Mon - Sat: 09:00 am - 6.00pm
+44 800 776 5988
7 Bell Yard London, England, WC2A 2JR



You can learn more from our asked questions

What Is A Merchant Account?
A merchant account is a special type of bank account used by a merchant or business necessary for them to process credit and debit card transactions in a variety of ways: Online, over the phone or through the mail. A merchant account operates under an agreement between the merchant, the payment processor or independent sales organization (ISO) and acquiring bank in settling credit or debit card transactions.

What is Merchant Discount Rate (MDR)
MDR is a fee charged from a merchant by a bank for accepting payments from customers through credit and debit cards in their establishments.

The rate for the merchants is quite high…
I understand that it may be quite high, but the points that are important to note is that our service that we provide to not only well-established businesses but are able to place start-ups as well. We have a turnaround of 48-72 hours AND We are non-binding; you can give us a try and if you are not happy you can give us a 30-day notice to terminate the contract.

How Many Websites Can I Link To My Merchant Account?
As long as the websites pertain to the same industry and your account manager approves the additional websites, you can link as many websites to your merchant account as you wish. However, if the industry is significantly different from the originally approved website, you cannot use your merchant account to process credit cards for that site.

How Much Do I Need To Process Each Month To Maintain My Account?
This depends on your industry type. Instabill’s banking partners that provide merchant accounts like to see processing volumes of at least $5,000 USD per month, but each industry has different standards.

What Is The Maximum Dollar Amount I Can Process In One Transaction?
The maximum dollar amount on each transaction is determined by your acquiring bank. Many banks have a $1,000 to $3,000 limit while others may not have any restrictions at all.

Do Free Merchant Accounts With No Charges Actually Exist?
Free merchant accounts are a deceptive marketing ploy or a straight out scam. Most advertisements for free merchant accounts typically entail a free application and no setup fees. However, you will still have to pay processing fees, including a fixed transaction fee and discount rate, and monthly service fees, including payment gateway access fees and statement fees.

What acquiring banks do you work with?
We cannot disclose our partners due to not having an NDA established and as a matter of practice, but for sure we have multiple banks that we work with and have established long term relationships with them to be able to accommodate your merchants. Our acquiring banks are based in the US, Africa, EU.

Why is this 3ds mid? We are not a high-risk business.
We prefer to work as a 3D gateway considering we deal with High risk merchants and to avoid CB’s.

Where from ( what country ) settlements will be coming and in what currency? we can accept only euros as we are in the EU.
Yes we support Euros and settlements come either from Europe, UK or Africa.

We have an aggregated bank account , will it be ok for settlements?

Do we support 3ds or not? And if not supported, do we get notified on such cases?
We support 3Ds enrolled cards only.

Environment details- for Developer, Integration documents.
This will be shared with you once your account is approved.

How many transactions are allowed daily, weekly, and monthly? Also, is that limited only per client’s card or per mail also?
3 per day
3 per week
6 per month for both email and card
3 transactions in total, counting both successful and unsuccessful attempts.
The maximum amount per transaction is 3000
These transactions limits can be increased upon request within 7 days of live transactions

Are you connected to any cashier system ?
Yes , we are connected to praxis , bridgerpay…. and many more.

Do you have a list of decline responses, explanations and solutions for them?
*Transaction Failed-Cardholder verification failed
The card should be enrolled for the 3Ds
Please ensure that customer’s address(country) should match with the country of the card issuing the IP address should match
*FAILURE-DECLINED (Do not honour)
*FAILURE-DECLINED (Banks Do not honour)
Do not honour means The customer’s card does not allow the transaction that is being
Recommended action: The customer should contact their issuing bank to get permission for the transaction. Once the issuing bank has confirmed they will authorize the transaction, process the transaction
If the OTP code is added late then the transaction is

* Transaction was declined due to a single email more than your one day limit.
Please check below attempts limit per email/card on the transaction.

Max 3 Transactions per card/email in a day (last 24 hours)
Max 3 Transactions per card/email in a week (last 7 days)
Max 6 Transactions per card/email in a month (last 30 days)
Which currencies can clients use?
Yes, the three main currencies settled in are GBP, Euros and USD. All others can be accommodated but come with the daily conversion fee of that day.

A high volume of credit card declines can lead to a series of negative consequences for merchants, including penalties from the payment network that gradually increase as high denial ratio remains unsolved for a long period of time. There are many reasons why a credit card transaction can be declined by the issuer.

These are the most common ones:

1. Insufficient funds
According to Ethoca, more than 44% of all denied transactions happen because the payment method selected by the customer didn’t have sufficient funds (in case of debit cards). If the customer tried paying with a credit card, it simply means that he has hit the credit limit, and his issuing bank won’t allow the purchase to go through.

2. Transaction error
The second most common reason for credit card declines (20.6%) is that the customer mistakenly entered erroneous data while entering his payment details.

