Why this is classified high risk
The Credit Repair Organizations Act (CROA) bans up-front fees and requires specific contract language. Aggregators avoid the entire category because of FTC and state-AG enforcement history. CROs that try to process on Stripe or PayPal are typically shut down inside 60 days.
Real placement requires bonded / registered status in every state of operation, CROA-compliant contracts, and a billing model that charges only after services are rendered.
Features included
Token vault for monthly $79–$199 service fees with retry logic and account updater.
ACH for setup billing and pause/resume; card for new-customer acquisition.
Affiliate models with master MID + sub-IDs for downline tracking.
We screen your contract and disclosures against CROA before the acquirer touches the file.
Underwriting documents you'll need
- State CRO registration in every state of operation
- Surety bond documentation
- CROA-compliant service contract
- Merchant application + voided check
- Last 3 months bank + processing statements
- Website with cancellation and refund disclosures
Pricing factors
Credit repair pricing ranges 3.95% – 5.45% + $0.25 for card with 5–10% rolling reserve. ACH pricing typically $0.50 – $1.00 per item.
Established multi-year CROs with low chargebacks and full state coverage price near the low end and can step down reserve after 12 months.