Lending & Credit
Payment Processing Solutions
Merchant accounts for lenders and credit service providers, with recurring card and ACH repayments, loan software integration and banks that underwrite financial services. Apply with confidence.
Why Choose Daystar for Lending & Credit Payment Processing
Lending companies, credit repair services and alternative finance providers are consistently declined by mainstream processors. Heavy regulation, higher chargeback rates and bank reputational concerns lead to declines, frozen funds and sudden terminations. We support consumer and personal installment lenders, short-term and payday lenders, auto title and secured lenders, merchant cash advance providers, buy-now-pay-later platforms, debt consolidation and debt-relief companies, and credit-repair businesses.
Daystar works with 20 acquiring banks across 4 continents, including domestic and offshore banks that knowingly underwrite lending merchants. As a high risk merchant account provider, we approve 95% of qualified applicants, most decisions arrive within 24 hours, and most approved merchants are live within 3 business days, with no setup fees and no long-term contracts. Lenders with frozen accounts or a TMF/MATCH listing can apply for re-banking.
Combining card processing with eCheck and ACH reduces transaction costs and chargebacks on recurring repayments, and B2B lenders can use Level 2 and Level 3 data for interchange optimization on commercial transactions. Whether you fund consumer loans or business advances, the account is structured around how your borrowers actually repay.
Our Lending & Credit Merchant Account Features
Credit Card Processing
Payment Gateways
Mobile Payment Apps
ACH and E-Checks
Subscription Billing
Sell Internationally
Credit Card Processing
Lending & Credit
Credit Card Processing
Accept debit and credit cards for loan repayments, application or service fees and credit-repair program fees, subject to card-brand rules for your product type. Accounts are underwritten for lending, and clear descriptors that name your company help borrowers recognize charges. We review how your repayments and fees are structured before setup so the account fits card-network requirements.
Payment Gateways
Lending & Credit
Payment Gateways
Our gateway integrates with loan management software, CRMs and custom platforms, supporting recurring repayments, application processing and borrower payment portals. A virtual terminal handles payments your staff take by phone, and AVS, CVV and velocity filters screen transactions before they settle. Payments post back to the right loan so your servicing records stay accurate.
Mobile Payment Apps
Lending & Credit
Mobile Payment Apps
Loan officers, dealers and field staff can accept payments on a phone or tablet at branches, dealerships or client meetings. Mobile acceptance records each payment in the same reporting as your portal and phone payments, and borrowers receive receipts by text or email as proof of payment, which helps reduce disputes over whether a payment was made.
ACH and E-Checks
Lending & Credit
ACH & E-Checks
eCheck and ACH are the natural rail for loan repayments. Bank drafts cost less than cards and carry lower dispute risk, so many lenders run scheduled repayments on ACH and keep cards for one-time or catch-up payments. ACH also works for funding disbursements and gives you a second rail if card processing is interrupted.
Subscription Billing
Lending & Credit
Subscription Billing
Set up automatic repayment schedules on card or ACH with documented borrower authorization. Retry and card-updater tools keep payments running when cards expire or a draft is returned, reducing missed collections. Credit-repair and debt-relief programs billing monthly can run on the same recurring engine, with terms structured to fit card-brand rules for those services.
Sell Internationally
Lending & Credit
International Sales
Lenders serving borrowers abroad or operating across markets can accept multiple currencies. Domestic and offshore processing options and multiple MIDs let you separate loan products, brands or regions, so a dispute spike in one product line, such as short-term loans, does not affect processing for your installment or secured lending portfolio.
