greenlit

High-risk merchant account

Credit repair merchant accounts

Credit repair is legal and in demand, but "financial services" plus recurring monthly fees is a combination most banks quietly avoid. One dispute uptick and your processor is gone.

  • Financial-services scrutiny and CROA rules tighten underwriting.
  • Recurring monthly billing raises dispute risk.
  • Many banks avoid the category entirely.
✓ 24-hour approvals✓ Keep your bank✓ No shutdowns

Get approved for Credit repair

Tell us about your business — pre-qualify in minutes.

Secure · No impact to your credit

50+ industries approved
24–72 hour approvals
No sudden shutdowns
Keep your gateway
Credit repair

The problem

Why Credit repair keeps getting shut off

You need underwriting that understands CROA-compliant credit repair, recurring billing that won’t get flagged, and an acquirer that approved the category deliberately instead of tolerating it until it doesn’t.

Greenlit places you with a bank that approves Credit repair on purpose — and keeps you there.

What you get

Built to keep you processing

24-hour approvals

Bank-driven underwriting, not instant-freeze aggregators.

Chargeback defense

Visa & Mastercard alerts with automated dispute responses.

Multi-MID balancing

Spread volume across banks so caps never freeze you.

Keep your gateway

NMI, Authorize.net and 200+ integrations supported.

24–72htypical approval time
2.5–6.5%typical processing rate
5–20%rolling reserve range
~1%dispute ratio threshold

Typical industry ranges. Your exact terms depend on the acquiring bank and your business profile.

Answers

Credit repair payment questions

Can I process recurring credit-repair fees?+

Yes — recurring billing with compliant descriptors and dispute tooling is included.

Is my business too high-risk to approve?+

We specialize in exactly these declines and match you to banks that accept credit-repair models.