Industries · Credit Repair

Recurring service fees without the regulatory red flag.

Recurring monthly fees under Credit Repair Organizations Act (CROA) compliance, with defined cancellation rights. PayWavez underwrites credit repair businesses individually, so your account is built around how your business actually operates — not a generic template.

Get my credit repair business reviewed — 2 Minute Approval

No sales call required to apply. Free terminal placement for qualifying merchants.

How it works for credit repair

Built around how credit repair businesses actually get paid

How you get paid

Your payment pattern

Recurring monthly fees under Credit Repair Organizations Act (CROA) compliance, with defined cancellation rights.

What we look for to get you approved

Key approval factors

A CROA-compliant client agreement, your refund policy, and cancellation process.

Application speed

About two minutes to apply

2-Minute Instant Boarding: Move through identity verification and start accepting payments in as little as two minutes.

How self-signup works

From application to accepting payments

Application

Tell us about your credit repair business — structure, estimated volume, and contact info. Takes about two minutes.

Underwriting Review

We review your business against the specific factors that matter for credit repair — not a generic checklist.

Approval & Setup

Once approved, your dedicated Merchant ID is issued and your terminal or gateway is configured and ready to take payments.

Have this ready

Documents to have on hand before you apply

Having these ready up front is the single biggest thing you can do to speed up underwriting review.

Business license
CROA-compliant client agreement
Refund policy

Locally owned and based in Gulf Shores, Alabama — PayWavez works one-on-one with credit repair merchants instead of routing you through a call center.

Common questions

Frequently asked questions

How fast is approval?

2-Minute Instant Boarding: Move through identity verification and start accepting payments in as little as two minutes.

Disputes tied to the 3-day right-to-cancel window.

The CROA right-to-cancel window is a known feature of this industry, not a workaround for it — a clean, clearly disclosed cancellation process handled inside that window is what keeps a routine cancellation from turning into a card dispute.

Can I charge a client before the work is done?

Federal law governing credit repair organizations restricts collecting payment before the promised services have been fully performed, and several states add their own rules on top. Your billing model has to be built around that, and underwriting will look at how you bill, not just what you charge.

What does my client contract need to include?

The federal statute sets out required disclosures, a written contract, and a cancellation right for the consumer. Have your current contract ready for review, because a contract that does not meet the requirements is a common reason a file is declined.

Why is this category considered high risk?

Because outcomes are not guaranteed and consumers frequently dispute charges when results do not match their expectations. That dispute exposure — not any judgment about your business — is what drives the underwriting and the pricing.

How do I reduce disputes?

Set expectations in writing at signup about what you will and will not do, keep documented records of the work performed for each client, use a recognizable billing descriptor, and honor cancellations promptly. Documentation is what a dispute response is built from.

Can I make claims about score improvements in my marketing?

Claims about specific outcomes create both regulatory exposure and dispute exposure, and they will be reviewed as part of underwriting. Describe the service you actually perform rather than the result you hope for.

What documentation should I have ready?

Your client contract and disclosures, your refund and cancellation policy, your marketing materials and website, business formation documents and EIN, any state registrations or bonds your state requires, and recent processing statements.

Get my credit repair business reviewed

Apply online in about two minutes. No sales call, no obligation.

Apply Now

See every industry PayWavez supports on the Industries directory, including our High-Risk Specialists pages.