Dedicated credit repair merchant accounts with real underwriting, stable processing, and recurring billing built for monthly repair plans. Fast approval on clean files, 1-4 business days. 100,000+ businesses, $12B+ processed, 13+ years.
13+ years underwriting credit repair operators
Dedicated account manager on every account
About 7 minutes · No obligation · Real underwriter quote
9:30
L
Lewis Adkins
Sale at 06:16 PM
$1,345.00
K
Kelly Sims
Refund at 08:23 PM
$12.00
L
Lucy Horton
Sale at 11:10 PM
$5,737.00
L
Lewis Adkins
Sale at 03:34 PM
$1,345.00
Dashboard
Orders
Easy Charge
Customers
Other
Credit repair · On
Recurring billing · Active
Account manager · Live
Trusted by credit repair operators and 100,000+ businesses
A selection of 100,000+ businesses we support all with dedicated merchant accounts, including high-risk categories like credit repair and CBD.
100K+ Businesses
$12B+ Processed
13+ Years
500+ Integrations
Built for credit repair credit card processing, done right
Credit repair payment processing on a dedicated merchant account, with real underwriting, recurring-billing tooling, and a human on your file.
Get StartedBuilt for credit repair
Real underwriting for the vertical, not a generic aggregator that shuts you off later.
Recurring billing, done right
Monthly plans, rebills, failed-card retries, and dunning for credit repair subscriptions.
Stable, dedicated MIDs
Your own merchant account, not a shared pool that gets frozen when a peer mis-steps.
Integrations that matter
500+ integrations including popular credit repair CRMs, gateways, and checkout tools.
Licensed and compliant credit repair operators:
CROA and state-licensed credit repair businesses approved. We will flag state restrictions before underwriting.
Two ways to accept card payments. A payment facilitator puts you on a shared umbrella account. A dedicated merchant account is underwritten for your business specifically.
| Feature | Easy Pay Direct dedicated account | Payment Facilitator / PayFac     |
|---|---|---|
| Underwriting | Real underwriting for credit repair | Boilerplate TOS that prohibits the vertical |
| Account stability | Dedicated MID, stable long-term | Shared pool, frozen after one flag |
| Recurring billing | Monthly plans, retries, vaulting | Basic card charge, limited retry logic |
| Integrations | 500+ including credit repair CRMs | Generic checkout only |
| Support | Dedicated account manager | Support ticket queue |
For most credit repair operators, the cheapest processor is not the one with the lowest headline rate. It is the one that will actually approve the business, keep the account open through normal volume, and support recurring monthly billing without dropping the MID.
We structure approvals around your business model to ensure long-term payment stability.
Apply
Submit your business details.
Verify
Upload supporting documents
Underwriting
Our bank relationships, your advantage
Go Live
Start processing with confidence Plus continued optimization and support
Simple, Transparent Pricing You Can Trust
Clear pricing and honest terms, so you always know what to expect.
Online Card Rate
2.69% + $0.36
per transaction
Setup Fee
$99
waived if documents are submitted within 24 hours
Monthly Fee
Typically $25
varies by business type and volume
Custom interchange-plus pricing is available for higher-volume merchants. Every account includes chargeback tools, decline recovery, and access to 30+ banking partners.
No obligation, fast approval, real support
Get More Transactions Approved
Payments Success Rate
0
%
+24%
Success
2,981
Failure
171
Top 5 Failure Reasons
Insufficient funds
Issuer declined
3D secure failed
Timeout
Card expired
Operators like Frank Kern, Dean Graziosi, Amy Porterfield, Perry Belcher, Ryan Deiss, Hal Elrod, and Roland Frasier have processed with Easy Pay Direct, among 100,000+ businesses.
TK
Timothy Krulia
3 reviews
"We've worked with Easy Pay Direct for years. They have helped secure merchant accounts that pair well with our client's needs, and have excellent customer service supporting these accounts. I highly recommend Easy Pay Direct as a trusted merchant provider."
JM
Jim Morales
3 reviews
"EPD are rockstars at E-Commerce merchant processing service. We've been very happy since switching to them and they're always reliable, fast to respond and act with an ownership mindset. Valued partners we hope to grow with in the future!!!"
J
Jesse
Trustpilot review
"All the right stuff. Great company. Flawless communication. They integrated with my shopping cart and did all the work for me. I can text or call them anytime and get a response almost immediately. Ease, competence, and the results I sought. I highly recommend!"
Answers to the most common questions about credit repair merchant accounts, payment processing, and recurring billing.
What is a credit repair merchant account?
Why do I need a specialized credit repair merchant account provider?
Do you support credit repair payment processing for monthly plans?
How fast is approval for a credit repair merchant account?
Can you handle high risk merchant account credit repair volume?
Do you integrate with credit repair CRMs and cloud tools?
What does credit repair merchant account pricing look like?
Do you support credit monitoring merchant account needs?
What are credit repair merchant services beyond processing?
Do you work with bad credit merchant accounts for credit repair owners?
