The 6 Best Credit Repair Merchant Account Providers in 2025

If you run a credit repair firm, you already know that getting approved for payment processing isn’t as simple as signing up and turning payments on. Between evolving card network rules (e.g., Visa and Mastercard), aggressive enforcement by regulators, and rising consumer expectations, even legitimate businesses can face things like:

• Unexpected declines
• Account holds
• Processing limits

That’s why choosing the right payment partner matters more than most merchants realize. The right provider can mean steady growth and predictable cash flow. The wrong one can lead to frozen funds and constant disruptions.

It’s also important to note that not all processors are built the same. Some are designed primarily for low-risk retail and SaaS businesses. Others are purpose-built to support regulated, high-risk services like credit repair, where strict compliance, recurring billing, and chargeback management aren’t optional extras, but core requirements.

Below, our experts break down the best credit repair merchant account providers in 2025, with honest pros and cons for each, so you can make an informed decision that supports your goals for your business.

1. Adaptiv Payments: Best for Long-Term Stability and Credit Repair Businesses Seeking to Grow

Adaptiv Payments Company Logo

Credit: Adaptiv Payments

Adaptiv Payments is built specifically to support high-risk and regulated sectors, including credit repair. For over 10 years, Adaptiv has been a trusted leader in the payment processing industry, providing specialized merchant accounts to businesses that often struggle to get approved by traditional banks and processors.

Rather than forcing credit repair firms into a “low-risk” framework, Adaptiv underwrites these businesses correctly from day one. We bring deep experience with subscription-based billing, CROA compliance support, and long customer lifecycles — all critical for credit repair firms looking to grow without constant anxiety about their funds being delayed or frozen.

Key Features:

• Purpose-built for high-risk businesses
• Strong experience with recurring billing models
• Multiple acquiring bank relationships for flexibility
• Chargeback monitoring and fraud mitigation support
• Dedicated account management
• Soft volume caps designed to help merchants scale responsibly

Main Drawbacks:

• Not designed for ultra-low-volume transactions
• Requires a more detailed application and underwriting review than low-risk processors

For credit repair businesses that value lasting stability over shortcuts, Adaptiv stands out as a true payment partner. Learn more about our approach to credit repair processing or apply for a high-risk merchant account today.

2. Soar Payments: Best for Established High-Risk Subscription Businesses

Soar Payments Company Logo

Credit: Soar Payments

Soar Payments is a well-known name in the high-risk space and has supported all types of credit repair businesses ever since its 2015 launch. The company works closely with merchants that operate in tightly regulated environments and require instant recurring billing support (think CBD and sports betting sectors). Soar’s experience in placing “hard-to-approve” accounts makes them a great option for credit repair firms that mainstream processors have continually flagged or denied.

Key Features:

• Subscription billing support
• High-risk friendly underwriting process
• Experience with regulated industries
• Easy integration with a variety of CRM and software platforms

Main Drawbacks:

• Underwriters will check the business owner’s credit score (must be above 600 for approval)
• Soar Payments will deny an application if your company offers free trials (greater risk of high chargeback rates)
• Each individual merchant account approval may require unique terms and conditions

Soar Payments is often an ideal fit for businesses that already have clear processes in place and know what high-risk underwriting entails.

3. PaymentCloud: Best for Startups and Smaller Credit Repair Firms

PaymentCloud Company Logo

Credit: PaymentCloud

PaymentCloud not only specializes in high-risk merchant accounts but also embraces them. Offering fast approvals and dedicated support through the onboarding and underwriting processes, this provider helps smaller or newer credit repair firms get set up quickly.

With fine-tuned solutions ranging from fraud protection to chargeback monitoring, PaymentCloud regularly works with businesses that traditional processors turn away, including those with subscription-based and recurring billing models.

Key Features:

• Experience with credit repair accounts
• Willingness to work with startups
• Fast application process
• No minimum credit score required for approval
• No hidden fees or setup costs

Main Drawbacks:

• Rolling reserves are very common
• Pricing varies significantly based on the merchant’s risk profile
• Complex cases may involve slower approval timelines

PaymentCloud is often a good fit for credit repair startups that need a high-risk approval path, especially if they’ve already been declined by mainstream processors.

