However, while a high risk merchant cannot open a merchant account many merchant credit card account providers actually work to provide high risk merchants the ability to process payments.

This type of processing company is the third-party processor that will allow high risk businesses and individuals to accept online payments through the use of its own merchant account.

The high risk merchant would apply for a merchant credit card account through the third-party processor. The processor would then create its own set of terms and conditions to decide whether the merchant is eligible to use its services. Once approved the payment gateway is usually provided and all sales are processed through the third-party processor's system.

Businesses that would be considered ‘high risk’ and should opt for a third party merchant credit card account processor would fit in at least one of the following categories.

• The merchant does not have a registered business.
• The merchant has been blacklisted by credit card processing companies [card processing companies share a Match List that contains any company associated with fraud/bankruptcy etc].
• The merchant poses a high risk e.g. sells online tickets or downloadable software. The credit card processing business is risky on its own and combining it with the undependable Internet environment increases the risk.  
• The merchant does not have a stable credit history.
• The merchant only processes small volumes of transactions. Most merchant accounts are expensive as payment gateways and fraud screening softwares have to be purchased as well. This means the associated fees would make a merchant account inconsequential in comparison.
• The merchant processes a large volume of sales. Many processing companies are unwilling to take the risk of being liable for a large number of transactions that may end with fraud.

The following business ventures are termed as high risk merchant accounts:

• Online gambling
• eWallet/e-cash
• Adult entertainment 
• Wholesale products
• Travel
• Online pharmacies
• Others

Businesses considered high risk merchant accounts can be made more eligible and qualified if you follow these recommendations:

• Improve your credit history if it includes any previous bad credits. Bankruptcy and bad experiences with previous merchant account providers should be outlined and a credit reporting agency hired to present the credit report in the best possible way.

If you have had a good history with previous processors it will boost your credibility to get a high risk merchant account.

• Furnish fraud protection and risk management software in your online system.
• Be honest about your credit history when providing details to merchant account providers. Presenting your history of loans and any bankruptcy files will establish a favorable credit history despite the fact that the credit is negative. Trust plays a major role in merchant accounts.
• Provide complete documentation with regard to the history and time the business has been in operation. This will give the merchant account provider the confidence that you are able to recognize and overcome the risks of your business.

Business which are considered high risk merchant accounts does not mean that they will not be able to process credit cards online, there are numerous online processors like Instabill.com that are especially designed to provide high risk merchant account holders the ability to process payments online and accept high volume sales.

• Online Casinos: Online casinos and merchants involved in other gambling and gaming business activities.

• Sports wagering: Merchants involved in betting and wagering in all kinds of sports such as football, soccer, hockey, basketball, baseball, tennis, autoracing, golf and boxing.

• Ewallet/e-cash: Businesses involving digital cash, e-wallets are a convenient way to make small to large purchases online are termed as high risk merchant accounts.

• Adult entertainment: Online adult entertainment has over the years become a well-organized and profitable industry. The adult entertainment merchants offer all kinds of erotica in the form of DVDs, videos, escort listing directories and many more.

• Online cigarette/tobacco: All brands of cigarette and tobacco from the cheapest to the most expensive are offered by online tobacco merchants along with some amazing discounts come under high risk merchant accounts.

• Replica Products: Replica merchants make available all kinds of imitation products such as stylish hand baggage, classy time pieces, elegant stationery, fashionable clothes, functional electronic items and gorgeous jewelry.

• Travel: Online travel merchants offer a diverse range of online travel services such as booking of online tickets, railway passes, hotels, sight-seeing packages and the likes.

• Online pharmacies: Online pharmacies are those that sell prescription medicines, drugs and health products, approved by the FDA or the generic version. These businesses are also termed as high risk merchant accounts.

Other businesses that come under high risk merchant accounts would include, but are not confined to, Cellular Phones & Beepers, Collection Agencies, Downloading of Software, Horoscope, Fortune Tellers, Infomercials and Investment Opportunities.

Yet, some credit card processing companies, like us cater to the businesses considered high risk merchant accounts, helping them increase their revenue and sales, by giving them the ability to accept payments online.

The reasons why adult service providers are termed as high risk merchant accounts can be briefly summarized as follows:

• Due to steady increase in the sales volume and occasionally huge turnovers the risk of financial liability for the merchant account providers increases
• New entrants in the business have more chances of refunds and chargeback
• The risk of fraudulent transactions is more for adult service providers when compared to other businesses
• Poor or no credit history causes it to become challenging for adult service providers to set up a high risk merchant account

Yet, when we search online we find tons of merchants accepting payments online suggesting that while it may be challenging for adult service providers to get an adult merchant account however, it is not an impossibility.

Adult service providers intending to launch or promote their business online must have the ability to process payments online and for that they would need to find a financial processor that provides high risk merchant accounts.

High risk merchant account providers can be based offshore or in the US and provide merchant accounts and third party merchant accounts. They are specially designed for creating processes that reduces the risk factor when targeting the high risk merchant account market.

Merchant account credit card processing is required for accepting credit card payments. This not only helps you to provide your potential customers with a variety of payment options, but also adds credibility to your website.

Variety of merchant account credit card processing options
There are a variety of merchant account credit card processing options available according to different needs. These online account(s) have different cost structures accordingly.

Finding a merchant account credit card processing company
Internet merchant accounts vary from being primary to very complex ones, having all the high tech features that you may require. You need to know which account precisely will best meet your desired business needs and requirements. You need to conduct a bit of a research and window shopping to find your website or business the right kind of online merchant account(s).

Even if you are at starting off stages of you business and have no cash to start off your business, you will be able to accept online payment through credit cards. The size of your business and the investment makes no difference to you acquiring an online merchant account. Online merchant account(s) are easy to get these days, and you do not need to have a business plan to account for it.

Ecommerce transactions are possible because you can accept credit cards in your online business through internet merchant account.

The market is overtopped by a certain group of online merchant account providers and you need to shop around a bit to make a smart choice. Accepting credit cards is a feature that you must furnish your clients with or you will lose most of your clientage.

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Why your High Risk Business might have more demands

Businesses like online casinos, travel industry, pharmacies and adult service providers etc are considered high risk businesses. Merchants who own such businesses not only find banks giving them a difficult time but credit card processors also refuse to accept them easily. Those merchant account providers, like us, who are willing to take the risk and provide these merchants with high risk merchant accounts, understand the risks involved.

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Merchant Account Services :

Require a merchant account that will enable you to make secure online credit card transactions worldwide and allow you to accept multi currency? Need a merchant account that will help you boost your eCommerce business and offer you online reporting options? Want to provide your customers with the benefit of accepting major credit cards and at the same time giving them various payment options?

Whether you are an offshore merchant, own a high risk business or in need of a retail merchant account, Instabill will provide you with a merchant account that will enable you to accept credit and debit cards online. There is absolutely no hidden fee and our merchant accounts are capable of handling all kinds of high volume sales.

In today's fast paced eCommerce world providing payment processing solutions to your customers is vital. At Instabill we understand this and that is why our merchant account offers you various payment options like:

• ACH
• Direct Debit
• ELV
• Bank Wire
• Credit/Debit Card Processing

We are currently processing 25 currencies worldwide along with various payment processing services. So whether you are in Europe, US, UK, Asia, Australia or anywhere in the Panama we provide you the ability to process various kinds of currencies including:

• US dollar
• Euros
• Pounds
• Yen
• Hong Kong dollars
• Canadian Dollars
• Australian dollars and many more

We assist all kinds of high risk businesses worldwide. Our merchant account facilitates you with a secure payment gateway and virtual terminal that make your online transactions a reliable and safe experience. Cost effective eCommerce solutions and real-time processing makes our merchant account services desirable worldwide.

Setting up your own merchant account with Instabill is Simple, Hassle Free and Affordable!

Signup for a Merchant Account today!

• As it provides you with tools required to make your life easier.
• Unlike free merchant accounts, your own online merchant account is capable of taking your business into the future and helps it expand and grow.
• For a small fee you can multiply your profits!
• With your own online merchant account you will no longer have to worry about paying an annoying percentage to your credit card processor.
• Your own merchant account makes you capable of providing your customers with not only credit card processing but you can also give them the benefit of wireless processing which you can never get in with the free merchant account services.

To open a new online merchant account, you might have to pay a large setup fee as compared to a free online merchant account but you pay less per sale and there is no extra percentage that you would have to pay to the credit card processors. So getting your own merchant account is a lot better than getting free merchant account services.

There are three main types of merchant accounts available online:

Internet Merchant Accounts are used for businesses online. The website is the basis of the business and all transactions are handled therein. These merchant accounts usually have a significant amount of support and security because they are the means for the entirety of the business. Most businesses that have a website can open an internet merchant account, but it is especially helpful for those lacking a physical presence. This type of account can be opened using a form online from the merchant bank.

