Revmrr

InstabillC50

Merchant Services · Merchants in genuinely hard-to-place verticals — particularly those needing an offshore or multi-currency p…

Visit Instabill ↗

Overview

Instabill is a broker, and it should be judged as one. Its value is access — relationships with domestic and offshore banks that will underwrite cannabis, gambling, forex, adult and other declined verticals, with no application fee to find out whether you qualify. Its weakness is that almost nothing about it is verifiable: no published rates, no BBB rating, four Trustpilot reviews, and a founding date its own site and the BBB record disagree on. It is a reasonable second or third quote to collect, and a poor sole option.

Best for: Merchants in genuinely hard-to-place verticals — particularly those needing an offshore or multi-currency placement — who are collecting several quotes and can evaluate the terms on their merits.

Strengths

  • + No merchant account application fee, so obtaining a quote and an underwriting decision costs nothing.
  • + States its rolling reserve range publicly — usually 5 to 10 percent of weekly sales volume — where most high-risk brokers disclose nothing until the contract.
  • + Genuine offshore and international placement, including support Instabill describes as covering more than 160 currencies, which matters for merchants no domestic bank will take.
  • + Serves more than 90 industries by its own count, spanning cannabis, CBD, crypto, adult, gambling, forex, e-cigarettes and travel.
  • + Says it charges nothing until you begin processing, which limits the downside of applying.

Trade-offs

  • – No rates published at all — the fees page lists seven fee categories and gives an amount for none of them.
  • – Not BBB-accredited and carries no BBB rating; the BBB states it has insufficient information to issue one.
  • – Sources disagree on when the company started: Instabill's own site says 2001, while the BBB record shows the business started and incorporated on 24 September 2003 and started locally on 1 January 2006.
  • – Almost no public review footprint — four Trustpilot reviews on an unclaimed profile is not a usable signal.
  • – Rolling reserves are held for a substantial period, so a meaningful share of your revenue is unavailable to you for months.
  • – As a broker rather than the acquirer, the terms you actually get depend on which bank you are placed with, and Instabill's own published information tells you nothing about that.

Fees in detail

  • Contract: 10

Standard published rate for a domestic online card payment. Confirm current pricing on Instabill's pricing page.

Startups on RevMRR using Instabill

RevMRR can't verify revenue through Instabill yet. Verify your revenue →