High-Risk Merchant Service for Credit Repair & Financial Consulting
In the financial services space, your clients trust you to guide them through some of their most sensitive and critical decisions. But ironically, while you're helping people improve their financial health, you may be struggling with a challenge of your own — finding a reliable way to accept payments.
At 100Services, we specialize in helping credit repair and financial consulting businesses access high-risk merchant accounts tailored to their industry. We do this completely free of charge, making it easier for you to focus on what you do best — supporting your clients and growing your business.
Why Is It So Hard to Find a Payment Processor for Credit Repair?
If you've been denied by a payment provider or hit with exorbitant fees, you're not alone. Credit repair and financial consulting businesses are regularly flagged as high-risk — not because they’re illegitimate, but because of how banks and processors perceive the industry.
Here’s what makes this sector a challenge for traditional processors:
- Regulatory scrutiny: The credit repair industry is heavily regulated at both state and federal levels, which can make processors hesitant.
- Recurring billing: Many services use subscription-based or installment billing, often associated with chargebacks.
- Customer disputes: Some clients expect instant results with credit repair, and when outcomes take time, chargebacks follow.
- Intangible services: Selling advice or digital services rather than physical products can make underwriting more complex.
As a result, many legitimate credit and financial consultants are denied access to payment processing — or worse, approved only to have their accounts frozen after the first dispute.
We Help You Navigate This Landscape — for Free
That’s where our team steps in. At 100Services, we’ve built strong partnerships with high-risk payment processors who are familiar with the financial consulting world. We know which providers are open to working with your business model, understand industry-specific risks, and offer transparent, fair pricing.
And the best part? Our service is 100% free.
Whether you’re launching a new credit repair firm or you’re tired of being overcharged by your current provider, we’ll match you with the right payment partner — at no cost to you.
Our 5-Step Matching Process
We’ve simplified the process of getting approved for a merchant account. Here’s how we help you from start to finish:
Step 1 – Share Your Business Details
We ask a few simple questions about your company, services, average transaction size, and sales model.
Step 2 – We Review Your Profile
Our team analyzes your business type, goals, and risk factors to determine which providers will likely approve you.
Step 3 – We Connect You
Once we identify the best fit, we introduce you to a vetted processor that specializes in high-risk financial services.
Step 4 – We Support the Application
Need help with documentation? We'll guide you through what’s required — including refund policies, contracts, compliance statements, and more.
Step 5 – You Get Approved and Start Processing
We help you get up and running quickly, with ongoing support as your business grows.
Why Our Service Is 100% Free — and How We Get Paid
We’re proud to offer this valuable service without charging you a single dollar.
Here’s how it works: once your account is successfully approved and activated, the payment processor pays us a small referral commission for connecting them with a qualified merchant. This referral model allows us to provide expert-level guidance and access to top-tier partners without adding to your expenses.
We don’t push any specific provider. Our only incentive is to help you find the right match so everyone wins — especially you.
What Makes Our Service Ideal for Credit Repair & Financial Consulting?
🔹 Industry-Specific Knowledge – We understand the compliance requirements, documentation standards, and challenges of the credit repair space.
🔹 Access to Real High-Risk Processors – We only work with vetted partners who actively support financial services, not general processors who might freeze your account later.
🔹 Support for Recurring Billing – Perfect for retainer models, monthly credit plans, and multi-session consulting packages.
🔹 Tools to Reduce Chargebacks – We connect you with processors offering fraud protection, alerts, and easy dispute resolution tools.
🔹 No Setup Fees or Surprises – Our partners offer clear, upfront pricing — no hidden fees or early termination clauses.
🔹 Fast Approval Times – With the right paperwork, most applications are approved in 3 to 5 business days.
What Happens If You Use the Wrong Payment Provider?
Unfortunately, many credit repair businesses learn this the hard way. Using a general payment processor like Stripe, PayPal, or Square may seem convenient — until they freeze your funds, shut down your account, or blacklist your business.
Here’s what you risk with an incompatible processor:
❌ Account Termination – If your industry is flagged after onboarding, your account could be canceled without warning.
❌ Delayed Payouts – Many general processors hold funds or impose rolling reserves on “suspicious” merchants.
❌ High Fees – Businesses miscategorized as high-risk after approval may face transaction fees as high as 6–10%.