Credit Card Processing
Payment Gateways
Mobile Payment Apps
ACH and E-Checks
Subscription Billing
Sell Internationally
Credit Card Processing
Lending & Credit
Credit Card Processing
Accept debit and credit cards for loan repayments, application or service fees and credit-repair program fees, subject to card-brand rules for your product type. Accounts are underwritten for lending, and clear descriptors that name your company help borrowers recognize charges. We review how your repayments and fees are structured before setup so the account fits card-network requirements.Payment Gateways
Lending & Credit
Payment Gateways
Our gateway integrates with loan management software, CRMs and custom platforms, supporting recurring repayments, application processing and borrower payment portals. A virtual terminal handles payments your staff take by phone, and AVS, CVV and velocity filters screen transactions before they settle. Payments post back to the right loan so your servicing records stay accurate.Mobile Payment Apps
Lending & Credit
Mobile Payment Apps
Loan officers, dealers and field staff can accept payments on a phone or tablet at branches, dealerships or client meetings. Mobile acceptance records each payment in the same reporting as your portal and phone payments, and borrowers receive receipts by text or email as proof of payment, which helps reduce disputes over whether a payment was made.ACH and E-Checks
Lending & Credit
ACH & E-Checks
eCheck and ACH are the natural rail for loan repayments. Bank drafts cost less than cards and carry lower dispute risk, so many lenders run scheduled repayments on ACH and keep cards for one-time or catch-up payments. ACH also works for funding disbursements and gives you a second rail if card processing is interrupted.Subscription Billing
Lending & Credit
Subscription Billing
Set up automatic repayment schedules on card or ACH with documented borrower authorization. Retry and card-updater tools keep payments running when cards expire or a draft is returned, reducing missed collections. Credit-repair and debt-relief programs billing monthly can run on the same recurring engine, with terms structured to fit card-brand rules for those services.Sell Internationally
Lending & Credit
International Sales
Lenders serving borrowers abroad or operating across markets can accept multiple currencies. Domestic and offshore processing options and multiple MIDs let you separate loan products, brands or regions, so a dispute spike in one product line, such as short-term loans, does not affect processing for your installment or secured lending portfolio.Lending & Credit FAQ
Yes. We offer chargeback alerts and fraud protection tools, with availability depending on your program. Our systems help flag fraudulent transactions and reduce chargeback risk.
Absolutely. Our infrastructure is equipped to handle high-volume transactions efficiently, ensuring that your business operations are smooth and uninterrupted, regardless of the transaction volume.
Yes, we provide multiple MIDs. This feature is especially beneficial for businesses looking to diversify their payment processing across different products or services.
We have partnerships with 20 acquiring banks. This extensive network allows us to offer more reliability and flexibility in processing your payments.
Yes, we provide both domestic and offshore processing solutions, giving you the flexibility to choose what best suits your business model and customer base.
No, we pride ourselves on transparency. There are no setup fees or hidden charges in our payment processing services.
Banks typically ask for state lending or credit services licenses where required, business registration, loan products and terms, how repayments are authorized and collected, and processing history including chargebacks. Clear disclosures, documented authorizations and a recognizable descriptor support approval. We do not give legal advice, so confirm federal and state lending rules with your counsel.
Our payment processing solution supports a wide range of payment methods, including all major credit and debit cards, to ensure that you can cater to all your customers’ preferences.
The account setup process is streamlined and efficient. Once you submit all required documents, we aim to get your account up and running as quickly as possible, typically within a few business days.
Lenders face heavy regulation, higher chargeback rates and bank reputational concerns, which cause mainstream processors to decline or terminate them. Daystar places lenders with banks that underwrite this category intentionally.
Yes, where permitted. Daystar places short-term, payday and installment lenders with banks that support them, including gateway, ACH and recurring-billing setup. Approval depends on underwriting and licensing.
Yes. Recurring card billing and ACH/eCheck let borrowers repay automatically, lowering payment costs and reducing missed collections.
Yes. Re-banking terminated and TMF/MATCH-listed lenders is a core part of our service. A prior termination is an obstacle to work through, not a permanent barrier, though approval still depends on underwriting.
Lenders face heavy regulation, higher chargeback and dispute rates, and reputational caution from banks, so mainstream processors often decline or later terminate them. Specialized acquiring banks underwrite the category on purpose — and that is who Daystar places you with.
Yes. Short-term, payday, and installment lenders are exactly the kind of merchant we place with banks that support the category, along with the gateway, ACH, and recurring-billing tools these businesses depend on.
Get Your Lending & Credit Merchant Account Today
Apply Now — Fast Approval, No Setup Fees
At your service.
You have questions. We have answers. Are you an existing customer looking for help? Complete the form to reach our support team.
Not an existing customer or partner? Contact sales at +1 (786) 453-7357
Not an existing customer or partner? Contact sales at +1 (786) 453-7357
- 6303 Blue Lagoon Drive, Suite 400, Miami FL, 33126
- +1 786-453-7357
- support@daystarpayments.com