Payment processing for
Credit Repair Companies

Flux works with high-risk and specialty merchants like credit repair companies, with cards, ACH, and stablecoins through one integration and a real team that reviews the account rather than an automated no.

Why credit repair companies choose Flux

How credit repair companies get paid

Credit Repair Companies often need more than one rail, cards for reach, ACH for larger amounts, and stablecoins where it fits, and Flux runs all three through one integration.

A typical Flux setup for credit repair companies

Credit repair billing runs backwards from most services: under CROA you charge after work is performed, not before, so the standard setup is monthly billing in arrears. A recurring card or ACH charge fires after each month's disputes go out, and the first charge waits until the first round of work is done. The REST API lets you trigger each charge from your CRM when the work is actually logged, not on a blind calendar date.

Firms running pay-per-deletion models invoice per result instead: an itemized invoice after each confirmed removal, payable by card or ACH. Either model reconciles into QuickBooks per client so you can show exactly what was billed against what work. Many operators prefer ACH for the monthly charge because bank debits do not expire the way cards do, which keeps a months-long engagement from stalling on a reissued card.

What credit repair companies should watch

The dispute you will see most is not fraud, it is disappointment: a client whose score did not move the way they hoped charges back three months of fees at once. Your defense is the work log. Keep dated records of every bureau dispute sent, every response received, and every client update, and bill in arrears so each charge maps to work already documented. A charge tied to a dated deliverable is defensible. A charge tied to a promise is not.

CROA also shapes cancellations: clients can cancel within the statutory window and courts read advance-fee violations harshly, so never let billing get ahead of delivered work. Make cancellation as easy as signup, because a client who cancels cleanly stops paying, while a client who cannot find the cancel button calls their bank instead. Clear statement descriptors with your company name cut down the disputes that are really just confusion.

Simple, transparent pricing

Flux charges a flat 2.9% plus 30 cents per transaction, with volume discounts for higher-volume credit repair companies and the option to pass the fee to the customer at checkout where local surcharging rules allow. No setup fees and no contracts. Accounts processing under $100,000 a year in card volume may be subject to a $20 monthly account fee.