Online Merchant Accounts are simply accounts that are opened online. These can be opened by most businesses. Merchants that have land based stores and also have online catalog, benefit from these types of online merchant accounts because they enable the stores to receive orders online in addition to the land based activities. This helps merchants target a broader audience while retaining their regular business status.

Merchant Services are merchant accounts that also offer credit card processing software to the business owner. This type of account gives you the software that allows for batch or real time credit card transactions. Batch transactions allow for all of the transactions having taken place within a time period to be handled at once; real time transactions are handled immediately. This may raise the question in your mind, Where can I get an international merchant account?

ACH is a bit more complex. ACH stands for Automated Clearing House. ACH processing is an electronic payment system which, in this case, allows our clients to electronically debit and credit the checking and saving accounts of their customers, after these customers have granted permission.

For example, if we have a client such as an online pharmacy, and one of this pharmacy's customer wishes to pay the online pharmacy $100, then the ACH processing system will allow the pharmacy to deduct $100 from this customer's bank account after verification and only after the customer has given permission for this.

During ACH processing, usually this permission is taken when our client begins dealings with the customer. Similarly, if the pharmacy owes the customer $100, this money will be transferred electronically through the Federal Reserve Banking System to the customer's account. Hence no checks exchange hands.

This saves a lot of time, money and effort, since neither our clients nor their customers need to mail checks to each other (which would involve postage costs) and the payment processing and reporting is automated. This helps lower the risk of late payments and the resulting interest charges. Conventional invoicing is usually up to 80% more expensive than this automated system.

Apart from ACH Processing, our clients also save on:

• The clerical cost for account reconciliation
• Stop payment charges and check reissue costs. In fact, these costs are completely eliminated
• Administration and operating expenses
• Paper handling costs, called remittance processing costs, because checks are not used
• Bank service charges, which may be reduced

The transactions received during the day are not carried out on the spot. Instead, all the transactions received during the day are collected and stored, until a large number have accumulated. These are then sorted by destination and processed in batch.

This bulk processing saves both time, and since the process is electronic, paperwork. The ACH processing system is secure because it takes 2-3 days to receive information that confirms that all the transactions in the batch were valid and because, since no checks are used, there is no risk of them being lost or stolen. The money is only transferred; in the ACH processing system after this has been verified. Because of this, no guarantee is given that the payment will be made. In case of problems such insufficient funds in an account, the transaction is not carried out, and the funds are returned

One of the greatest advantages of the ACH processing system is that it offers multiple payment options.

Merchants and webmasters should be aware of the many modes of internet card fraud that occur online.

1. Skimming: One type of internet credit card fraud is skimming. This is when details on the smart chip or the magnetic strip from the card are duplicated and used online.
2. Website Cloning and Fake Merchant Sites: Dubious websites project themselves as genuine e-commerce shops and manage to extricate important credit card details from the shopper.
3. Triangulation: In this kind of credit card fraud, a merchant appears to be genuine for sometime and manages to extract card details from the shopper and then disappears from the scene without providing the product to the consumer.
4. Credit Card Generators: Sophisticated credit card software can easily be downloaded from the net. This software generates accurate credit card numbers along with expiry dates. This is the latest in credit card fraud.
5. Anonymous Credit Card Use: Card numbers not owned by the users are used by hackers anonymously to make purchases.

Taking all of the above into account, Instabill.com has positioned comprehensive fraud detection services such as SSL payment processing, 3D Secure and Advanced Fraud Screen. At Instabill we provide online fraud protection against all kinds of internet credit card fraud.<

Advanced Fraud Screen (AFS) is a highly developed real-time fraud detection service provided by CyberSource- a pioneer fraud management solutions company. Best for online fraud protection, the AFS determines the risk level attached with each order/transaction and provides an accurate fraud risk detection figure. This is highly beneficial for a merchant as it pinpoints possibly risky orders/transaction. It is then up to the merchant as to how to proceed with the transaction.

1. Spots genuine or dubious transactions in real-time
2. Analyzes more than 150 risk reasons
3. Gives back 35 in-depth reason codes
4. Permits e-commerce businesses to place risk limits
5. Works with the entire global network of credit and debit payment cards
6. Consolidates with important IT structures

1. Identifies single-event fraud
2. Generates fraud trends swiftly
3. Converts a large number of orders and transactions automatically
4. Reduces manual fraud evaluation of online credit card transactions
5. Diminishes customers' complaints about credit card frauds
6. Regulates fraud risk tolerance

Browsers using SSL have their own identities known as the digital certificate which are generally used for authenticity. These digital certificates are also used to create public keys. Encrypted server public keys are sent by the browser after initial authentication. The web server decrypts the key and a set of keys are generated that are later used by the browser and server for simultaneous negotiations. After this process a secure tunnel is created and private transmissions begin.

Although it is commonly secure, SSL can create some problems for users:

• Without its accelerators, transactions tend to become slow and SSL processing becomes sluggish
• Customers can close the browser because of slow SSL processing and switch over to another website
• Web servers are unable to handle the load at times
• Sensitive information is not transmitted properly at times and this might lead to security breach.

However, despite some drawbacks, SSL is the most secure and reliable encryption used by web browsers today.

Sophisticated and reliable, the Cybersource Advanced Fraud Screen helps in real-time fraud detection. Using the latest in advance technology, the fraud detection system used by Cybersource lessens the fraud risk by a 100%. It tends to detect fraud more quickly and efficiently and minimizes risk greatly. At times even human reviewers are needed to manually help prevent fraud, but this is a costly task. That is why many merchants now look for softwares that can take decisions in order to help prevent fraud. These softwares are capable of verifying the validity of the email from which articles are being purchased, ordered etc.

Fraud screen softwares can be expensive, depending upon the functions and size etc. Also these systems need constant updates. The major advantage of using the fraud screen system is that the merchants do not have to take decisions themselves, as most of the decisions are taken by the software.

With Cybersource fraud screen merchants can easily identify almost any fraud and do so very accurately.

How the Cybersource Fraud Screen works:

• After the customer has placed an order onto a merchant's website the merchant sends a call to Cybersource Advanced Fraud Screen (AFS)
• Based on some of the complex decisions, the fraud screen system passes the information, processes it and returns the factors to the merchant.
• After the merchant decides on a certain course of action based on the factor codes returned, Cybersource Advanced Fraud Screen sends a detailed report to the merchant.

• Cybersource Advanced Fraud Screen provides reasons behind the returned factor codes. It converts the potential transactions into sales instead of rejecting them.
• With the fraud screen merchants can also set options on which transactions should be accepted or rejected.
• Cybersource Advanced Fraud Screen System is easy to use and reliable.
• It provides regular guidance and helps increase sales and maximize revenues.

It is because of merchant account scams that almost 80% of the companies either have a slow start in the e-commerce world or fail altogether.

Companies that use merchant account scams as a mean to earn profit make sure that the merchants who fall for their scam end up paying the commission that they are supposed to pay the payment processing companies.

In order to avoid a merchant account scam you need to watch out for:

• Hidden fees - to avoid merchant account scam business owners must make sure that there are no hidden fees.
• Industry - merchants should do a through research of the market
• Free Terminal - if they tell you that there is no terminal fee, then they are wrong. They must be charging it else where.
• Hardware - research hardware in order to avoid paying huge commissions.

Hidden fees tend to include:

• Termination fees
• Cancellation fees
• Gateway fees
• Batch fees
• Licensing fees
• Retrieval fees
• Chargeback fees
• Hidden setup charges
• Over limit fees
• Bank setup fees
• Software fees
• Customer support fees
• Annual fees

Advertising is one of the ways through which most of the merchant account scam work. Many of the ads mislead the business owners into believing that there is no setup fee but later they will find out that there will be a gateway fee, software fee etc.

Many times merchant account scammers even try to justify all these charges. Business owners need to be wary of ads that might lead to merchant account scams. Merchant account scam ads may boast about:

• Minimum Prices - these companies boast about the lowest fees.
• No Setup fees - they will usually have other fees where they will charge you extra.
• Immediate Activation - after you have signed up, they might ask you for more money to transfer payments or have certain limitations on server.
• Free Merchant Account - there is no such thing! There will be hidden fees.
• Reward - be wary of ads that boast giving away cash rewards. They might just be refunding your money later and calling it a reward.
• 24 Hours Customer Service - make sure you check this out before signup. Merchant account scammers will not have this service.

