Payment Processing for Credit Repair Businesses
PayDiverse provides merchant account underwriting and payment processing infrastructure for licensed credit repair businesses operating in the United States.
We are a B2B payments brokerage. We do not offer consumer credit repair, debt relief, or credit-related services to individuals.
Why credit repair businesses need specialized processing
Credit repair is a Visa- and Mastercard-defined high-risk MCC. Standard acquirers decline these merchants because of elevated chargeback ratios and recurring-billing exposure. PayDiverse maintains direct relationships with multiple sponsor banks that underwrite this MCC.
What we provide to merchants
- Merchant account placement across a network of high-risk sponsor banks
- Multi-bank processing architecture to distribute volume and reduce single-MID exposure
- Real-time chargeback alerts (Verifi CDRN, Ethoca)
- PCI-compliant payment gateway integration
- ACH and card-not-present processing
- Dedicated underwriting support
Underwriting requirements
Applicants must be a registered US business, hold all applicable state licensing for credit services organizations (CSO), and provide standard underwriting documentation:
- Voided business check
- Three months of business bank statements
- Recent processing statements (if applicable)
- Proof of compliance with the Credit Repair Organizations Act (CROA)
- Articles of incorporation and EIN
Apply for a merchant account
Applications are reviewed within 2–3 business days. For businesses only — we do not service
consumer applications.