High Risk Merchant Accounts

If you own an e-commerce business, then you already know how difficult it can be to get a merchant account. Traditional banks turn you down because they say you're too high risk. Instabill has been specializing in high risk merchant accounts for more than 10 years, making online payment processing a breeze for you.

How Can I Get a Merchant Account If I have
Been Labeled High Risk?

What is a High Risk Merchant?

Banks that provide merchant accounts define a high risk merchant as a someone who processes transactions when a customer isn't present to sign the receipt for their credit card purchase. This includes all e-commerce and mail order/telephone order (MOTO) merchants. Instabill works with many card-not-present businesses providing high risk merchant accounts, including:

High Risk Features We Can Accomodate

We can provide high risk merchant accounts to a wide range of e-commerce industries. But it's not just the industries we can accommodate -- it's the specific features that makes these businesses high risk. Instabill can work with high risk merchants that have:

• A start-up business with low sales volume or have no processing history
• High chargeback ratios
• High average ticket amounts, like Forex merchants
• Subscription-based products or services, like dating websites
• Had a merchant account terminated by a bank in the past
• Poor credit histories or recent bankruptcies

Benefits of Instabill's High Risk Merchant Accounts

For more than 10 years, Instabill has been expanding its trusted network of domestic, offshore, and international banking partners. Our group of banking partners allows us to taylor high risk payment processing solutions to your business's specific needs. Benefits of our high risk merchant accounts include:

• PCI Compliant Payment Gateway: Instabill's expert team of developers hand-crafted our payment gateway to ensure our merchants will always experience secure payment processing. Our PCI compliant payment gateway is also quick and easy to use. Merchants will benefit from being able to screen their transactions and search for specific orders by date, transaction type, and volume.
• Offshore and International Merchant Accounts: Sometimes getting approved for a domestic merchant account is too tough for high risk merchants, which is why we specialize in offshore payment processing. Offshore and international merchant accounts have fewer trading restrictions and allow you to reach customers all around the world.
• Multi-Currency Processing: As an e-commerce or MOTO merchant, you have the ability to sell to customers all over the globe. What better way to attract a worldwide audience than by allowing them to pay in their native currency. Instabill merchants can accept payments in more than 160 currencies and receive payouts in 18 major currencies.
• Comprehensive Fraud Protection: As a high risk merchant processing card-not-present transactions, you need to protect your customers from identity theft, fraud, and scams just as much as you need to protect your business from those things too. However, we won't make you do it alone. Fraud prevention is one of our top priorities, and we're here to help you keep your business and your customers safe.
• 3D Secure Processing: E-commerce merchants looking for stronger fraud prevention services should ask one of our expert merchant account specialists about 3D Secure processing. More commonly known by their credit card scheme names (e.g. Verified by Visa, MasterCard SecureCode, etc.) 3D Secure processing requires cardholders to enter their password to verify their identity, which shifts the liability from the merchant to the credit card issuing bank.
• Live Customer Support and Client Tech Support: Sick of listening to automated machines directing you where to go for help? We hate them too, which is why you'll always speak with a real person every time you call our office. Not only will you get another human on the phone, but our customer support and client tech support teams are experts in what they do.

Applying for Instabill's High Risk Merchant Accounts Is Easy!

If you need quick, easy, and secure payment processing solutions, contact us to speak with one of our friendly merchant account specialists about our high risk merchant accounts today.