• Read - Merchants must never forget to read the fine print on the websites and in the agreements before signing up.
• Inquire- they must not forget to call the 800 numbers and make appropriate queries.
• Research - Business owners must conduct a through research for the validity of such deals and industry.
• Discuss -in order to avoid merchant account scam, business owners need to talk to someone who has had years of experience in the same field.

If it seems too good to be true then it's probably a merchant account scam!

At Instabill we understand the hassle that fraud can create and that is why we have the best online fraud protection system for our merchant accounts. Our online fraud protection services are exclusively provided by MaxMind. With their latest online fraud protection technology and tools they are the renowned industry leaders for online fraud protection, providing reliable and dependable online fraud protection services worldwide.

MaxMind is helping merchants all over the globe achieve online fraud protection and preventing fraudulent cases from online payment transactions to surface. Their comprehensive fraud screening system makes accurate detection and automatic fraud protection possible. Over 6000 e-commerce businesses internationally are benefiting from their minFraud services, making online transactions and networking secure.

With Instabill merchant accounts you get online fraud protection so that customers feel more confident while making transactions online. With a payment processing terminal merchants become capable of processing transactions online and a reliable payment gateway makes it all the more secure and safe. Apart from that there are also various tools available which we as your merchant account provider will offer you that will ensure online fraud protection for you and your customers.

A few ways to ensure security include calling up the support center if you want to confirm the authenticity of any emails or offers that you think that you might have received from your bank or processor. It is also wise to double check for suspicious overnight orders. The fraud rates are particularly high in the East European and Russian countries and you need to make sure that your merchant account provider offers you online fraud protection internationally.

With the fraud techniques becoming more sophisticated with time, merchants and consumers who make online transactions find it hard to control the fraudsters who might attack at any moment. Traditional fraud protection tools no longer seem to work against the more clever fraudsters. Fraudsters can obtain your personal information and credit card numbers, posing as authentic owners and without the latest technology they will be able to bypass the usual fraud checks and leave you and your business in jeopardy. That is why you need an online fraud protection service that can make out the authentic and legitimate owner.

We offer you the most sophisticated online fraud protection for your merchant accounts. With MaxMind's online fraud protection and scam control services we have added extra protection for your merchant account and therefore your business. With MaxMind your will get an additional protection, making your transactions safe and secure. Their tools are able to detect and identify authentic card user and prevent fraudulent cases. Your e-commerce business processes and accepts transactions in a secure environment where you can be sure about reliable payment processing. Now you no longer have to go through the hassle of checking and re-checking any email or scam for fraud. With the additional protection of MaxMind you can be sure about secure and reliable processing and become capable of serving your customers in a safe environment.

• Debit Cards - merchants would prefer a credit card terminal that accepts debit cards along with credit cards.
• Customers PIN number - in order to complete a debit card transaction merchants also require the customers to enter their PIN (Personal Identification Number). A credit card processing terminal that can provide customers a secure way to enter their code is the best kind.
• Gift Cards - merchants need to decide in advance the feature that allows the issuing and accepting of gift cards. However, not all credit card terminals provide this option.
• Phone Cards and EBT - if a merchant wants to offer phone and electronic bank transfers then he must make sure in advance that his credit card processing terminal also offers this feature.
• AVS - in order to provide additional security and to cut down on fraud most credit card terminals also offer address verification system, make sure that you buy only such terminals.
• Reliability - reliable credit card terminals are obviously preferred by the customers. A good terminal offers a MCBF and MTBF in 2 to 4 million transaction range.
• Terminal Memory - a 256k memory of the credit card processing terminal can hold about 1000 transactions. Transactions can be stored in the terminal’s memory for later verification.
• Flash Memory - flash memory is used to store software that runs the terminal. This additional feature of the credit card processing terminal allows system updates to be easily downloaded and installed, providing a longer life to your credit card processing terminal.

• Boost Sales - once merchants start accepting credit cards online their sales tend to increase by 75%.
• Real-time - online credit card processing allows real-time internet facilities to accept credit card payments and to make online transactions.
• Cost Effective - with online credit card processing facility merchants gain the ability to commence online credit card processing. Now they no longer have to go to the bank to deposit checks.
• Secure Servers - at Instabill we offer secure servers so that merchants and customers feel more confident when buying and selling products online.
• 24 Hours Technical Support - Unlike other online credit card processing services, Instabill provides 24/ 7 technical support and customer service facility.
• Security - we offer credit card fraud protection because we understand that it helps increase your confidence in online business. Online fraud protection also helps you minimize the impact of frauds on your business.
• Shopping Carts - without this facility your online credit card processing service is nothing. Shopping carts allows the customers to keep track of their purchases.
• Payment Gateway - It automates the transactions between the customer and the merchant. Payment Gateway is a system that processes verifies and accepts the credit card transactions on behalf of the merchant. Business owners are able to accept all kinds of electronic payment through secure internet connections.
• Virtual Terminal - Virtual terminal is a service that allows manual processing of credit card transactions through means of electronic connection.
• Credit Card Processing Tools - Apart from providing online credit card processing services, merchant account providers also offer their clients with certain tools that can help them in getting better online credit card processing. Online credit card processing software is one such tool.
• Expand your Business - online credit card processing allows merchants to expand their business beyond their region. With this facility they become capable of making credit card transactions and accepting payments from around the globe.

With credit card processing softwares merchants can now use their personal computers to process major credit card transactions and deposit payments to their accounts.

• Cost Effective - Credit card processing software not only help the merchants save time but also money
• Better Performance - These softwares include great features which contribute to better performance
• Transaction Details - Credit card processing softwares generate detailed transaction reports that terminals fail to provide
• Improved Software - As they can be upgraded time and again the credit card processing software do not become outdated

Credit card processing software packages offer many facilities, like easy to use features etc. Some of these softwares also provide a lifetime technical support. From credit card payments to checking ACH transactions, these credit card softwares offer secure ways to handle transactions on your computer.

With credit card processing software merchants can now import files and get automatic upgrades for free. Credit card softwares are now user friendly which makes them a perfect choice for small business merchants as well. For some of these softwares, merchants don't even require internet connection to send transactions, as they can be handled via phone line and modem.

Merchants should pay attention to what the companies are charging for credit card processing software, in order to save themselves from losing money. These software prices may vary from company to company. When buying a credit card software make sure that you know of all their terms and conditions or you may end up paying thousands of dollars.

Also not all credit card processing software's are able to connect with the processing center's computer. Before buying any credit card software, the merchants must therefore be aware of the features it provides.

Accepting credit cards is however, not possible without a credit card terminal. Whether it is a wireless credit card terminal or not it allows merchants to print receipts, track credit/ debit card sales and provide terminal details. These credit card terminals are used for face-to-face transactions.

The merchant swipes the client's credit card into the terminal machine and the information is submitted into the terminal for processing. This is a very cost-effective method and in the advanced eCommerce world of today a business stands nowhere without it.

Credit card terminals are also called the POS (Point of Sale) machines.

Finding the right kind of terminal machine for your business is crucial. For those merchants whose sales extend beyond a single location, a wireless credit card terminal machine is the best.

There are 3 basic types of credit card terminals:

1. Traditional or Conventional Terminals: These generally have a small display screen, a keypad and a magnetic stripe reader. Traditional credit card terminal machines help save money and time and are also known as physical terminals.
   
   
2. Wireless Credit Card Terminals: Exceptionally beneficial for mobile businesses, wireless credit card terminals help increase efficiency as merchants become capable of accepting credit cards from temporary locations. They even have built-in printers for ease. Small and reliable, these wireless credit card terminals are uncomplicated and simple. However, the wireless credit card terminals can become an unnecessary expenditure for those who don't really require them and are easy to lose as they get carried around more.
   
3. Virtual Terminals: For merchants who use phone, fax and internet more, in order to conduct business, traditional credit card terminals are not the right solution. In such cases the merchant account providers like Instabill tend to provide business owners with a virtual terminal and softwares to handle credit card transactions.

Whether it is a wireless credit card terminal or a traditional, you cannot accept credit cards without a terminal machine.

With the fast paced world of eCommerce it has now become essential that your merchant account has online credit card processing services otherwise you will be denying your business some significant profits.

We, like many reputable companies offers merchant accounts with online credit card processing. Whether your business is big or small, in order to accept payments online we know that you need credit card processing services with your merchant accounts.

Once you sign the contract and pay the regular fee for using the services provided alongside your merchant account, you will be provided with various tools necessary to successfully start your online credit card processing.

Before setting up a merchant account there are certain terms that a merchants needs to be aware of in order to completely understand the process.

• Merchants must know that a payment gateway is an online credit card processor that provides a way from the customer's credit card account to the business owner's online merchant account. It verifies the customer's account information in order to help transfer the funds to their bank account.
• Another term important for understanding online credit card processing is funds capture. In this process a transaction deposit is made on a certain business's merchant account.
• The term settlement means when the funds from a credit card account are transferred to an online merchant account.

