High Risk Merchant Accounts

Have you been turned down for a merchant account because the bank claims your business is too high risk? Have you been unable to get an account without restrictive trading conditions? Or, have changes in your business caused your bank to close your existing merchant account?

Instabill creates customized merchant banking solutions for businesses just like yours every day. How do we do it? By providing a state-of-the art payment gateway and partnering with an extensive array of banks that understand the real payment processing needs of high risk merchants.

Why do I Need a High Risk Merchant Account?

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.

There is Hope for High Risk Merchants.

Instabill believes that every legitimate, legal business should be able to find a workable high risk merchant account solution - and we're here to help.

How does it Work?

When you contact Instabill, you'll talk to a real person who's an expert in high risk merchant accounts - not a salesperson. Your personal merchant account consultant will match your business to one or more of our extensive network of international banks. These banks have liberal underwriting policies that allow them to take on high risk merchant accounts like yours. We recommend that high risk merchants apply for multiple high risk merchant accounts in order to diversify their risk exposure. For qualifying merchants, Instabill will take on some or all of the financial risk, effectively acting as a co-signer for businesses we believe in.

Once we've found the ideal merchant account solution for your high risk business, we'll get you up and running with Instabill's state-of-the-art PCI-compliant payment gateway, so you can start processing credit cards in as little as 2-3 business days.

The Right Choice for High Risk Merchants

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.

Start Processing Today

Many local merchant acquiring banks decline a high number of merchant account inquiries because their under-writing department may have very strict guidelines. Every day new merchants inform us how their own bank either declined their merchant account application outright or simply nobody from the merchant account department ever got back to them.

Instabill welcomes new start up Internet businesses as well as established Internet businesses who are seeking to find a reliable payment processing provider. In addition to being able to provide merchant account approvals very fast, Instabill and it's trusted merchant banks do not require large upfront deposits, we do not restrict the merchant's processing sales turnover, nor do we charge double-digit discount rates.