Instabill Review

June 11, 2022

Instabill promotes itself as “your resource for merchant services.” It provides high-risk merchant accounts and payment processing solutions for all business types. This includes e-commerce, retail, and mobile businesses. Free account setup, low processing fees, and daily bank settlements are among the many benefits the company highlights.

Below is an overview of merchant services offered by Instabill:

  • Merchant accounts
  • Credit card and debit card payment processing
  • Online, retail, contactless, and MOTO payment processing


Instabill Merchant Services

Merchant Accounts

Instabill provides a selection of merchant accounts for different business models and unique needs. These include high-risk, low-risk, domestic, and offshore merchant accounts. It also supports different payment methods with online, MOTO, and retail merchant accounts.


All merchant accounts come with tailor-fit solutions. These include terminals, payment processing capabilities, and other features. Merchants can also apply for multiple merchant accounts to increase their processing cap.

The company works with acquiring banks to propose the best solutions and rates for each merchant. The approval process takes between 10 to 14 business days.

Payment Processing

With a merchant account, merchants can process credit card and debit card payments. These include Visa, MasterCard, Discover, American Express, Diners Club, China UnionPay, and JCB.

For offshore merchant accounts, some local credit cards are accepted as well. Merchants can also process multi-currency payments like AUD, Euro, Yen, Yuan, HKD, GBP, and more.

Instabill also enables merchants to process e-check and ACH payments. Merchants can process checks through a virtual terminal, checkout page, or batch upload. Other check solutions include Image Cash Letter (ICL) and Check21 processing.

Apart from cards and checks, Instabill also accepts Bitcoin payments. The company guarantees daily bank settlements for merchants.


Payment Gateway and E-commerce Integrations

For online and MOTO merchant accounts, Instabill provides integrations for payment gateways, shopping carts, website platforms, and other necessary software.

The payment gateway will depend on the acquiring bank recommended for the merchant. It also includes a merchant panel to manage all transactions. Features include a virtual terminal, transaction page, statistics page, and user management interface.

Apart from shopping cart and website integrations, Instabill also offers a free hosted payment page.

Retail and Mobile POS Terminals

For retail and mobile merchants, Instabill provides POS terminals for credit card processing. These include countertop terminals, mobile terminals, EMV devices, and more.

Chargeback and Fraud Prevention

Instabill’s payment systems have security features to prevent chargeback and fraud. For one, its payment gateway is PCI compliant. Secondly, its merchant accounts include a fraud protection system from MaxMind. It provides the necessary checkpoints for IP addresses, emails, locations, and other cardholder data. Merchants will also have access to the minFraud Network.

Other fraud prevention techniques include address verification, telephone verification, 3D security, customer blocking, and a database of fraudulent transactions.



Instabill Fees, Rates, and Pricing

Processing Fees

Instabill does not provide its rates and fees online. It customizes its pricing plan based on the merchant’s industry, business needs, and more. Merchants can request a free quote upon application.

Additional Fees

Instabill guarantees free account set up for merchants. Other fees for services, terminals, fraud prevention programs, and the like are unknown. Early termination fees are not disclosed as well.

Hidden Charges

Interested merchants should contact the company to discuss pricing and prevent hidden charges.


Instabill Complaints

 Rip Off Reports

There are two negative reviews on Instabill’s Facebook page. Both claim that the company is a scammer and liar. Apart from these statements, they did not detail the issues they encountered.

Other Complaints

There don’t seem to be any other types of complaints about Instabill.


Instabill BBB Rating

Instabill holds an A+ rating with the BBB. However, it is not an accredited company by the bureau.

BBB Reviews

As of this writing, Instabill does not have any BBB reviews or complaints.


Is Instabill Legitimate?

Instabill is a legitimate company based in Portsmouth, New Hampshire. It was established in 2001 by CEO and founder Jason Field. As seen on its website, the company claims to be one of the leading high-risk merchant account providers worldwide. It also highlights its 20 years of experience and global network of acquiring banks as indicators of its expertise. According to an independent review site, the company has over 10,000 merchants.

Another proof of Instabill’s legitimacy is its strong online presence. It is featured on several merchant blog sites, all of which gave it favorable reviews. named it the Best High-Risk Accounts in 2014, 2015, 2016, 2017, and 2018. Merchant Maverick awarded it four out of five stars in 2017 and 2018. named it one of the Best International Merchant Service Providers in 2018.


While a few complaints accused Instabill of being scammers, there are no official reports of scams or fraud against the company.


Likewise, the company does not seem to be involved in any public lawsuits or legal complaints.


Instabill Customer Reviews

Instabill has several customer reviews with generally high ratings. In, it has a 4.88 rating based on 42 reviews. It also has a 3.7-star rating from one Trustpilot review and a 5-star rating from one Google review. Except for the two complaints above, all reviews share positive experiences with the company.


Merchants praise the company for its fast approval process and seamless account setup. They also showed appreciation for the company’s customer service. Many of them mentioned specific agents who helped them throughout the process. Some also highlight the company’s offshore accounts, e-commerce solutions, and fast settlements.



Overall, Instabill seems to be a knowledgeable and professional company in merchant services. It offers a wide variety of merchant accounts and payment processing solutions. Customer reviews show high satisfaction with its services and customer support. It is a good option not just for high-risk merchants, but for other business types as well.

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