❌ Reputational Damage – Multiple denials or shutdowns can affect your business’s ability to apply again elsewhere.
Our service helps you avoid all of that by starting with the right processor from the beginning.
Who Can Benefit from This Service?
We work with a wide variety of financial service businesses, including:
- Credit repair firms
- Financial coaching services
- Credit counseling agencies
- Personal finance consultants
- Debt reduction specialists
- Student loan advisory services
- Budgeting app companies and SaaS platforms
If your service involves financial advice, credit improvement, or money management — and you need a secure, stable way to accept payments — this service was built for you.
Let Us Help You Grow — Starting Today
You’re in the business of helping people take control of their financial future. Let us help you do the same for yours. With the right payment partner, your credit repair or consulting business can scale safely, reliably, and efficiently.
📞 Reach out to us today and let us match you with the perfect high-risk payment processor — with no fees, no stress, and no wasted time.
Frequently Asked Questions
Credit repair and financial services are labeled high-risk by payment processors due to a combination of factors. These include increased regulatory oversight from agencies like the CFPB and FTC, the use of recurring billing models, and a higher chance of customer disputes or chargebacks. The industry often deals with intangible services, meaning customers may have different expectations or timelines, leading to complaints. Even legitimate businesses with excellent service records can face rejection from mainstream providers. That's why it's critical to work with a processor that understands this industry — and that’s exactly where we help.
Yes, our service is 100% free of charge — no hidden costs, setup fees, or consulting bills. Here’s how it works: we gather information about your business, analyze your specific needs, and match you with the most suitable high-risk payment processor. These processors specialize in supporting credit repair and financial service providers. Once you’re approved and begin processing payments, we receive a small referral fee from the processor. This model lets us provide expert help at no cost to you, while ensuring you get access to the most reliable payment solutions on the market.
Absolutely. Many of our clients come to us after being denied by providers like PayPal, Stripe, or traditional banks. These companies typically do not support high-risk industries, and applying to the wrong provider can negatively impact your chances elsewhere. We work only with vetted payment processors who are open to credit repair and financial consulting businesses. Even if you’ve been shut down before, we know how to present your application in the right way — and to the right people. You don’t have to go it alone. With our help, your approval chances increase dramatically.
Our network of high-risk payment processors offers everything you need to run your business smoothly. This includes support for recurring billing, fast settlement times, chargeback mitigation tools, and PCI-compliant payment gateways. You’ll also have access to virtual terminals, invoicing tools, API integrations, and compatibility with major platforms like Shopify, WordPress, and CRM systems. These features are designed to support both new and growing businesses in the credit repair space. Our goal is to connect you with a processor that not only accepts your business model but also helps it thrive.
Once we’ve matched you with the right provider and all necessary documents are submitted, most businesses receive approval in 3 to 7 business days. Timelines can vary based on your application’s complexity and completeness. We help speed things up by assisting with the paperwork and making sure you submit everything the processor needs. Our team has deep experience with underwriting in the credit services space, so we know how to avoid delays. The sooner you reach out to us, the sooner you can start accepting secure payments without disruptions.
Yes, recurring billing is one of the most important features offered by our recommended processors. Many credit repair and financial consultants charge monthly service fees or offer ongoing support, which requires flexible and reliable billing. Our partners provide tools to manage subscriptions, automate invoicing, and send client reminders — all while remaining compliant with card network rules and chargeback reduction strategies. Whether you bill weekly, monthly, or on a custom schedule, we’ll help you find a processor that fully supports your business model.
To apply for a high-risk merchant account, you’ll typically need to provide a few standard business documents. These often include a government-issued ID, proof of business registration, a copy of your refund policy, service agreements, a sample client contract, and possibly a copy of your privacy policy or terms and conditions. For credit repair services, additional documentation such as licensing or compliance certifications may be requested depending on your state. We guide you through exactly what to submit, helping you avoid unnecessary delays and rejections.
Applying directly to a payment processor may seem faster, but it often leads to denials, higher fees, or accounts being closed unexpectedly. That’s because many processors don’t fully understand the credit repair industry or its risk profile. With our free service, you gain access to industry-specific expertise, insider knowledge of processor requirements, and a direct path to providers who support your type of business. We save you time, reduce frustration, and give you the best possible chance at long-term success — all without charging you anything. With us, you're not alone in this process.