4. Durango Merchant Services: Best for Struggling or Blacklisted Merchants

Durango Company Logo

Credit: Durango

Recognized for its outstanding customer service, Durango Merchant Services has spent decades helping high-risk merchant accounts secure reliable payment processing solutions. They partner with a broad network of sponsor banks and offer services designed for complex risk profiles, such as recurring billing, eCommerce gateways, ACH/eCheck, fraud tools, and multi-currency support.

Durango employs advanced security features and chargeback prevention tools to help high-risk merchants process payments with confidence. For credit repair businesses that value predictability, personalized account management, and a processor with deep regulatory experience, Durango remains a trusted option in the high-risk space.

Key Features:

• Longstanding reputation in high-risk processing
• Familiarity with regulated industries
• Stable sponsor bank relationships
• International merchant accounts available
• Recurring billing capabilities
• Offers customer-specific consulting to help obtain approval

Main Drawbacks:

• Generally require long-term contracts
• High-risk merchants may incur higher fees
• Pricing varies and isn’t disclosed upfront

Durango is often a strong option for credit repair businesses that have been declined elsewhere or face added scrutiny, including merchants working to recover from past account issues or MATCH-related challenges.

5. Corepay: Best for Credit Repair Firms Who Need Fast Approval and Payment Flexibility

CorePay Company Logo

Credit: CorePay

Corepay works with credit repair firms that need a high-risk merchant account built to handle recurring billing and heightened scrutiny. Their credit-repair-specific offerings are designed for businesses that have been declined by mainstream processors or need faster approval without compromising on compliance.

The company emphasizes speed and adaptability, offering approval timelines that are often quicker than traditional banks, along with tools to help manage chargebacks and fraud. Corepay also supports higher-volume processing and multi-currency capabilities, which can be helpful for credit repair firms with growing or geographically diverse client bases.

Key Features:

• Most merchants get approved in 24–72 hours
• Great for high-volume and multi-currency transactions
• Deep understanding of the credit repair sector
• Advanced security tools and 24/7 monitoring
• No application or setup fees
• Specializes in Mail Order/Telephone Order (MOTO) and recurring billing accounts

Main Drawbacks:

• Limited pricing disclosures
• Customer feedback indicates that international applications may take longer to get up and running
• Multi-year contract expectations are standard

For credit repair companies looking for a flexible approval path and a processor experienced in placing hard-to-approve accounts, Corepay remains a reliable option for a diverse range of high-risk merchants.

6. Host Merchant Services: Best for Credit Repair Companies Wanting Structure and Transparency

Host Merchant Services Company Logo

Credit: Host Merchant Services

Host Merchant Services is appreciated for its transparent costs and hands-on customer support, even when working with higher-risk industries like credit repair. Rather than positioning itself as a last-resort processor, Host Merchant Services focuses on building accounts with clear billing structures, documented workflows, and predictable processing terms. This makes it a stronger fit for credit repair businesses that already operate with discipline and want fewer surprises once their account is live.

Key Features:

• Transparent pricing models and low-cost interchange-plus rates
• Strong customer service reputation
• Works with a large variety of high-risk industries
• Excellent chargeback protection and anti-fraud features

Main Drawbacks:

• Credit repair approvals can be more selective than other processors
• May not be suitable for extremely high-risk verticals
• $10,000 monthly processing cap (better for low-volume businesses)

For businesses with a consistent track record that value stability and responsive support, Host Merchant Services remains a trusted and experienced payment partner.

Common Questions Credit Repair Businesses Ask Before Applying

Final Thoughts: Choosing the Right Credit Repair Merchant Account for Your Business

Payment processing for credit repair businesses comes with unique challenges that can’t be solved by generic solutions. The right provider understands the realities of risk and growth, and knows how to balance compliance with the speed and flexibility your business needs to scale.

Teaser rates and instant approvals can be tempting, but they rarely tell the full story. What matters more is long-term stability, clear communication, and a partner that adapts as rules change, volumes increase, and your firm evolves.

Providers like Adaptiv Payments specialize in exactly this kind of complexity, supporting regulated, subscription-based businesses with dependable infrastructure and hands-on guidance. With over 10,000 high-risk merchants successfully approved, Adaptiv brings real-world experience to industries where mistakes are costly.

If your goal is fewer surprises, more control over your daily billing, and a payment setup you don’t have to constantly worry about, choosing the right partner from the start can make all the difference.

Never worry about payments again with Adaptiv. Contact our sales team to get started.