Credit repair agencies

Payment processing built for credit repair agencies.

Credit repair has been on the restricted list of every major processor for a decade. Stripe, Square, PayPal — blanket-decline or 30-day shutdown once they identify the MCC. Your agency is CROA-compliant, your work is legitimate, and still you cycle through 3-4 processors a year. multiflow routes credit repair through specialty acquirers that underwrite the vertical first-class, with CROA-aware billing, monthly recurring, and per-client descriptors that keep chargebacks scoped.

Rate band for this vertical
6.5 – 8.0% per transaction
+ setup fee · CROA documentation required · interchange passthrough
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$15k – $500k Monthly agency revenue we fit
CROA-aware Post-service billing flow built in
< 0.9% Target chargeback ratio maintained

What's costing you money right now

Three pain points
we actually solve.

01 · Pain point

90-day processor rotation is the norm

Generalist processors identify the MCC and shut you down within 90 days. Specialty credit-repair acquirers underwrite the vertical knowing what it is and approve clean operators long-term. multiflow routes through them from day one.

02 · Pain point

CROA requires specific billing timing

The Credit Repair Organizations Act prohibits upfront billing for services not yet performed. Your billing has to match service delivery. multiflow supports CROA-aware billing flows — monthly billing after service month, not upfront — preserving federal compliance.

03 · Pain point

Chargebacks from unhappy clients end your merchant account

Credit repair carries higher dispute rates than average. Above 1% chargeback ratio and you are on VAMP. Parent-level pre-dispute resolution (Ethoca / Verifi RDR) + documentation-first representment keeps ratios under the threshold.

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12 questions · no hard pull · underwriter reply in 24-48 hours

Fifth processor in two years shut us down at 74 days. Moved to multiflow, hit month 11 on the same acquirer with zero issues. Per-client descriptors cut our chargebacks in half because statements match the contract the client signed.

Founder
Credit repair agencies 6.5 – 8.0% per transaction 340-client credit repair agency · $180k/mo

Partners + acquirers we route through

Credit-repair specialty acquirer Plaid ACH Apple Pay Google Pay Ethoca pre-dispute Verifi RDR

Before you apply

Answers
to the five things you're wondering.

01 Is credit repair actually approvable?
Yes — through specialty acquirers that underwrite the vertical. We do not route credit repair through Stripe, Square, or generalist processors. The acquirers we work with require CROA compliance documentation, cease-and-desist letter template review, and proven track record (or escrow-backed intake for new operators).
02 How does CROA-aware billing work?
CROA prohibits charging for services before they are delivered. multiflow supports monthly billing that runs at the end of each service month, not the start. Enrollment fees are capped at CROA-allowed amounts. First-month billing waited until first round of disputes filed.
03 What about ACH for large enrollment fees?
ACH (0.8% capped) is often the right rail for enrollment fees above $500 where card interchange is painful. Monthly maintenance typically stays on card for convenience + recovery flows.
04 Can I bill debt settlement + credit repair together?
Debt settlement is a separate MCC and a separate acquirer conversation. Some acquirers approve both; most separate them. We walk through your service-line map during intake.
05 What rate should I expect?
Credit repair operators land between 6.5 and 8.0% per transaction + setup fee. Reserves typically 10-15% rolling for the first 6 months. Clean 12-month operators negotiate down to 6.5%.

Stop leaking money
to a processor that wasn't built for you.

Apply once. Route every brand through one parent ledger. Underwriter-reviewed inside 48 hours. No hard pull, no obligation.

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