In order to boost sales it is important for a business to have an online merchant account. If a business does not have a merchant account, it not only lacks behind in providing its customers with online credit card processing services but also loses 75% of sales.

Apart from providing online credit card processing services, merchant account providers also provide their clients with certain tools that can help them in getting better online credit card processing. Online credit card processing software is one such tool.

• Generally PCAuthorize, MacAuthorize and IC Verify are the most used softwares that are required for online credit card processing.
• Certain softwares for instance Kickstart Cart, give a more convenient option to the merchants of installing shopping cart on their website, allowing the customers to keep track of their purchases. When it come to providing online credit card processing services, business owners must try and use this software more, as it is feasible and easy to use.
• Some software allows the customers to make online purchases. However, when choosing software for their website the merchants need to make sure that it is user friendly and will make purchasing convenient for their customers.

Merchants should try and provide their customers with tools for online credit card processing services that will help not only help the customers in credit card processing but will also make accepting credit card payments a lot easier for the merchants. This in return will boost sales and earn profit!

International credit card processing saves you and your customers from a lot of hassle and helps provide you with various benefits. Once your business starts accepting online credit card payments you will notice an instant increase in sales. With international credit card processing you will be able to offer your customers with secure real-time processing facilities along with cost-effective solutions and make them capable of commencing credit card processing worldwide. Secure and encrypted servers make the customers and merchants alike, feel confident while making online transactions.

International credit card processing allows multi-currency credit card payments, enabling merchants to process transactions worldwide in various currencies. eCommerce businesses are able to expand their businesses beyond the geographical boundaries and get potential customers from all around the globe by offering their customers international credit card processing services.

Your merchant account provider will offer you online fraud protection along with international credit card processing, aiding you to minimize the impact of fraud on your eCommerce business. Virtual terminals and reliable payment gateway help process all electronic transactions through secure connections. Along with international credit card processing services your merchant account provider should also provide you with certain tools that will help you in making secure transactions. With international credit card processing you are able to take your business beyond the geographical limits and accept payments from all around the globe. Instabill also offers risk management techniques enabling your business to succeed in the eCommerce world.

Many businesses feel reluctant about accepting international credit card payments due to security reasons. Processors and online businesses do not feel secure with all the potential fraud threats on the internet and accepting international payment can be a risky business. But with an international merchant account provider like Instabill you do not have to worry about fraud threats and credit card scams. Our international credit card processing comes with credit card scam and online fraud protection services. We offer you the best fraud protection service there is with MaxMind, enabling you to processing transactions in a secure and protected environment. With recurring billing option, online reporting, 24/7 customer and technical support and multi-currency processing Instabill merchant accounts are trusted and preferred worldwide.

In ACH processing, the settlement is the actual transfer of the funds to the various financial intuitions that are provided by the Federal Reserve Bank. The net debit and credit information of these intuitions are then calculated and posted to the reserve accounts. ACH credits are generally delivered within 5 business days.

ACH processing provides a secure and private electronic payment transfer system that connects almost all the financial intuitions of the U.S. It is not just a faster option but is also hassle free and provides a cheaper alternative for the eCommerce businesses. More and more eCommerce businesses are becoming dependent on the ACH processing system for their activities, allowing it to evolve further. Your bank, financial institutions and merchant account provider can help you setup an ACH process. A few basic benefits of an ACH processing system are its cost effective solutions and faster services. It makes you and your company of gaining a quick cash flow with a more flexible structure.

ACH Processing offers a reliable and secure electronic payment system, providing hassle free and time saving solutions for your business. With ACH processing network you can check your debit/credit and savings accounts electronically. The simple and secure tools provided make payments easier for your business. This processing system is generally valid only for the US.

There has been an impressive increase in the use of ACH processing since the past 10 years and the percentage of its users keep increasing on annual basis. More and more customers feel comfortable with ACH processing network and electronic transactions, whether it’s direct debit or direct deposit, due to its agility and convenience, providing your eCommerce business with a substantial amount of money.

With checks and credit cards you have to pay a certain charging fee and they can also get stolen or lost. ACH processing has no such hassles. Many companies now prefer ACH processing as it allows them to set up recurring debits and payments automatically. Over 12 billion transactions are now processed electronically per year around the globe with ACH processing and customers and businesses feel more comfortable with it than using other means.

We provide hassle free and integrated ACH processing services with our merchant accounts. Offering risk management, reliable payment gateway, 24/7 customer support and various payment processing options with other services. Our merchant account services also offer online reporting facilities along with recurring billing option. With Instabill as your merchant account service provider you do not need to go anywhere else, we handle all kinds of businesses and provide various types of merchant accounts. From International Merchant Accounts to Offshore Merchant Accounts and High Risk Merchant Accounts, we have the cost effective solutions for your eCommerce business.

Apart from being a better alternative for checks and credit cards, ACH payment processing is allowing millions to expand their online payment options and customer base helping to increase potential customers. Electronic payment processing is now taking the world with storm with many people out there who are still either credit card-less or reluctant to use them. ACH payment processing offers a safer and a much more reliable way to make a significant impact in the market.

The Federal Reserve Banks are the collective automated clearing house operators, processing almost up to 80% of transactions. ACH payment processing is a great payment option for consumers as it is reliable and secure as well as more convenient than any other payment method. More and more businesses are now turning to ACH payment processing for its varied benefits, which include:

• Cost effective solutions
• Time saving processing
• Convenient and Reliable
• Accelerated fund availability
• No late fee needed
• No postage necessary
• Improved Cash Management
• Protection for Credit Rating
• Integrated Processing

With rapid developments in technology, now more businesses can enjoy the benefits of e-commerce and save both time and money. ACH payment processing provides you the many benefits of electronic funds transfer. Since the 90's over 15 billion transactions have been made yearly and the numbers keep increasing every year. ACH payment processing has gained consumer trust and businesses feel more confident while using it for both credit and debit deposit.

Checks are prone to getting stolen or lost and with credit cards you end up paying fees to the card company. That is where ACH payment processing is far better! With ACH payment processing your business can enjoy the convenience of the electronic funds, transfer at cheaper price along with setting up recurring debit payments, than those offered by the traditional payment methods. ACH payment processing is easy and simple. It’s low in cost and allows companies to save money and helps streamline their payment process. ACH payment processing networks process through a financial institution and so you need a third party that offers software to establish an agreement with these financial institutions to route transactions. With a merchant account provider that offers ACH payment processing, you do not need to worry about all that.

ACH processing provides an accelerated availability of funds and the funds are processed, cleared and deposited to your account within 5 business days. There is no longer any need to run to the bank or stand in the line to deposit checks, as ACH payment processing offers cost effective solutions that help reduce check and credit card associated costs. The improved cash management allows better organization of the corporate funds and ACH payment processing make you capable to manage your ACH payments and returns through a single secure portal.

Our merchant accounts have ACH payment processing integrated in them. With a reliable and secure gateway and virtual terminal, the conjunction of the ACH payment processing network helps process the transactions safely and efficiently along with recurring billing facility. Seemingly another payment processing method, ACH payment processing is the most secure and fast service available today.

We provide you with merchant accounts that offer ACH processing. Our ACH processing software is affordable and customized allowing providing you the benefits of secure electronic funds transfer.

Setup during the 1970's, ACH processing is a solution for the large number of checks being processed on regular basis. Initially it was the large companies and major establishments who started using it but with the development of affordable new software, ACH processing became accessible to a broader spectrum in the business world. To route transactions it is, however necessary that the selected software for the ACH processing network holds an agreement with some financial institution.

ACH processing allows businesses to collect recurring payments without waiting for a physical check. The transfer of funds is accomplished electronically once the customer authorizes the electronic debit. The ACH transactions are not processed immediately but take up to 2 to 3 days to be confirmed and validated.

There are two forms of e-payments by which money can be transferred:

1. Wire transfer and
2. Automated Clearing House (ACH Processing)

Designed to handle time-crucial payments and high-dollar between large banks, Wire transfer is an electronic payment system that allows payments to be processed electronically.

Unlike the wire transfer, ACH processing allows high volume payments to be processed hassle free and without any settlement issues, processing transactions within a couple of days. The ACH processing files received daily from member banks are sent to the clearing house and are later divided by the originating and the paying bank. The credits, deducts and accounts are then totaled and processed accordingly.

At AdultMerchantAccount.us we provide merchant accounts with ACH processing. Our flexible software is not only easy to use and secure but it also gives a safe access to ACH processing. The transactions you make with ACH processing are cheaper and less expensive than the ones you make by using credit cards.

