In my opinion yes... they are not a high risk processor and can freeze your account and bank account if they choose to do so. Everyone in the credit repair industry starting out has a high risk processing merchant account until they do not present a risk over time to the merchant provider, then you can negotiate better terms.


Anything else in my opinion is a risk.


But if you feel that you can use Wells Fargo you must ensure that they support CIM and not SIM or AIM when they setup your authorize.net portal.