Credit repair and debt-relief businesses get declined over regulation and dispute risk. Structure underwrites credit repair, debt settlement and financial-service merchants with the recurring-billing and chargeback tooling the model needs.
Credit repair sits at the intersection of two things banks avoid: heavy regulation and recurring billing. The category is governed by the Credit Repair Organizations Act and a patchwork of state rules, and it bills clients monthly, which is exactly the profile that draws chargebacks and account closures.
Structure Payments underwrites credit repair, debt settlement and financial-service merchants with that reality built in — recurring-billing gateways, dispute tooling, and banking relationships that understand the model.
The financial-service categories mainstream banks decline.
The category is declined on regulation and billing model, not on how you run it.
The Credit Repair Organizations Act and state rules govern how these services are sold and billed, and most processors exclude the category rather than support the compliance.
Monthly billing generates more disputes than one-off sales, and banks limit or close accounts on the pattern alone.
Clients who do not see fast results dispute charges, so the vertical needs dispute tooling instead of a processor that closes the account.
Some acquirers exclude credit repair by blanket policy, which is why a compliant, well-run business still gets declined.
The service takes time to show results, and that gap between payment and outcome is what mainstream underwriting will not carry.
No drawn-out underwriting theatre. A real person, a real timeline, a real approval.
One short form and a quick document upload. Your dedicated rep reviews it the same day — no call-center runaround.
We match you to the right banking relationship and gateway for your industry, chargeback history and volume.
Credentials, gateway and cart integration go live. You're accepting cards — usually within about 48 hours of applying.
Yes. Credit repair and debt-relief businesses can be approved through a high-risk processor that supports recurring billing and understands the regulation. Structure Payments approves them, usually within about 48 hours.
Because it combines heavy regulation under the Credit Repair Organizations Act with recurring billing and elevated chargebacks. That mix pushes it outside mainstream underwriting, though a specialist processor supports it.
Yes. Recurring monthly billing is supported as standard, with the dispute tooling that keeps the chargeback ratio inside the thresholds that keep an account open.
We do everything possible to get you approved, and most merchants are processing within about 48 hours. No obligation to see your real rate.