Blog Topic
Payment processing guides for credit repair companies: CROA and TSR billing rules, state licensing and bonds, MCC classification, and Visa VAMP thresholds.
Credit repair has no dedicated MCC. Which merchant category codes get used, why MCC 7277 is the usual fit, and how the wrong code puts your account at risk.
How Visa’s VAMP program calculates your fraud and dispute ratio, the 2026 thresholds, and how credit repair companies can keep disputes down.
What state credit services laws require from credit repair companies: registration, surety bonds from $10,000 to $100,000, contract rules, and why underwriters check.
When can a credit repair company charge? How CROA and the Telemarketing Sales Rule shape billing timing, and why your billing model decides your merchant account.
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