Instabill Payments Reviews: UK Fees & Pricing

Instabill is a payment service provider that offers a range of payment processing solutions for businesses of all sizes. They specialize in helping high-risk businesses, such as those with high monthly processing volumes and chargebacks, or those that are adult-oriented or located in geographically challenging areas.

Prices/Rates

Instabill’s prices and rates aren’t listed online. To get a rate for your business, you need to contact an Instabill representative. 

Services Overview

Accounts

High-Risk Merchant Accounts

Instabill offers high-risk merchant accounts for businesses that are considered high-risk by traditional banks, like those in the adult entertainment, online gambling, or firearms industries. These businesses usually have high monthly processing volume, chargeback risks, legal liabilities, or are located in a high-risk region. Instabill have nearly 20 years of experience in providing high-risk merchant accounts and strive to make the process affordable for their clients.

Low-Risk Merchant Accounts

For retail merchants with a physical storefront, Instabill provides low-risk merchant accounts. Because the credit card is present with the customer at the time of purchase, storefronts are categorized as low-risk. Instabill provides an easy application process and competitive rates for low-risk merchant accounts.

Domestic Merchant Accounts

Instabill works with all the major credit card brands and guarantees fast payouts for US merchants. They recommend applying for one of their check processing solutions if having trouble obtaining a domestic merchant account.

Offshore/International Merchant Accounts

Offshore merchant accounts offer benefits such as more liberal underwriting, possible tax breaks, no volume restrictions, and multi-currency options. Instabill has a partnership that can assist in registering e-commerce businesses in other countries.

Internet/Online Merchant Accounts

Instabill helps e-commerce businesses establish internet merchant accounts to accept credit card payments through their websites. However, this type of account is considered high-risk since the customer’s credit card is not present at the point of sale in a transaction.

MOTO (Mail order/telephone order) Merchant Accounts

For businesses that qualify, Instabill can arrange for a free virtual terminal, allowing them to process credit card transactions over the phone or via mail order. This type of merchant account is viewed as high-risk and can be difficult to obtain.

Retail Merchant Accounts

Instabill provides retail merchant services and the latest point of sale terminals to fit various business types and sizes. They offer customized credit card processing solutions, payment gateways, volume caps, and support over 160 currencies.

Payment Gateway

Instabill’s payment gateway enables merchants to connect their e-commerce websites to their merchant accounts, facilitating smooth and secure online credit card transactions. By matching merchants with the best acquiring banking options, Instabill ensures seamless integration with the bank’s payment gateway for easy transaction tracking.

Instabill’s internet merchant accounts offer generous monthly processing caps, support for large ticket transactions, and connections to local, offshore, or international acquiring banks. Merchants can rely on Instabill’s payment processing technology and access support through their dedicated merchant account managers.

Features

• Merchant Panel: Manage online and virtual terminal credit card transactions.
• Transaction Page: Track customers’ transactions in an ordered list.
• Statistics Page: Filter transactions based on specific features such as volume and total successful transactions.
• Virtual Terminal: A free virtual terminal for qualifying MOTO (mail order/telephone order) merchants to manually process credit cards.
• User Management Interface: Create multiple operators to help manage online transactions.
• Payment Gateway Integration: Easy integration with business software, websites, shopping carts, and applications.
• Hosted Payment Page: A free hosted payment page to reduce PCI DSS requirements and enhance security.
• Direct Post Integration: Manage your payment page and collect credit card information independently.
• Fraud Prevention: Protect your business and customers with Instabill’s comprehensive fraud prevention system.
• Consolidate Multiple Merchant Accounts: Manage multiple accounts through Instabill’s secure gateway technology to increase monthly processing limits.

POS Terminals

Instabill delivers a range of popular point-of-sale (POS) credit card processing options for American storefront businesses. Ensuring that all available POS terminals are high-grade and PCI compliant, Instabill guarantees secure transactions for merchants.

Verifone Vx570

This potent and swift terminal provides fast and dependable debit and credit card transactions. It adheres to PCI standards, and its enhanced memory supports various value-added applications, making it a top-rated choice in the industry.

Verifone Vx510 Dual Comm

This adaptable terminal handles transactions through regular phone lines and the Internet using an IP address. Its streamlined design and thermal paper printer make it simple to store and operate.

Verifone Vx510LE

Tailored for small to medium-sized businesses, this lightweight and compact device connects solely through standard telephone lines, making it easy to store.

Verifone Nurit 8400

This adaptable, secure, and sturdy terminal is suitable for small to medium-sized businesses. Retailers can choose from a variety of memory sizes, including 3MB, 6MB, and 12MB.

Verifone Vx670 Wi-Fi

This compact wireless POS device is perfect for bars and eateries, and supports credit cards, debit cards, gift cards, and EBT cards.

