High-risk merchant services
Instabill is a high-risk and offshore merchant account provider founded in 2001, with a US office in Portsmouth, New Hampshire and an EU address in Malta, placing merchants with acquiring banks worldwide.
Strengths
Watch out for
Best for
High-risk or non-US merchants who need an offshore merchant account and can accept a rolling reserve.
| Type | High-risk merchant services |
|---|---|
| Pricing model | custom quote |
| Card rate | Not published |
| International | Not published |
| Monthly fee | Not published |
| Setup fee | None (homepage: 'No Merchant Account Set Up Fees') |
| Chargeback fee | Not published |
| High-risk businesses | Yes |
|---|---|
| Dropshipping | Not published |
| Reserves | Usually 5% to 10% of weekly sales, paid out six months later, on high-risk, international and third-party accounts |
| Payout speed | Daily (3 days in arrears) or weekly (1 or 2 weeks in arrears), set by the acquiring bank |
|---|---|
| Merchant countries | US and international merchants; acquiring bank partners on six continents (eligible countries not listed). The US virtual terminal requires US citizen owners. |
| Currencies | 160+ accepted; payouts in 18 major currencies |
| Shopify | Not published |
|---|---|
| WooCommerce | Not published |
| Subscriptions | Yes |
| One-click upsells | Not published |
| Apple Pay | Not published |
| Multiple MIDs | Not published |
| Token portability | Not published |
The fees page lists fee types (discount rate, transaction fee, monthly statement fee, chargeback and refund fees) without amounts, and says no fees are charged until the acquiring bank approves the account.
Industry pages cover adult, CBD, gaming, gambling, nutra, online dating, tech support, vape, kratom, forex and cannabis. Dropshipping is not mentioned.
Payouts are made by wire transfer, in 18 major currencies.
The gateway is provided through the acquiring bank. Instabill does not name specific gateways or shopping carts.