Payment processing basically depends on the number of transactions your business performs and your business needs. It is generally of two types, manual and real-time. Offering real-time processing requires a payment gateway that can authorize the credit card number in real-time as compared to the manual processing which takes longer and cannot be done anywhere and anytime like real-time processing.

Certainly manual processing is good when it comes to low volume merchant accounts and businesses. The order can simply be received via phone, fax and email (to be processed manually later), by a payment processing company to verify a card number or generally by using a swipe card point of sale terminal. The major disadvantage is the time consumed during this process.

Real-time processing is preferable over the manual due to its speed and agility. The credit card is automatically processed as soon as the order is submitted and an immediate notification is then received by the customer regarding the acceptance of order and fund transfer. Real-time processing is the best for high volume sales and the servers used are generally encrypted and secure.

Real-time processing offers a secure way for merchants to process their payments online. With real-time processing you become capable of processing transactions anywhere and anytime. Real-time processing is the best option that you can get with a merchant account. This allows you to offer your customers worldwide payment processing services that allow you to accept various credit/debit cards online.

With real-time payment processing you not only get to save time but it also eliminates any manual processing needs, reducing the risk of potential fraud and offers greater protection. With a merchant account you get a more flexible real-time payment processing options that you normally don't get with a third party merchant account or an outsource.

That is why businesses worldwide prefer real-time processing and so should you!

Although online pharmacy is one of the most lucrative online business ventures with consistent increase in volume capacity and profit margins, online pharmacy merchant accounts necessitate the information advice: Online transactions cannot take place for every drug.

Instabill believes that a vigilant, cautious and alert merchant will make a well-informed business transaction. Consequently, Online Pharmacy Merchants need to be aware that due to certain restrictions we are unable to process all the drugs.

Following is a comprehensive alphabetical list of the drugs that Instabill cannot process for:

• A2
• Acid
• Actiq
• Angel Dust
• Anorectic Drugs
• Barbiturates
• Beautiful
• Benzodiazepines
• Blotter Acid
• Blue Mystic
• Boat
• Bromo
• Buprenorphine
• Butorphanol
• BZP
• Candy
• Cannabis
• Cat Valium
• CCC
• Chloral Hydrate
• Codeine
• Coke
• Crack
• Depressants
• Dextropropoxphene
• Dilaudid
• DM
• Drug Classes
• Duragesic
• DXM
• Easy Lay
• Ecstasy
• Fentanyl
• Foxy
• Foxy Methoxy
• Flunitrazepam
• Georgia Home Boy
• GHB
• Glutethimide

• Goop
• Hallucinogens
• Hashish
• Hashish Oil
• Hydrocodone
• Hydromorphone
• Inhalants
• Khat
• Kit Kat
• LAAM
• Legal E 
• Legal X
• Liquid Ecstasy
• Liquid X
• Lortab
• LSD
• MDMA
• Maria Pastora
• Meperidine
• Meprobamate
• Mescaline
• Methadone
• Methcathinone
• Methaqualone
• Methylphenidate
• Morphine
• Narcotics
• Nexus
• Opium
• OxyContin
• Palladone
• Paracodine
• Paraldehyde  
• Paral
• PCP
• Pentazocine
• Percodan
• Peyote
• Phencyclidine

• PCP
• Predatory Drugs
• Psilocybin
• Psilocyn
• Ritalin
• Robo
• Rock
• Rohypnol
• Rojo
• Salvia
• Salvia Divinorum
• Shermans
• Snow
• Special K
• Spectrum
• Spirals
• Stimulants
• Supergrass
• T7
• Thebaine
• Tic Tac
• Toonies
• Triple C
• Tripstay
• Tweety-Bird Mescaline
• Tylox
• Talwin
• Two’s
• TwoC-B
• Tryptamine
• Ultram
• Velvet
• Venus
• Vioxx
• Vicodin
• Window Pane
• XTC
• Zoom

These FDA approved drugs and prescription medicines belong to different and diverse categories such as men’s health, weight loss, anti-allergy, women's health, muscle relaxants, pain relief, skin treatment, cholesterol management and many others.

Alcohol: It is not easy to treat alcohol abuse only with counseling and therapy. Drugs can be an added effective means to treat this affliction.

• Antabuse
• Revia

Analgesics: Instabill is involved in the processing of analgesics that are effective in dealing with pain that could arise due to an arm fracture or a broken nose or a frost bite or any other painful condition.

• Analgilasa (Codeine / Caffeine)
• Butalbital-APAP Fioricet (Generic)
• Celebrex
• Celebrex (Celecoxib)
• Esgic Plus
• Fioricet
• Frenadol (Dextromethorphan with Chlorpheniramine)
• Gelocatil Codeine 30/650 mg
• Imitrex
• Imitrex (Imigran, Sumatriptan)
• Motrin (Generic)
• Naproxen
• Sumatriptan
• Tramadol
• Ultracet
• Zomig (Zolmitriptan)

Antidepressants/Stress Relief Pills: Sometimes stress takes on such a debilitating physical condition that it can render a person mentally and physically incapacitated. These stresses can take the form of anxiety attacks, insomnia or panic attacks. Our pharmacy account merchants can easily supply stress relief medications online through a hassle-free process put in place by Instabill.

• Anafranil
• Buspar
• Celexa (Cipramil)
• Celexa (Generic)<
• Duloxetine
• Effexor
• Effexor XR
• Elavil (Generic)
• Fluoxetine (Generic)
• Fluoxetine (Prozac)
• Lexapro
• Lexapro (Cipralex)
• Paroxetine
• Paxil (Generic)
• Paxil CR
• Prozac (Brand)
• Prozac (Generic)
• Remeron
• Wellbutrin (Generic)
• Zoloft
• Zoloft (Sertraline Edigen)

Anti-Allergy Drugs: We deal in the fast processing of anti-allergy drugs that deal with complications arising from food allergies, sinusitis etc.

• Advair Diskus
• Allegra
• Allegra-D
• Clarinex
• Flonase
• Montelukast
• Nasacort
• Nasacort AQ
• Nasonex
• Patanol
• Salagen
• Zyrtec

Anti-Viral Drugs: Antiviral drugs are used primarily for viral infections. These drugs work by successfully disturbing the viral replication process. Instabill features these drugs and quickly processes them for its pharmacy merchant account holders.

• Tamiflu

Antibiotics: Used to treat all kinds of bacterial infections, these following antibiotics are featured by our online pharmacy merchant account holders.

• Amoxicillin
• Buspar
• Cipro
• Ciprofloxacin
• Clarithromycin
• Doxycycline
• Tetracycline
• Valtrex (Valaciclovir)
• Zithromax
• Zithromax (Azithromycin)

Antiaging: In addition to ingesting vitamins and supplements, some antiaging drugs are quite beneficial in longevity and endurance.

• Alphaquin HP
• Melanex
• Antiparasitic
• Albenza
• Elimite (Generic)
• Elimite
• Eurax
• Vermox (Generic)
• Vermox

Arthritis: Instabill and its pharmacy merchant accounts sell arthritis drugs to treat this agonizing inflammatory disease.

• Colchicine
• Naprosyn
• Naprosyn (Generic)
• Zyloprim
• Zyloprim (Generic)

Birth Control: Birth control pills have come a long way. Now women can discreetly and conveniently purchase a wide variety of pregnancy prevention drugs online from our pharmacy merchant accounts.

• Alesse
• Alesse (Generic)
• Mircette
• Ortho Evra
• Ortho TriCyclen
• Ortho TriCyclen (Generic)
• Ortho TriCyclen Lo
• Seasonale
• Triphasil
• Triphasil (Generic)
• Yasmin

Blood Pressure: Hypertension or high blood pressure is one of the most common diseases that is afflicting the general population. We carry a limited number of drugs through our pharmacy merchant account providers.

• Aldactone
• Norvasc

Cholesterol Medicines: These are medications that will lower cholesterol levels if they are dangerously high and make it manageable especially when diet and exercise are ineffective. Instabill features the following prescribed cholesterol medicines.

• Crestor
• Lipitor
• Zocor

Hair Loss: There is no doubt that Hair is the crowning glory and most people would agree with this adage. Propecia is the only drug (FDA approved) that is used in the treatment of male pattern hair loss.

• Propecia

Heartburn Relief: The panel of our pharmacy merchants provides the following heartburn relief drugs which if coupled with right nutrition and exercise can lead to permanent cure of this embarrassing predicament.

• Aciphex
• Bentyl
• Bentyl (Generic)
• Nexium
• Prevacid
• Prilosec
• Prilosec (Generic)
• Ranitidine HCL

Men'S Health Medications: With men being discreet about their health, an online pharmacy merchant provides them the assured and secure anonymity of buying medication over the net. These medications are characteristic and specific to men’s health issues such as heart disease, impotency, prostate cancer, STDs and others.

