Compliant payments for a highly-regulated category.
Lenders, debt-relief services, credit repair, and financial services — with regulatory-aware underwriting and fraud prevention.
Financial services is a regulated category that most processors avoid
Lenders, debt-relief providers, credit-repair services, and financial advisors face elevated regulatory scrutiny — FTC, CFPB, state AGs — and generic processors often refuse the category outright to avoid the compliance overhead. We place these accounts with partner banks that understand financial services, pair them with proper compliance workflows, and keep the payment stack transparent enough to survive a regulatory review.
The right program for this category
Interchange-Plus with high-risk underwriting
Our first-choice program for this category.
Tiered pricing where compliance constraints require it
Honest pass-through alternative — no surprise markups.
Lenders, debt-relief services, and financial services providers face heightened regulatory scrutiny and chargeback risk. Interchange-plus keeps pricing transparent, and we pair the account with fraud controls and compliance support that generic processors don't offer.
Category-specific safeguards
- Correct MCC placement for lending and financial services
- Advanced fraud detection and identity verification
- Compliance support for disclosure and consent records
- Chargeback representment tailored to financial services disputes
Common questions
We're a debt-relief company. Can you actually underwrite us?
Yes, with proper documentation. Debt-relief services require clear disclosure practices and compliant contract language, both of which are part of the underwriting review.
What about credit repair?
Credit repair is supportable with proper CROA-compliant contracts and documented fee practices. Your specialist will walk through the documentation requirements.
Do you support ACH alongside cards?
Yes. Most financial services accounts run ACH for larger transactions and cards for smaller ones. We enable both on a single merchant relationship.
Ready for a real quote?
Send your last statement. A specialist returns the math and the program that fits your business — usually the same day.