Can I sell credit repair services on Stripe, Shopify Payments or PayPal?
Prohibited by Stripe by name, including credit monitoring and counselling, and covered by PayPal's financial services clause. A service business with no product risk at all is treated more severely here than several of the ingestible categories above, because the risk being priced is the dispute rate and the regulatory attention, not the safety of anything.
Also searched as: credit monitoring, credit counseling, credit restoration.
Stripe
ProhibitedNamed on the list and refused. Applying anyway is how merchants end up on MATCH.
“Credit monitoring, credit repair, and counseling services”
Named on the prohibited list, and drawn widely enough to include monitoring and counselling. Rebranding a credit repair business as credit education or credit coaching does not move it outside this clause, because the clause already covers counselling.
Source: Stripe: Prohibited and restricted businesses. The policy states it was last updated 13 May 2026. We last read it on 27 August 2026. Check it yourself before you act on this: these lists change, and ours is a reading of theirs, not a substitute for it.
PayPal
ProhibitedNamed on the list and refused. Applying anyway is how merchants end up on MATCH.
“involve certain credit repair, debt settlement services, credit transactions or insurance activities”
Named in the prohibited activities. "Certain" again, but credit repair is the first thing listed and this is not a clause anyone has talked their way out of.
Source: PayPal: Acceptable Use Policy. The policy states it was last updated 29 October 2022. We last read it on 27 August 2026. Check it yourself before you act on this: these lists change, and ours is a reading of theirs, not a substitute for it.
Shopify Payments
ProhibitedNamed on the list and refused. Applying anyway is how merchants end up on MATCH.
No policy of its own
Inherits both prohibitions.
Source: Shopify: Payment processor list. The document publishes no last-updated date. We last read it on 27 August 2026. Check it yourself before you act on this: these lists change, and ours is a reading of theirs, not a substitute for it.
What actually happens
Credit repair merchants are usually terminated on the strength of the website alone, often within days, because the category is identifiable from a homepage in a way that a supplement catalogue is not. Recurring monthly billing against a promised outcome also produces a dispute rate that gets attention on its own.
What works instead
A specialist acquirer, and a compliance posture built for CROA: clear written contracts, the cancellation right stated, and no billing in advance of services performed. That last point is both a legal requirement and the single biggest driver of the disputes that make this category expensive to underwrite.
Want the version that accounts for your actual store?
This page is about credit repair services as a category. Approval turns on your specific catalogue, your claims and your paperwork, and we will tell you where you stand whether or not it leads to work for us.
Both are free and neither is a sales call. The check asks for your web address and nothing else; the call is thirty minutes and ends with an answer whether or not it leads to work for us. Ready to start instead? Tell us what you sell.