Affordable Merchant Account Solutions

To accept credit cards online, every e-commerce merchant needs a merchant account. Finding merchant account solutions, however, is unique, making it important to understand what’s best for your e-commerce business.

That’s where Instabill comes in.

We’ve provided account solutions for e-commerce, MOTO and retail merchants worldwide for 15 years with our vast network of domestic, international and offshore banking partners. Whether you need an offshore merchant account or a virtual terminal, we can help you.

Merchant Account Solution Options: No Two Are the Same

Merchant account solutions vary, and it’s important to know which is the best fit for your business. At Instabill, we have longstanding partnerships with acquiring banks that specialize in specific industries, such as e-cigarettes, online gambling or forex. Through our banking partners, we offer account solutions custom to a merchant’s business.

Online Merchant Account Solution

Instabill offers payment processing for more than 90 e-commerce industries. Among our most popular include adult content, online pharmacies, lending solutions and tech support. Find out more about our fast approvals and competitive rates.

Payment Gateway Integration

Upon approval for a merchant account solution, you will integrate your website with the secure payment gateway of your acquiring bank. Payments submitted on your website will enter the bank’s payment gateway for processing, and will then be submitted to your merchant account.

For qualifying MOTO merchants, we offer use of our free virtual terminal, enabling merchants to accept credit cards both by phone and through mail orders. All you need is an internet connection and a secure web browser.

Multi-Currency Merchant Account Solution

Instabill and its numerous domestic and offshore banking partners provide the solutions that recognize most any currency, including US, Canadian and Australian dollars, Great Britain pounds, euros, Chinese yeun and Japanese yen. With an international merchant account solution, your customers can pay and accept payouts in their own familiar currency.

Fraud Prevention for My Merchant Account

Since Instabill is a high risk merchant service provider, the type of merchants we serve tend to have a higher chance of encountering chargebacks and/or high volume. Through our satellite website, Instabill.org, we offer many chargeback prevention strategies as well as credit card fraud prevention tips to help you mitigate risk and protect your merchant account.

More than ever, merchants are under pressure to keep chargebacks to an absolute minimum after Visa halved its chargeback monthly limit from 2 percent of sales or 200 per month to 1 percent/100 per month effective Jan. 1, 2016.

3D Secure Merchant Accounts

Instabill offers 3D Secure merchant account solutions: Verfied by Visa, MasterCard SecureCode, American Express SafeKey and JCB’s J-Secure. If you opt not to have a 3D secure solution, Instabill can provide you with non-3D Secure credit card processing as well.

While many merchants feel 3D secure technology is a sales disruptor and leads to shopping cart abandonment, its second iteration, 3D secure 2.0, to be rolled out later in 2017, is expected to remedy such drawbacks.

Retail Merchant Account Solutions

For businesses in the United States, Instabill offers retail merchant accounts and POS terminals for a variety of brick-and-mortar businesses, including bookstores, supermarkets, and clothing stores. Learn more about our retail merchant accounts.

Through one of our partners, Instabill also offers mobile, EMV-ready point of sale devices — an optimal solution for migratory merchants who are constantly on the go.