• Cialis
• Levitra
• Lipitor
• Propecia
• Proscar
• Viagra
• Viagra (Sildenafil Citrate)

Migraine Relief: These drugs lessen the aches and discomfort due to migraine attacks.

• Esgic Plus
• Fioricet
• Imitrex

Motion Sickness: Motion sickness drugs are helpful in mitigating its common symptoms like nausea and vomiting.

• Antivert
• Antivert (Generic)
• Meclizine
• Transderm Scop

Muscle Relaxants: We process different brands of muscle relaxants that are commonly prescribed for backaches and other muscle aches.

• Baclofen, Lioresal
• Carisoprodol
• Carisoprodol (Mio-Relax)
• Carisoprodol / paracetamol (Relaxibys)
• Cyclobenzaprine
• Fioricet Brand
• Flexeril
• Flexeril, Yurelax (Cyclobenzaprine)
• Skelaxin
• Soma
• Zanaflex

Sexual Health Medicines: Our pharmacy merchant clients assist patients in the easy purchase of sexual health drugs. These drugs help in combating diseases and conditions like herpes, sexual dysfunction, STDs and infertility.

• Acyclovir
• Aldara
• Aldara Cream
• Condylox (Gel)
• Condylox (Generic)
• Condylox (Solution)
• Denavir
• Famvir
• Valtrex
• Zovirax

Skin Medication: Skin-related problems are very common in the general population and are thus regularly bought online. We have a fast and secure process for our online pharmacy merchant clients.

• Aldara
• Aphthasol
• Atarax (Generic)
• Cleocin-T Gel
• Diprolene AF
• Dovonex
• Elidel
• Gris-Peg
• Kenalog
• Kenalog (Generic)
• Kenalog Aerosol
• Lamisil Oral
• Nizoral
• Nizoral (Generic)
• Penlac
• Protopic
• Renova
• Retin-A
• Retin-A (Generic)
• Sumycin
• Synalar (Generic)
• Synalar Cream
• Temovate
• Temovate (Generic)
• Ultravate

Sleep Aids: If used carefully, sleep aids are effective in the treatment of insomnia and other sleeping disorders.

• Ambien
• Diphenhydramine (Soñodor)
• Doxylamine (Dormidina)
• Rozerem
• Sonata

Stop Smoking: Not all of us have a strong will power and the discipline required to quit smoking. Thus these drugs are at times successful in helping us to give up smoking.  

• Zyban

Weight Loss Medications:  These prescribed medicines are specifically for those patients whose weight puts them at an increased risk of medical and health dilemma. When used in combination with some kind of moderate physical activity, these medications are highly effective.

• Adipex
• Diethylpropion
• Meridia
• Phentermine
• Xenical

Women'S Health Medicines: We are involved in the quick and safe processing of prescribed women’s health medicines. These health medicines relate mainly to high blood pressure, arthritis, ovarian cysts, varicose veins, yeast infections and others.

• Arimidex (Anastrozole)
• Clomid (Clomiphene citrate)
• Detrol LA
• Diflucan
• Estradiol
• Evista
• Fosamax
• Levbid
• Microzide
• Microzide (Generic)
• Nolvadex-D (Tamoxifen)
• Ortho Evra
• Ortho Tri Cyclen
• Premarin (Estrogen)
• Renova
• Retin-A
• Vaniqa

Other: Besides the above categorized drugs, Instabill also allows the customers to purchase the below mentioned medications via its panel of pharmacy merchant accounts.

• Arimidex (Anastrozole)
• AXURA / MEMANTINE
• Clomid (Clomiphene citrate)
• NAMENDA
• Nolvadex-D (Tamoxifen)
• Premarin (Estrogen)

This is the reason why offshore or online pharmacy merchant accounts providers think twice before furnishing online pharmacy owners with online pharmacy merchant accounts. such online pharmacies are termed as "high-risk" in the eyes of merchant service providers. another reason why online pharmacies based within the states cannot readily obtain pharmacy merchant accounts is simply because they are not of american origin.

Though an overseas-based online pharmacy may promise a high volume of sales to its owner, it does have its equal share of disadvantages. one such disadvantage arises from the sheer fraudulent credit transactions carried out by two-faced customers and suppliers. the world wide web is full of those sharks just waiting to get a chunky bite out of your wallet through fraudulent means. you need to be equipped with the ability to accept credit cards in the most cost effective fashion possible. you will also need to seriously think about equipping your pharmaceutical website with a credit card processing system that will not only save on the cost of online credit transactions, but also spy on downright fraudulent activities. the only way to achieve this is to get hold of an internet or offshore pharmacy merchant account.

The days of browsing tirelessly through those god-forsaken search engines for online/offshore pharmacy merchant accounts are long gone. consider yourself to be one of the fortunate ones. the internet is brimming with pharmacy merchant account providers. there are pharmacy merchant account providers issuing tailor made internet pharmacy accounts to meet the needs of individual online pharmaceutical businesses.

By applying for an online or internet pharmacy merchant account, one has the advantage of reducing the processing rates of his/her online transactions big time. you will be surprised when you start gaining a relatively high boost in pharmaceutical sales. however, it can be handled conveniently. online or internet pharmacy merchant accounts, as they are alternatively known by, can now take care of your increased credit card transactions. most internet pharmacy merchant accounts now come along with complete account management, and a virtual based terminal to supervise on the online credit processing transactions.

We make sure that your pharmacy merchant account is integrated with the most secure gateway. Online pharmacies are now considered high risk businesses, owning to the added risk factor of high volume sales and potential chargeback, refunds and fraud involved.

Online pharmacy merchant accounts allow the business owners to operate high risk credit card processing online and carry out transaction via the internet, mostly through a secure virtual terminal. Merchants tend to use Shopping Carts on their websites to process payments.

Since the failure and success of an online business largely depends upon the acceptance of credit cards and getting secure online payments, getting the best merchant account deal can turn out be quite a hassle. That is why Instabill provides you with the perfect solution for all your high risk credit card processing needs for the online pharmacy accounts. And this is as good as it gets!

High risk business owners tend to face a hard time getting approvals for credit card processing mainly due to high risks of potential chargeback and refunds. Instabill offers merchant account services that accommodate high risk businesses like online pharmacies etc. We offer fraud screening system and secure servers to our clients to reduce chargebacks, thus making your pharmacy merchant account more secure.

Online pharmacies are one of the fastest growing high risk businesses and as a result high risk credit card processing has become far more important now.

• Real-time Payment Processing- information exchange on credit card transaction between customers and the merchant's payment processor.
• Secure Transactions - Secure SSL servers give additional security to merchants.
• Reliable Virtual Terminal - Allows manual processing of credit card transactions through means of electronic connection. Also allows reporting, authorization and processing through secure server.
• Recurring Billing - used for recurring transactions.
• Fraud Protection - We provide you with proper security tools against online foreign threats.
• No High Volume Restrictions - With our high risk merchant accounts for online pharmacies, you do not have to worry about chargeback and refunds. Grow your business as you like and worry absolutely 0% about volume restrictions.
• Cost effective solutions - Instabill offers real-time credit card processing along with cost effective solutions and risk management techniques.
• Online Reporting - Merchants can view transaction reports online.
• High Risk Credit Card Processing - Instabill provides you with the perfect solution for all your high risk credit card processing needs for the online pharmacy accounts.
• 24/7 Customer Care and Technical Support - Our 24/7 technical support builds customer confidence.
• Acceptance of all kinds of Credit Cards - from MasterCard and Visa to various other kinds.

Merchants can now apply for pharmacy merchant accounts and instantly set up their business to go online.

Many merchant account providers charge unnecessarily high fees for gaming merchant accounts. We realize the importance of your business and that is why we offer high risk offshore merchant accounts for casino/gambling, adult, pharmacy, travel and other such businesses.

Our casino/gaming merchant accounts offer:

Safe Transactions - we offer our offshore casino merchant account customers various solutions for their transaction processing.  Negative databases with customer card holders spending habits and trends, address verification, and CVV2 authentication.

Protection against Fraud - at Instabill we have the best tools that provide protection against fraud and credit card scam.

Credit Card Processing Tools and Software - gaming merchant account holders can now use their personal computers to process major credit card transactions and deposit payments to their accounts.

Cost Effective and Real Time Processing Solutions - our offshore casino merchant accounts offer real-time and cost effective solutions that help save your time and money.

Secure Servers - gaming merchant account holders, like other high risk merchants have secure SSL encrypted servers that provide extra protection to customers against all kinds of scam and fraud.

