IBI Merchant Services

The firm's intake form names adult, travel, telemarketing, debt collections, credit repair, e-cigarettes, and timeshares among its accepted high-risk categories. It also serves conventional retail, restaurant, and e-commerce merchants. The common thread is verticals where chargeback ratios, regulatory complexity, or reputational risk cause traditional acquirers to decline the account.

The firm maintains relationships with overseas acquiring banks to set up offshore merchant accounts. These accounts allow international processing when no domestic acquirer will board the merchant. The website describes this as a path for 'high risk and international businesses who are having difficulty placing a merchant account domestically,' offering the 'lowest rates, with the fastest deposit times and no processing limits.'

Yes. The firm offers merchant cash advances from $5,000 to over $300,000, with high approval rates and no property liens or collateral. The program explicitly welcomes merchants who have been declined elsewhere. The advance is structured as a purchase of future receivables rather than a traditional loan, consistent with standard merchant cash advance industry practice.

The firm processes Visa, MasterCard, American Express, and Discover — the four major card networks — plus debit transactions, gift cards, and check payments. Check processing runs through conversion, guarantee, and ACH services for both in-person and over-the-phone/internet scenarios. The stated range covers retail card-present, MOTO/virtual terminal, and internet payment gateway environments.

Standard processors use automated underwriting against normalized risk scores. High-risk verticals break those models — a telemarketer's chargeback pattern or an adult merchant's reputational flag will trigger automatic decline with conventional acquirers. High-risk specialists like IBI replace automatic scoring with curated acquirer relationships, spreading risk across domestic and offshore banking partners that have specific risk appetites for each category.