High-Risk ACH Specialists

ACH Payment Processing for Credit Repair Companies

Tired of getting dropped by processors? GoACH has provided stable, compliant ACH processing for high-risk businesses since 2010. We know your industry — and we won’t leave you stranded.

15+

Years in high-risk payments

3–5 Days

Approval turnaround

ACH Only

It’s all we do

Since 2010

Trusted industry track record

High-Risk

Approved underwriting

Recurring

Billing ready out of the box

Real Support

Dedicated account manager

The problem

Why credit repair companies keep getting dropped

Credit repair businesses are flagged by traditional processors for a few reasons: the FTC Telemarketing Sales Rule restricts advance fees, clients sometimes dispute charges they forgot about, and the industry has a reputation for chargebacks.

None of that means you can’t get stable processing — it means you need a processor who has already built compliance frameworks around your industry. ACH is the best fit for most credit repair companies. It’s lower cost than card processing, integrates cleanly with recurring billing, and produces fewer disputes when set up correctly.

What you get

Everything your credit repair business needs

Recurring ACH billing

Automate monthly client fees with scheduled ACH pulls. No manual processing, no missed payments.

High-risk approved accounts

We work with underwriters who understand credit repair. No surprise account terminations.

Chargeback management

Built-in chargeback monitoring and dispute support to protect your account health.

Same-day and next-day ACH

Faster settlement options for businesses that can’t wait the standard 2–3 day window.

Dedicated account support

A real person who knows your account, not a generic support ticket queue.

Who we work with

Built for all types of credit repair businesses

Credit repair companies billing monthly service fees
Disputing agencies handling client retainers
Credit coaching and financial wellness programs
Hybrid companies offering credit repair and debt settlement
Startups just getting licensed
Established firms ready to scale

Common questions

Frequently asked questions

Can credit repair companies get ACH processing?

Yes. While many mainstream processors decline credit repair accounts, high-risk processors like GoACH specialize in exactly this. The key is working with an underwriter who understands the regulatory environment and has experience with the industry’s chargeback profile.

Is ACH better than credit card processing for credit repair?

For most credit repair companies, yes. ACH fees are significantly lower than card interchange rates, and recurring ACH billing is more stable for predictable monthly charges. Chargebacks also go through a different dispute process than card chargebacks, which can be easier to manage.

How long does it take to get approved?

Most accounts are approved within 3–5 business days. We’ll need your business documents, processing history if available, and a brief overview of your billing model. We’ll walk you through the full list when you apply.

What if I’ve been terminated by another processor?

We work with many businesses that have been dropped by Stripe, Square, or other mainstream processors. Being placed on the MATCH list is a different situation — contact us to discuss your specific history and we’ll give you an honest assessment.

Ready to get stable ACH processing?

GoACH has helped high-risk businesses process payments reliably since 2010. Fill out the form and get a decision within 3–5 business days.