Online Reporting - casino merchant account holders, like other high risk merchant account customers can view transaction reports online.

Secure Virtual Terminal and Payment Gateway - our payment gateway provides users with a virtual terminal that allows hosting terminals for multi-user networking and merchants can login to a website, process credit cards and perform authorizations through secure servers.

Online Shopping Cart - casino merchant account holders can integrate the online shopping cart service on their websites.

Online Technical Support - we give our customers a 24/7 online technical and customer support.

Credit/ Debit Card Acceptance - offshore casino merchant account holders can accept all kinds of credit and debit cards like MasterCard, Visa etc.

Our company specializes in offshore casino merchant accounts as well as in other high risk merchant businesses, because we understand the importance of your business!

Internet Gambling merchant accounts online are taken as high risk accounts. The risk factor involved in gambling merchant accounts is high, as a lot of money is at risk in this business.

Vendor categories related to gambling are those of hotels, food, beverages, wardrobe, construction, security, surveillance, designing, decoration, advertising, marketing, publications, video and audio, telecommunications, management, lighting, displays, gaming equipments and supplies, amusement, entertainment, and other events.

The distrust in casinos and the online gambling industry has created problems for it. Companies do not trust the people involved in the business of gambling, as there are risk factors associated with them. As electronic cash can be used in many illegal activities, most companies avoid doing business with gamblers.

Managing a gambling account is very important, as it involves transactions of huge sums every day. Even the slightest mismanagement can result in major losses.

For acquiring a gambling merchant account, a gambling license is a must. If one does not have a license, the companies have offshore partners who can provide help in getting an offshore gaming license.

It is a bit difficult to get an internet gambling merchant account because of the lack of reliability and trust in the gambling industry. However, once it is secured, it can help a lot in elevating the amount of business that one can do through a merchant account.

However at Instabill.com we understand the risks involved and that is why along with a travel merchant account we also provide our clients with the best online credit card processing facility and fraud protection.

For a high risk business like the one related to travel industry, Instabill offers many facilities. Our travel merchant accounts offer:

• Online Credit Card Processing - with our online credit card processing facility merchants are able to process credit cards online. Now going to the bank to deposit checks is no longer an option for our high risk merchants.
• Real-time Processing - our travel merchant accounts have the advantage of providing merchants with real-time payment processing facility.
• Online Shopping Cart - we also provide online shopping cart solutions for your website.
• Risk Management and Cost Effective Solutions - we provide our customers with risk management techniques and cost-effective solutions for our travel merchant account clients.
• Secure Processing - now merchants no longer need to fret about security and safety. At Instabill we provide secure SSL servers and reliable state-of-the-art fraud protection tools.
• No High Volume Restrictions - merchants can expand their business without any worry about chargeback and refunds with our travel merchant account.
• Credit Card Acceptance - we accept all major kinds of debit/credit card, be it MasterCard or Visa!
• Online Reporting - our travel merchant account holders can view transaction reports online.
• Reliable Virtual Terminal and Payment Gateways - the virtual terminal and gateways provided by Instabill are secure and reliable with topnotch protection.
• Multiple Currency Processing - Our basic feature is the ability to process different kinds of currencies, like US dollar, Euros, Pounds, Canadian Dollars, Australian dollars, Yen etc.
• Electronic Payment Processing - we offer processing services not just for credit but also debit cards and bank wire transfers.
• Lowest Rates - we offer reliable travel merchant accounts at the lowest available rates with the best security.
• 24/7 Technical Support - our customers are given a 24/7 technical support and customer care.

Merchant account providers must provide merchant account holders with high risk credit card processing facility along with tools for online credit card processing services that will help not only the customers in credit card processing but will also make accepting credit card payments a lot easier for the merchants. This in return will boost sales and earn profit. And it gets even better!

The travel industry is now considered as a high risk business, owing to the added risk factor of high volume sales, potential chargeback, refunds etc. At Instabill we have installed advanced fraud protection systems on our secure servers so that chargeback claims are minimized.  Additional features of our high risk credit card processing services for travel merchant accounts include:

• Boost in Sales - once merchants start accepting credit cards online, with our travel merchant account, their sales tend to increase ten-fold.
• Real-time Processing - travel merchant accounts allow real-time internet facilities to accept credit card payments online
• Cost Effective Solutions - with our travel merchant accounts business owners gain confidence to commence online credit card processing
• Secure Servers - We offer secure servers so that our travel merchant account holders feel more secure when buying and selling products online
• 24 Hours Technical Support - we provide a 24/ 7 technical support and customer service facility
• Fraud Protection - we offer protection against credit card fraud. Our online fraud protection helps minimize the impacts of fraud on your business
• Payment Gateway and Virtual Terminal - travel merchant account holders are now able to accept all kinds of electronic payment through our secure payment gateway and virtual terminal
• Credit Card Processing Tools - Instabill also offers certain tools that can help in online credit card processing
• Expand your Business - online credit card processing allows merchants to accept payments from around the globe
• Risk Management - At Instabill we provide you with the best risk management techniques for your travel merchant account, especially when offering online credit card processing services

Merchant accounts make life easier for businessmen by providing them with an easy way of transferring cash through credit cards, ATM cards, debit cards, etc. UK merchant accounts are a favorite with all businessmen, as they ensure an easy access throughout the world, risk-free services, reliability and accessibility. These are qualities that all merchants want in the accounts they hold, and this is what makes a UK merchant account a preferred choice for many.

Using UK banks for transactions is one of the options available. These can be any banks in the UK. Provision of services by the UK banks is efficient and reliable.

nline companies based in the UK are also very much recommended, as they provide an easier access to the clients. Accounts maintained through these online companies can be accessed from anywhere in the world in quick time. This gives these accounts an edge over those in UK banks.

Having a UK merchant account means that you have access to a lot of valuable services. Some of them include the following points.

UK merchant accounts guarantee risk-free services to merchants. These services range from having an account to dealing with one's customers throughout the world.

It is imperative for businessmen to make quick payments. UK merchant accounts can be relied upon for this purpose. These accounts can be used by merchants for a fast transfer of money or for an easy availability of cash any time.

UK merchant account services can always be depended on, especially when it comes to making payments for large sums, transferring huge amounts of money and other processes that are part and parcel of a merchant's life. Money is never lost when UK merchant accounts are used.

Easy accessibility is something that comes as an added benefit to UK merchant account holders. For merchants, this service is one that is valued highly because an easy access to money means that they can make fast deals, and thus improve their positions in the business world.

By ensuring better and quick services, UK merchant accounts can safely be rated as one of the ideal types of accounts for merchants, not just for merchants in UK, but also for all businessmen in any part of the world.

Normally obtaining an offshore merchant account through a UK payment service provider is costly, but with Instabill you no longer have to worry about high set up costs, as we provide low cost merchant accounts everywhere in the world. Applying for an offshore merchant account with a UK payment service provider offers many advantages. Some of them are given below:

• Easy Access - with our offshore merchant accounts our UK clients are no longer limited to doing business in a single country or continent
• Real-time and Cost-effective Solutions - our offshore merchant accounts for the UK offer cost-effective solutions and real-time processing to business owners, hence they become capable of finding the best deal anywhere in the world
• Offshore Credit Card Processing - UK merchants can now accept payments in multiple currencies
• Reduction in Taxes - for the offshore merchant accounts, not having banks in the same location as the business helps reduce taxes
• Secure Servers - both SSL and 3D secure processing is available for our UK clients who wish to open an offshore merchant account
• Fraud Protection -Instabill provides fraud protection against all kinds of online theft and fraud
• Credit Card Acceptance - for offshore merchant account holders in the UK accepting all major credit and debit cards like MasterCard, Visa is quick, safe and easy to manage
• Multi-currency Payment - for our UK merchants we also have a multi-currency payment function available
• Online Reporting - offshore merchants can now view transaction reports online

Some offshore banks and credit card processors charge a slightly higher processing fee in the UK, but with increased competition this tendency is now changing. UK merchants now prefer Instabill's offshore merchant accounts over traditional onshore or domestic merchant banks due to its many advantages.

What sets our UK high risk merchant accounts apart from others is the worldwide acceptance. Situated in the UK, with our offshore high risk merchant accounts your business is accepted around the world, whether it’s the US, Canada, Asia, Panama or any European country. Merchants find it relatively easy to open a high risk merchant account with Instabill as they no longer have to worry about banks denying their merchant account requests due to high volume sales, potential chargeback and the high risk factors.

