitted with a complete package. PayPros prepares your underwriting file — including business documentation, processing history, and a chargeback management plan — before submission so the underwriter has everything they need upfront.
What does switching processors cost?
Nothing out of pocket. The statement review is free. Gateway migration, terminal setup, and recurring billing reconfiguration are all handled by our team at no charge. Your current processor may have an early termination fee (ETF) — we'll review your contract and, in many cases, help you time the switch to minimize or avoid it.
Get Started

Ready to Stop Worrying About Your Merchant Account?

Send us your current statement. We'll identify every fee, compare it against what credit repair companies should be paying, and deliver a full savings report — free, no obligation.

  • Free statement analysis in 48 hours
  • High-risk approval for credit repair vertical
  • Chargeback shield included from day one
  • Named account manager — not a call center
  • Zero-downtime migration handled for you

Get Your Free Review

No spam. No obligation. We respond within one business day.