Payment Processing Built for Credit Repair

Standard processors like PayPal, Stripe, and Square shut down credit repair businesses. Get a specialized merchant account with wholesale pricing, next-day funding, and no surprise freezes.

Get Started with eCrypt

Next-Day Funding No Reserves No Setup Fees

Why Credit Repair Needs Specialized Payment Processing

Credit repair is classified as a “high-risk” industry by major payment networks. This means standard payment processors will freeze your funds, hold your revenue, or terminate your account without warning.

PayPal, Stripe & Square — Explicitly prohibit credit repair in their terms of service. Accounts are shut down once detected.
Frozen funds — Standard processors can hold your revenue for 90–180 days during a review, crippling your cash flow.
High-risk specialists — Work with processors who understand credit repair, approve your business from day one, and keep your money flowing.

Why eCrypt + WhiteLabelCRO

Our preferred payment partner provides bank-direct merchant accounts designed specifically for credit repair startups and established businesses alike.

Wholesale Bank-Direct Rates

Maximize your profit margins with true bank-direct pricing. No middlemen, no inflated rates — just wholesale processing.

Next-Day Funding

Access your revenue the next business day. No rolling reserves, no lengthy hold periods — your money when you need it.

Startup Friendly

Credit scores as low as 460 accepted. Whether you’re just launching or scaling an established business, eCrypt works with you.

Dedicated US Account Manager

No more support tickets with zero resolution. Get a dedicated account manager reachable by phone or email for all your needs.

Simple, Transparent Pricing

No hidden fees, no setup costs. One clear rate structure so you always know exactly what you’re paying.

No Reserves

Unlike other high-risk processors, eCrypt doesn’t hold a percentage of your revenue in reserve. Keep 100% of your processed funds.

eCrypt Pricing

Straightforward pricing with no surprises. No setup fees, no annual contracts.

Fee	Amount
Processing Rate	4.25%
Per Transaction	$0.10 – $0.15
Monthly Minimum	$45 – $65
Setup Fee	None
Chargeback Fee	$25
Minimum Credit Score	460
Funding Speed	Next Business Day
Reserves	None

Apply Now

Already Have a Merchant Account?

If you already have a payment processor, WhiteLabelCRO integrates directly with Authorize.net — one of the most widely supported payment gateways in the industry.

Authorize.net gateway — Connect your existing merchant account through Authorize.net for seamless payment processing.
Recurring billing — Set up automated monthly subscriptions, one-time invoices, and pay-per-delete billing right from your CRM.
Client portal payments — Clients can view invoices and pay directly through their branded portal.

Frequently Asked Questions

Why can’t I just use PayPal, Stripe, or Square?▾

These processors explicitly prohibit credit repair services in their terms of service. Once they detect your business type — and they will — your account will be terminated and your funds may be held for up to 180 days. Using a specialized high-risk processor protects your business from day one.

Why is credit repair considered “high-risk”?▾

Payment networks classify credit repair as high-risk due to higher-than-average chargeback rates in the industry and regulatory scrutiny. This doesn’t reflect on your business — it’s an industry-wide classification. Specialized processors like eCrypt understand this and are built to serve credit repair companies reliably.

How long does the approval process take?▾

eCrypt typically approves applications within 3–7 business days after receiving your paperwork. You’ll need your business website or marketing materials, a voided check or bank letter, government-issued ID, your client service agreement, and 3 months of bank statements.

What documents are needed to apply?▾

To get started, you’ll need: your business website or marketing materials, a voided check or bank letter, a government-issued photo ID or passport, your client contract/service agreement, and 3 months of business or personal bank statements.

I already have a merchant account. Do I need to switch?▾

Not at all. If your current processor supports Authorize.net as a gateway, you can connect it directly to WhiteLabelCRO. Our platform integrates with Authorize.net for payment processing, recurring billing, and client portal payments. No need to change processors.

What’s the difference between a merchant account and a payment gateway?▾

A merchant account is the financial relationship that allows you to accept credit card payments. A payment gateway (like Authorize.net) is the technology that securely transmits transaction data between your software and the merchant account. You need both — eCrypt provides the merchant account, and Authorize.net (or a compatible gateway) connects it to WhiteLabelCRO.

Immediately lower production costs, increase your ROI & watch your business skyrocket.

Payment Processing Built for Credit Repair

Why Credit Repair Needs Specialized Payment Processing