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.
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?
Disputes tied to the 3-day right-to-cancel window.
Get my credit repair business reviewed
Apply online in about two minutes. No sales call, no obligation.
See every industry PayWavez supports on the Industries directory, including our High-Risk Specialists pages.