//for / debt relief operators

The FTC's 2010 telemarketing sales rule and CFPB scrutiny have card processors treating debt relief as radioactive.

Debt consolidation, debt settlement, and credit repair services face two structural problems: FTC/CFPB regulatory attention on the vertical, and cardholder disputes when settlement results don't match consumer expectations. Card processors solve both by declining the category. Stablecoin doesn't have that option.

// approval-rate benchmarklast 30d

industry avg — Debt relief & consolidation

18%decline rate

transactions killed by risk rules, MCC blocks, and BIN filters

our stack

100%approval rate

not 99.99% — 100% on qualified volume, verifiable in your ledger

Every 18 out of 100 transactions your current processor kills is revenue you already paid to acquire. Our routing + wallet stack clears the full 100 — the ROI conversation stops being about basis points and starts being about the 18% of gross you’re currently leaving on the table. See the commitments we sign to keep it there →

Categorical

acquirer avoidance driven by TSR and CFPB scrutiny

reserve on stablecoin rails

T+0

settlement — critical for time-sensitive creditor negotiations

// where the current model breaks

FTC TSR and CFPB enforcement drives categorical acquirer avoidance

The FTC's 2010 Telemarketing Sales Rule amendments and ongoing CFPB scrutiny make debt relief a category most card processors won't underwrite.

Consumer dispute rate on debt settlement is structurally high

Settlement outcomes that don't match consumer expectations drive 'services not as described' chargebacks. Representment is difficult; the FTC has published guidance that constrains what acquirers accept as evidence.

State AG actions cascade into MID terminations

State-by-state debt relief regulations vary widely, and state AG enforcement against operators triggers immediate acquirer termination.

// why the cashier works for this vertical

No card acquirer to underwrite the regulatory risk — rail is neutral.
Same-day fund availability for time-sensitive settlement offers.
Consumer dispute vector shifts to consumer-side rail, not the operator's MID.
State AG action doesn't terminate the rail.

// objections

Questions operators in this vertical ask.

Does this exempt us from FTC or CFPB compliance?

No. Payment rail is orthogonal to substantive consumer protection compliance. The cashier provides auditable transaction records; substantive compliance stays your responsibility.

How do we handle disclosure and TSR obligations?

Disclosure and TSR compliance happens at your intake and contract layer. The cashier only processes payments; it does not modify or affect required disclosures.

Can consumers pay in installments?

Yes — scheduled recurring debits work the same as any subscription flow.