High Risk Merchants:
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Payment solutions designed for your success.
High Risk Merchant Accounts Customized for Your Business Needs
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International merchants
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No Processing History
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No Volume Caps
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Multi-Currency Accounts
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Bad Credit History
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Virtual Terminal Access
Are domestic banks denying your request for an e-commerce or mail order/telephone order (MOTO) merchant account because your business is too high risk? Do you need a credit card processing solution with fewer trading restrictions? Or, have changes in your business caused your acquiring bank to close your existing merchant account? If you've answered yes to any of these questions, Instabill has the solution for you.
More Approvals in More High Risk Industries
Instabill believes that all legal and legitimate businesses deserve a fair chance to accept credit cards online, even those working within the card-not-present environment. Our trusted network of offshore and international acquiring banks allows us to provide high risk merchant account solutions to a wide range of e-commerce industries. The following is a short list of just some of the businesses we facilitate with merchant accounts.
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Dating
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Adult Entertainment
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Business Opportunities
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Debt Collections
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Credit Repair
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E-cigarettes
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Escort Services
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Casino
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Forex
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Travel
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Proprietary Software
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Male Enhancement
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Pharmacy
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*Gambling
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Internet Computer Sales
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Large Ticket Electronics
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Downloadable Software
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Jewelry
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Travel
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*Lottery
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Stock Trading
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Weight Loss
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Seminars
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Telecommunications
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Mail Order /
Telephone Order (MOTO) - ✔
Mortgage Modification
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Multilevel Marketing
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Natural Health
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Network Marketing
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Nutraceuticals
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Penny Auctions
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Internet Services & Hosting
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Credit Management
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Telemarketing
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Payday Loans
*Non-US cards only
High Risk Merchant Account Features
Merchants processing credit cards with Instabill benefit from the following high risk merchant account features:
- Credit card processing for all major cards, including Visa and MasterCard.
- Added fraud prevention with 3D Secure processing.
- PCI-compliant payment gateway compatible with more than 40 popular shopping carts.
- Payment processing in more than 160 currencies and settlement in 18 major currencies.
- Live customer and technical support services--no more automated messages!
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1 Contact Instabill
You'll talk to a real person who's an expert in high risk merchant accounts - not a salesperson.
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2 Get Matched
Our extensive network of banking partners lets us find a solution of virtually every high risk business
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3 Start Processing
We'll have you up and running in 2-3 business days - with daily or weekly payouts.
Skydiving. Riding a motorcycle. Playing the stock market. Those things are high risk. But what about accepting credit cards online, over the phone, or via mail order? Even if you don't think of your business as high risk or yourself as needing a high risk merchant account, traditional domestic banks may not approve your merchant account application if:
- Your customers aren't present to sign the credit card receipt. (Card-not-present processing.)
- Your business is a start-up with an unproven credit history.
- You or your business has bad credit.
- You need to process a high volume of credit card transactions. (Over $25,000 a month.)
- Your business has grown from small to medium or high volume.
- Your business operates in certain "high risk" industries, like online pharmacies.
- You offer a free trial followed by a recurring monthly payment.
- Your average transaction is over $500.
- Your business depends on seasonal or sporadic sales.
- You sell to international customers, or intend to process payments in foreign currencies.
- You have a history of excessive chargebacks or refunds.
- If a bank has closed your merchant account in the past; if you've ever provided contradictory information on a merchant account application; or if you've had problems with customer service or unclear billing descriptions, you may also have a hard time getting a merchant account.
If you're a high risk internet merchant, finding the right merchant account can mean the difference between success and failure. Instabill's high risk merchant accounts:
- Don't require large upfront deposits
- Don't charge excessive setup fees
- Don't restrict the merchant's processing sales turnover
- Don't charge double-digit discount rates.
