Merchant Accounts

Quality merchant accounts with Instabill

Instabill Merchant Accounts: Designed for Success

Easy merchant services for your e-commerce business

In order to process credit and debit card payments through your website, you need a merchant account with an acquiring bank. Merchant accounts aren’t always easy to come by, however, depending on your individual qualifications and business type.

That’s where Instabill comes in.

What is a Merchant Account?

A merchant account can be referred to as many things, such as a merchant services account or merchant credit card account. It is a special type of bank account used to receive the proceeds of credit card transactions through a website, over the phone or through the mail. The merchant’s acquiring bank accepts payment from the consumer and deposits funds into the merchant account. It is an absolutely necessity when processing credit card transactions online.

How to Get a Merchant Account: The Process

After completing the quick form above, our expert account managers will be in touch by telephone shortly. Following our preapproval (a few questions about your business), we’ll e-mail you an application package and connect your business with the best acquiring banking solution we know. In nearly 20 years of payment processing, Instabill knows which acquiring banks are best for certain industries.

Once we have your full application packet, we will present your business to the best acquiring banking partner we know for your industry and await the approval, which is typically between 10-14 business days.

Types of merchant accounts

High Risk Merchant Accounts
Whatever the characteristics are that make your business high risk – industry type, high monthly processing volume, chargebacks or geographical location – Instabill can provide you with an affordable high risk merchant account. We’ve been helping launch and guide high risk e-commerce businesses for nearly 20 years.

Low Risk Merchant Accounts
Low risk merchant accounts through Instabill typically mean a fast approval and competitive rates following our easy application process. An example of a low risk merchant account is one that is geared around a retail merchant with a physical storefront.

Storefronts are categorized as low risk because the credit card is present with the cardholder at the time of a purchase. Online shopping transactions are considered high risk since the credit card is not present with the merchant at the time of sale.

Sign up for our credit card processing services and watch your e-commerce sales and profits grow.

Domestic Merchant Accounts
Instabill works with all the major credit card brands — MasterCard, Visa, American Express, Discover, Diner’s Club International, even JCB, China UnionPay and many local credit card brands worldwide. For U.S. merchants, we guarantee fast payouts: Transaction day plus two days (T+2). Learn more about US merchant accounts.

While domestic merchant accounts can sometimes be difficult to obtain for some high risk merchants, we highly recommend applying for one of our check processing solutions which can bridge that gap when a high risk merchant is between credit card processing solutions or having trouble finding one. Our e-check solutions are safe and reliable, cost-effective and offer fast approvals.

Offshore/International Merchant Accounts
There are many benefits of offshore merchant accounts including:

  • More Liberal: Offshore and international banks are more liberal, and tend to take on high risk merchants and industries so long as merchants have sound financial history.
  • Possible Tax Breaks: Offshore banks tend to have lesser tax implications than domestic or international banks.
  • No Volume Restrictions: Offshore and international banks are also known for generous or no volume caps whereas domestic banks generally feel the higher the volume, the higher the chargeback risk, and thus impose caps.
  • Multi-Currency Options: The offshore merchant account holder has a choice of processing in currencies such as the Euro, GBP, Australian Dollar. Japanese Yen, Chinese Yuan, Hong Kong Dollar and many more.
  • Offshore Company Registrations: Need to register your e-commerce business in another country? Instabill has a partnership that arranges for the necessities for businesses to register in the European Union and the United Kingdom: physical office, staff, local phone line and local bank account. An Instabill merchant account expert will guide you through the process of obtaining your merchant service account and registering your company in another country. View our offshore company registration

Internet/Online Merchant Accounts
Instabill helps e-commerce business owners establish internet merchant accounts so they can accept credit card payments through their websites. With cost-effective solutions and PCI compliant applications, our merchant account services quickly become a valuable necessity to any e-commerce business. As we mentioned prior, however, internet merchant accounts are usually considered high risk since the customer credit card is not present at the point of sale in a transaction.

MOTO (Mail order/telephone order) Merchant Accounts
For qualifying merchants, the Instabill can arrange for a free virtual terminal allowing businesses to process credit card transactions over the phone or via mail order. Virtual terminal merchant accounts can be difficult to obtain as they are viewed as high risk by acquiring banks. We recommend speaking with one of our merchant account experts about our mail order/telephone order (MOTO) solutions today.

Retail Merchant Accounts
Instabill can provide your business with retail merchant services and a variety of the latest POS terminals. Whether you own a small clothing boutique or a large supermarket, we have a merchant account solution for you.

Through a partner, Instabill can offer the latest in credit card processing point of sale hardware, including mobile EMV devices, from the most recognized names in the industry.

Why partner with Instabill?

Instabill’s diverse, customized credit card processing solutions include PCI-compliant payment gateways, generous volume caps, solutions for most every currency, and most importantly, live customer support. We can help you get started today.

For more information, contact us online or call us toll-free at 1-800-530-2444. We will assign you one merchant services expert who will answer all of your payment processing questions and partner with you every step of the way. Our support doesn’t stop at the approval — we remain on hand as consultants for the duration of our relationship, always reachable by telephone.