3. Lost/stolen card
According to the research conducted by Ethoca, about 10% of credit card denials happen because the rightful owner reported the payment card as lost or stolen – as a result, the transaction was declined by the issuing bank. In this case, it is recommended to not retry the transaction neither to provide additional goods and services to the cardholder. In case of a stolen card, make sure to report the transaction attempt to the corresponding issuing bank.

4. Unusual activity
Another common reason for declines is that the credit card company observed an unusual activity on the credit card.

Some activities may include shopping in neighbourhoods that are known for fraudulent practices, sudden change in shopping habits by the cardholder, and sometimes even making small purchases is enough to trigger a decline if the transaction looks like testing. Usually, before the thief starts spending frivolously with the stolen credit card, he will test it out to see if it works by purchasing an item for a small amount, or just filling up the car at the gas station. If a customer typically buys gas in the same area of your location but you suddenly fill your tank up in another part of the city, an alert can be triggered as well.

5. Unusual location
Similar to uncommon activity, making a purchase from an uncommon location can also trigger an alert of suspicion for possible fraudulent practices. Typically, your credit card issuer is familiar with the geographic boundaries of your regular transactions, and making purchases from another country (even if they are not actually fraudulent) can sometimes alert issuers.

6. Change in shipping address
Another common reason for credit card declines can be as simple as a change in the shipping address of the customer. If the issuer doesn’t recognize the new shipping address and it doesn’t match his usual billing address, the transaction could be declined.

7. Temporarily holds
Sometimes, the transaction was declined because the customer hit an “invisible” credit limit on his payment card. This happens when companies make pre-authorized charges on a purchase, putting a temporarily hold on a certain amount of money to ensure that the transaction isn’t fraudulent or that the customer has enough funds in his card.
Why Do I Incur More Declines With 3D Secure Processing?
This is among the most common payment processing questions. With 3D Secure payment processing—or what is more commonly known as Verified by Visa or MasterCard Secure Code—cardholders create one password associated with their credit card account to authorize transactions. However, since many merchants do not use 3D Secure payment processing, cardholders often forget their password. This causes their credit card issuing bank to decline the transaction.

Can I Process Payments For More Than One Website?
Yes. E-commerce merchants can process payments for as many websites as they wish. However, if the products on Website A are different from those on Websites B and C, then you will need to apply for separate merchant accounts for each website. To process payments for a new site through an existing merchant account, your account manager must approve it if it was not originally included on your application.

If The Nature Of My Business Changes, Can I Still Accept Payments
This is also among the most common payment processing questions. If you change the nature of your business, then you MUST inform your merchant account manager. We will then determine if your new business type breaches your payment processing contract. However, if the nature of your business changes so drastically, your acquiring bank may not be able to provide you with a merchant account. In this situation, we will help you obtain a new merchant account through one of our many banking partners.

Additionally, if you do not notify ipaytotal or your merchant account manager of such changes, it is considered a breach of contract . Merchants may be subject to fines, delays in payouts, merchant account interruptions or even a terminated merchant account.

Why Do Some Of My Customers Receive An International Charge?
If you sell goods or services to customers internationally, some of them may see an additional charge called the international transaction fee. International transaction fees range from $0.45-0.60 and as much as $1.25. Neither ipaytotal nor your acquiring bank imposes this fee. It comes from the cardholder’s issuing bank.

What Is The Difference Between Authorization And Settlement?
Although similar, authorizations and settlements are two different things.

Authorization occurs when your customer’s issuing bank approves the transaction request. Either the customer has sufficient funds in his bank account to process the debit card purchase or he had enough credit left on his account to make a credit card purchase. Alternatively, if there were insufficient funds in either bank or credit card account, the issuing bank would decline the transaction.

There are several other reasons why a bank would decline a transaction request: Expired card, incorrect information provided, or the cardholder canceled the account. The merchant does not receive approved funds at this part of the transaction.

A settlement occurs when the pending amount of approved funds has successfully transferred from the bank or credit card account to your merchant account.

Present On The MATCH List
Visa and MasterCard processing banks maintain a MATCH list that identifies businesses that have had merchant accounts terminated in the past. You may also know this is the Terminated Merchant File (TMF). What you may not know is that all acquiring banks and credit card processors have access to this list and will check to see if you are on it. However, it is not just your company name that appears on the MATCH list. Any name associated with your business or terminated merchant account will also appear on the list.

It is easy to avoid getting your name on the MATCH list. Make sure that the directors you appoint or even major shareholders in the business have a clean history. Also, make sure that you do not have any outstanding bills or fees from previous merchant accounts. Lastly, keeping your chargeback ratio low will also lower your risk of getting your name on the MATCH list.

