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Instabill Review

Instabill accepts many industries traditionally in the high-risk category and even offers some innovative payment solutions.

    Shannon Vissers
  • Last updated onUpdated

  • Chris Motola

    Chris Motola

    Senior Staff Writer

Advertiser Disclosure: Our unbiased reviews and content are supported in part by affiliate partnerships, and we adhere to strict guidelines to preserve editorial integrity.


Total Rating 3.8
Fees & Rates3.8

Products & Services4.6


Sales & Advertising Transparency4.2

Customer Service4.0

User Reviews4.0

Instabill At A Glance

  • High-risk merchant account provider specializing in eComm, offshore payments, & cannabis industry
  • May accept your business even if you’ve been rejected by other MSPs
  • Low-risk businesses should apply elsewhere


Shannon Vissers

Shannon Vissers

Lead Staff Writer: Payment Processing at Merchant Maverick
Shannon has been writing for Merchant Maverick about small business software and financing since 2015. She started writing professionally about business topics in 2005. Shannon has been featured in the Washington Post, Reader's Digest, US News, MSN, Yahoo Finance, Business Insider, and other publications. She has a bachelor's degree in English from San Diego State University and currently resides in San Diego, California.
Shannon Vissers
View Shannon Vissers's professional experience on LinkedIn.

High-Risk Merchant Account Ratings Methodology

We research, evaluate, and test each high-risk payment processor that we review at Merchant Maverick, placing special emphasis on key characteristics to generate granular ratings for high-risk merchant account providers.

High-risk merchant accounts, by definition, require the provider to take on more risk and liability; they tend to be more expensive overall than traditional merchant accounts, with more fees and limitations. For this reason, our high-risk rating methodology differs from our standard credit card processor rating methodology, so we don’t mislead our readers by comparing apples and oranges. Many businesses in high-risk industries cannot qualify for a normal payment processing account. That said, there are good and bad options available in the high-risk space, and we judge these high-risk providers against each other to provide the most balanced assessment.

High-risk services can be complex, so we use a 24-point rubric to evaluate each provider. First, we look at pricing structure – interchange plus, subscription-based, tiered, or hybrid – giving the most points to providers that provide fair, transparent pricing and docking those that rely on tiered models. Then we examine rates, the presence and transparency of early termination fees, and any additional fees.

We also look at contract length and fairness and test out sales staff and customer service channels ourselves to ensure that the company uses reputable, above-the-board sales techniques. Finally, we take the company’s online reputation into account, reading customer reviews and comments.

Read more about how we rate high-risk merchant account providers.

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To learn more about how we score our reviews, see our Credit Card Processor Rating Criteria.