We approve all kinds of high risk merchants for high risk credit card processing in UK, including:

• Online Casino/Gaming Merchants
• Adult Service Providers
• Online Pharmacy Websites
• Travel Businesses
• Telemarketing
• Replica Products
• Sports wagering
• E-wallet/ e-cash
• Online tobacco/ cigarette

In order to process online orders it is necessary that your UK merchant account service provider provides you with the most popular form of payment - credit card processing. Without this you are losing almost 75% of your target market and potential traffic. In today's e-commerce world credit card has not only simplified the billing and ordering process for customers and merchants alike but also enables impulsive buying. For customers and merchants alike, credit card processing allows four methods of payments, online, by phone, mail and fax.

Our credit card processing services have a high risk credit card processing program for almost all kinds of high risk industry in UK, onshore and offshore. You can be almost anywhere on the globe and get credit card processing solutions for your high risk merchant account easily with Instabill. Whether it’s a gaming/casino merchant account, adult, online pharmacy, travel or any other industry, business owners in UK no longer have to wait for payments. With additional payment options available in addition to our credit card processing services, all our debit and credit card customers find it extremely beneficial, as this has helped improve their cash flow.

With Instabill the ability to process credit cards online has helped merchants boost their sales and with multi currency processing and by accepting all kinds of credit cards apart from MasterCard and Visa merchants gain the advantage of earning huge revenues. Due to the non-US bank standards the processing volumes and chargeback are normally lenient. This feature proves to be very useful especially for casino/gaming and adult merchants and those business owners who do not accept credit/debit cards deny themselves huge profits as it offers merchants:

• The Ability to accept various major credit/debit cards
• Secure Payment Processing and Transactions
• Cost Effective and Real time Processing Solutions
• 24/7 Customer Support and Assistance
• Reliable Virtual Terminal and Secure Payment Gateway
• Online fraud and theft protection
• Protection against credit card scam

That is why our high risk credit card processing services are trusted all over UK as the most secure and safe way of processing payments for high risk merchants.

US based merchants although seem to find several payment processing options but a majority of the retail and high risk business owners have trouble getting accepted for a high volume merchant account. Many merchant account providers like some acquiring banks refuse to take the risk of accepting many high risk businesses because of the fraud and potential chargeback involved.

Does your Merchant Account Service Provider offer all of the following services for the US merchants?

International Merchant Accounts - perfect for the US merchants who want to expand their business beyond the geographical boundaries

High Risk Merchant Accounts -accepting all kinds of high risk merchants like online pharmacy, adult merchants, online casino/ gaming, travel, e-wallet, online dating, tobacco and cigarette industry, replica products etc.

Offshore Merchant Accounts -offers economical advantages along with tax reduction

High Volume Merchant Account - when you know that your sales can grow more than what a normal merchant account can handle

Offshore and High Risk Credit Card Processing - being able to accept credit card payments online helps boost your business

Secure Payment Gateway and Virtual Terminal - to securely process transactions online with a safe gateway and terminal

SSL Servers and 3D Secure - 3D authentication and SSL encrypted servers further help protect the merchant account payment processing

Credit Card Scam and Fraud Protection - in today’s ecommerce world fraud protection ensures safety in an otherwise fraudulent world

Recurring Billing and Online Reporting - US merchants should have the benefit of viewing transaction reports online and get recurring billing options

Cost Effective Solutions and Real-time Processing - only the right merchant account providers offer you risk management techniques along with cost effective solutions and real-time processing services for the US merchants

24/7 Technical Support and Customer Care - technical support helps build customer confidence and offers professional advice to merchants

Payment Options - various payment options like credit/debit card processing, bank wire, direct debit, ACH, ELV etc make it easier for the US merchants to manage the payments coming from their customers

Major Credit Card Acceptance - accepting all kinds of credit cards helps diversify payment options to merchants and customers alike. Merchants are able to accept all kinds of credit cards from MasterCard to Visa and others

Multi Currency Options - being able to accept various currencies like US dollar, Euros, Pounds, Canadian Dollars, Australian dollars, Yen and Hong Kong dollars etc is very profitable for the US merchants as it helps them get potential customers from all around the world

Does your Merchant Account Service provider offer you all of this?
If not then opt for the one that does!

Be careful when selecting a merchant account provider. Choosing the wrong account provider can not only mess up your business but will likely destroy it.

We understand the importance of your business and that is why we offer all this and much more. Being able to accept credit cards and offering various payment processing solutions with your online merchant account is one of the basic needs of the US merchant and is a vital service that a merchant account provider can offer for any business. That is why we offer various fraud protection tools along with multi-currency processing, offshore credit card processing and 24/7 customer support.

The US eCommerce market can be very competitive especially concerning payment processing facilities and merchant account setup. Most banks and credit card processors refuse to accept you if your have not been in business for at least two years. They will want a security deposit and will probably not consider your business due to possible charge backs. Some might even shut down your merchant account later due to high volume sales just when your business was starting to grow.

Due to a large number of fraudulent activities and money laundering banks and credit card processors are rather reluctant at providing you a merchant account and the chance to grow your business. So you would want to find a merchant account provider who will not just accept your business but also understand its needs.

It's a small world! Now you can easily be in your state and virtually find yourself a merchant account provider who will provide you a processor and an offshore merchant account that will allow you to process your payments from anywhere in the world.

One of the major advantages of owning an Instabill Offshore Merchant Account is that the setup is hassle free, you get better service and there are almost no deposit requirements. Other major advantages include:

• Easy Access Worldwide - Business owners are no longer limited by geographical boundaries. With an offshore merchant account you can virtually access any country in the world.
• Economical Advantages - Get the best deal from anywhere in the world with absolutely zero restrictions.
• Offshore Credit Card Processing - Accept payments in multiple currencies.
• Reduction in Taxes - Having an offshore company to process your payment transactions helps reduce taxes.
• Relaxed Processing Fee - Some offshore banks and processors do charge a slightly higher processing fee, however now with the increase in competition this trend is changing.

Of course there is fierce competition in the US when it comes to finding a merchant account provider whose service is worldwide. But with Instabill you needn't worry about all that!

Most companies and credit card processors make profit by taking not just a percentage of your transactions but also by charging you a slightly higher percentage on their merchant accounts. Many merchant account providers also hold on to about large percentage of your profits and use them against future returns, expecting you to pay more bucks per sale. Once your business starts requiring high volume sales, some merchant accounts are unable to support your monthly sales volume and are therefore shut down.

Merchant accounts are generally shut down if the total amount of transactions per month is higher than the preset limit given by the merchant account provider. In this way merchants are unable to process large amount of transactions every month. This not only hampers the growth of the business but it might also lead to customer and potential sales loss.

In order to avoid huge losses, the merchant account providers and credit card processing companies hold back funds and shut down merchant accounts at times. So if your sales increase by volumes, the merchant account provider might shut down your account and hold back large amount of funds. You will be unable to transfer any money to your bank account. That is why a merchant account that allows only a limited volume is not beneficial.

What you can do in order to avoid such mayhem is:

• Research and ask questions to make sure you are clear on all the facts before any agreement.
• Estimate your monthly sales and be sure about the kind of account you want. You don't want to get stuck with a limited merchant account that might hamper your growth.
• Do not base your decision of finding the right merchant account on low discount rates or free applications. There should be more to a merchant account than just that.
• Read the privacy policy and all the other contracts carefully before signing or agreeing to anything.
• Call your merchant account provider and find out about the limit of volume sales and all the other related details.
• Ask for an unlimited merchant account, so that you are able to process more transactions.
• Get yourself a trusted merchant account provider who provides a high volume merchant account, allowing to you to process unlimited volume sales

Our merchant account does not limit the merchant with the volume he can process every month unlike most banks and merchant account providers because we understand the importance of your business. Process as much as you want!

The major benefits of having an Instabill high volume merchant account include:

• No High Volume Restrictions - our high volume merchant account owners do not worry about chargeback and refunds. With 0% volume restrictions merchants can now grow their business as they like
• Secure Payment Gateway and Virtual Terminal - with our SSL encrypted servers and fraud protection tools, merchants can rely on secure transactions
• Real time Payment Processing and Cost Effective Solutions - Instabill's merchants acquire real-time credit card processing along with cost effective solutions and risk management techniques
• Recurring Billing - used for recurring transactions
• Online Reporting - online reporting enables merchants to view transaction reports online
• High Risk and Offshore Credit Card Processing - we provide you with the perfect solution for all your high risk and offshore credit card processing needs
• 24/7 Customer Care and Technical Support - Our 24/7 technical support builds customer confidence and offers professional advice
• Acceptance of all kinds of Credit Cards - merchants become capable of accepting all kinds of credit cards. From MasterCard and Visa to various other kinds

Offering all this and much more our high volume merchant accounts are the best choice for merchants worldwide. We provide you with all this and much more because we understand!