Unacceptable E-Commerce Industry
Most high risk credit card processors have a list of industries they cannot accept. This does not mean the business is illegal. It may simply mean the processor does not have a banking partner who accepts this specific e-commerce industry. Acquiring banks decide what e-commerce industries they wish to accept based on the level of risk, and the bank may simply find your industry too risky.

Linked To Fraud Or Illegal Activity
Perhaps your merchant account application was declined because banks associate the products or services offered to fraud or illegal activity. Our underwriting process is very thorough and we practice due diligence to ensure the integrity of our merchants. However, in some cases we will raise a red flag if we find:

Products on your website that do not match the description or cost
You are trying to sell controlled drugs
Illegal adult content, including child pornography, bestiality, incest, or extreme violence
Misleading Monthly Processing Volume And Average Ticket Size
When filling out your merchant account application, we require you to provide us with your monthly processing volume as well as your average ticket size.

However, if these numbers do not coincide with the type of business you operate, then you risk greater chances of having your application flagged or declined. Acquiring banks train their underwriters to detect even the tiniest reason that your business may be fraudulent.

Let’s say you run a small e-commerce business and your monthly processing volume is $5,000. If you list on your merchant account application that your average ticket size is $600, this will raise a red flag. In some cases, the acquiring bank will immediately decline your application, while other banks will offer you a chance to explain why the ticket amount is so high in relation to your monthly volume.

Restricted Countries
Afghanistan, American Samoa, Azerbaijan, Bangladesh, Barbados, Bhutan, Belarus, Cayman Islands, China, Cuba, Cyprus, Czech Republic, Ecuador, Greece, Guam, Guatemala, Iceland, Indonesia, Iran, Iraq, Israel, Japan, Jordan, Kuwait, Kyrgyzstan, Latvia, Libya, Lithuania, Luxembourg, Maldives, Mali, Mauritania, Mexico, Oman, Pakistan, Palau, Qatar, Russia, Singapore, South Africa, Saudi Arabia, South Korea, Somalia, Sudan, Syria, Taiwan, Tuvalu, Ukraine, Uzbekistan, Yemen

Restricted Industries
Pharma, Kratom, Child Pornography, Arms and ammunition, Drugs, any illegal and prohibited items.
List of Prohibited items:
Drugs, medical marijuana, cannabis seeds, drug paraphernalia
Illegal substances and products
Human organs and weapons
Counterfeit products and replicas
Unauthorized copyright media and software
Merchants involved with bestiality, rape, hate, violence, or incest
Child abuse imagery and child pornography
Jail breaker equipment and software
Hacking and cracking materials
Fake credentials, fake academic papers,
Tobacco and e-cigarettes
Medical consultation
HCG weight loss products
Files sharing and storage
The institutions conducting the underwriting as well as the card platforms can be “subjective” versus being “objective” in their reasoning for classifying a merchant as a High Risk. This means that the reasons can be broad and vary immensely from acquirer to acquirer. For the sake of this conversation, I have listed the top five reasons below.

You are part of an industry, or vertical, that has unfortunately gained a bad reputation.
You have no or extraordinarily little processing history. A start-up for example.
You have expensive items, or commonly referred to as “High Ticket” items, along with high monthly processing volumes.
When assigned high buy rates, or MDR, accompanied with a mandatory high rolling reserve.
You are threatened with account termination.

The institutions conducting the underwriting as well as the card platforms can be “subjective” versus being “objective” in their reasoning for classifying a merchant as a High Risk. This means that the reasons can be broad and vary immensely from acquirer to acquirer. For the sake of this conversation, I have listed the top five reasons below.

You are part of an industry, or vertical, that has unfortunately gained a bad reputation.
You have no or extraordinarily little processing history. A start-up for example.
You have expensive items, or commonly referred to as “High Ticket” items, along with high monthly processing volumes.
When assigned high buy rates, or MDR, accompanied with a mandatory high rolling reserve.
You are threatened with account termination.

Why Gaming is Considered as High Risk

The overall most common online gaming merchant is “Online Casinos”. However; many more exist such as fantasy sports, poker, and multi-player games.
Total turnover: Online gaming is extremely high and hence the business is considered to be high risk by Merchant service providers and banks.
Offshore Business: There is a high probability for fraud and money laundering.
This business includes international transactions and multiple currencies this makes the business a high risk.
This Business includes a high percentage of chargebacks, which is the number one driver of a vertical being classified as “High Risk”. Also, a subscription based business model is common, which can result in a high chargeback’s.

Still have you any problem for solutions?

Merchant must submit accurate and valid information so that our Support Team can attend to any queries diligently and most accurately.

Head office address:

7 Bell Yard London, England, WC2A 2JR

Call for help:

+44 800 776 5988

Mail for information:

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    Melbourne, Australia
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    Melbourne, Australia
    (Sat - Thursday)
    (10am - 05 pm)
    Melbourne, Australia
    (Sat - Thursday)
    (10am - 05 pm)