Hypercom T4200 Series

The powerful and flexible T4200 Series includes the T4205, T4210, and T4220 models, each offering unique features for fast transactions and secure processing.

Ingenico i5100

Ideal for retail and restaurant merchants, this terminal features a simple keypad, backlit display, and an easy-to-load printer, making it user-friendly for both customers and merchants.

Mobile EMV POS Terminals for U.S. Merchants

Instabill also offers mobile EMV POS terminals for merchants who conduct sales at popup sites, flea markets, and trade shows, providing a convenient solution for businesses on the go.

Alternative Payment Methods

As a consequence of a recent collaboration with an acquiring bank, Instabill is now able to provide specialized, region-specific payment processing options in numerous countries and regions globally. This allows merchants to accept a variety of payment methods, besides Visa, MasterCard, and American Express. This includes countries and regions like Europe, Asia Pacific, LATAM, Russia, and the Middle East.

Merchants can offer local payment solutions that are preferred in a particular country or region, such as Boletol or Argencard in South America and Yandex or Qiwi in Russia.

Instabill’s alternative payment solutions help you expand into new markets and appeal to more consumers worldwide. By offering a variety of payment options, you can increase your revenue and sales.

One of the benefits of Instabill’s alternative payment solutions is the ability to integrate with their partner platform, enabling access to new localized alternative payment solutions in new markets. 

Credit Card Processing

Instabill provides online payment solutions for various business types, whether it’s e-commerce, MOTO, or retail. The merchant account application process is easy. You can start accepting online payments within two weeks once you apply.

Instabill offers virtual terminal solutions to accept credit cards over the phone and through the mail, and retail merchant accounts with the latest EMV-ready point-of-sale technology.

For high-risk merchants, Instabill has recently partnered with an online payment processor to provide a solution for anonymous payments to customers. Instabill also recommends check solutions, which are a secure and lower chargeback rate alternative to credit card processing.

ACH Payment Processing

ACH payment processing is an electronic payment solution that allows merchants to deduct funds directly from customer bank accounts. This can help you save time and money as there are no interchange fees involved. You can also set up automatic recurring billing and payments.

This payment method is favored by various industries, including credit repair merchants, debt collection agencies, debt consolidation, membership/subscription-based businesses, non-profit organizations, and payday lenders, to set up recurring payments from customers.

 

Instabill provides integrated ACH bank transfer solutions with risk management, PCI-compliant payment gateways, live customer support, and a large menu of payment processing options, including cost-effective solutions for international, offshore, and high-risk merchant accounts.

eCheck

Instabill offers an eCheck payment processing solution that’s tailored for high-risk e-commerce merchants. The solution works by allowing merchants to place a “PayNow” button on their checkout page, which the consumer clicks on and enters their banking details to complete the purchase.

The eCheck solution is available for merchants in the US and Canada, and it’s a practical solution for high-risk merchants who might encounter trouble in getting a merchant account or an ACH solution. No matter your business’ risk levels, you can apply to the eCheck solution and choose from four tiers of programs.

Fraud protection

Instabill employs a range of initiatives to help merchants and partners avoid credit card scams and fraud. These measures include verifying telephone orders, maintaining a historical database of fraudulent customers, performing Address Verification System (AVS) checks, and enabling customer blocking.

As part of their commitment to fraud protection, Instabill adheres to the security standards established by the Payment Card Industry Security Standards Council (PCI SSC). This compliance ensures that they maintain a secure environment for handling credit card transactions.

Instabill is also partnered with MaxMind, a comprehensive database that identifies and alerts merchants of suspicious activities. By using tools like GeoIP and the minFraud Network, merchants can further protect their accounts from fraudulent transactions.

To instil confidence in customers during the purchasing process, Instabill assists merchants in obtaining Secure Socket Layer (SSL) certificates for their websites. The SSL padlock symbolizes a secure environment for online transactions.

They also support 3D Secure processing, a system established by Visa to authenticate credit card transactions. This method connects merchant and acquiring banks with the credit card issuing bank, allowing for mutual authentication and enhanced security.

Company Background

User Reviews From Around the Web

• Trustpilot – 3.7 / 5 (based on 1 review)
• Reviews.io 4.8 / 5 (based on 43 reviews)

Instabill has a limited number of reviews available, but based on the existing feedback, they have an average rating of 4.7. The reviews highlight a mix of experiences, with some customers praising the company for their dedication and efficient service, especially in helping high-risk businesses set up merchant accounts. One reviewer mentioned the exceptional customer service and competitive rates offered by Instabill, while another applauded their friendly and effective approach.

However, not all reviews are positive. One customer expressed dissatisfaction with the lack of follow-up and communication, describing the experience as a “giant colossal waste of time.” It’s essential to consider these varying experiences when evaluating Instabill as a credit card processing company for your business.

Instabill User Reviews

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