Instabill Overview

Instabill ( is a merchant account provider based in Portsmouth, New Hampshire, that specializes in online payments. Launched in 2003, Instabill appears to operate outside of the U.S. as ECS World LTD. The company is headquartered in the U.S. at 875 Greenland Road, Suite B9, Portsmouth, New Hampshire 03801 and in Mauritius at Suite 501, St. James Court, St. Dennis Street, Port Louis, Mauritius. Given its ability to offer offshore merchant accounts, Instabill is likely partnered with numerous acquiring banks. Jason Field is listed as the founder and CEO of Instabill.

Key Points

  • Sales & Marketing: Instabill does not appear to hire independent sales agents and has received a low number of complaints about its sales practices.
  • Costs & Contract: Instabill offers variable contract terms depending on each merchant’s business type and processing history.
  • Complaints & Service: Instabill has received more than 20 public complaints.
  • BBB Rating: Instabill has an “A+” rating with the Better Business Bureau and has received zero complaints in the past three years.
  • Rates & Fees: How Merchants Got The Best Rates With Instabill

Products & Services Offered

Types of Businesses Served

  • Retail
  • MOTO
  • E-commerce
  • High risk
  • International

Response from Instabill

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Instabill Rates, Fees, and Costs

Key Points

Swiped Rate Variable
Keyed-in Rate Variable
Early Termination Fee Variable
PCI Compliance Fee Variable
Equipment Lease Terms Variable

Because Instabill specializes in high-risk and offshore merchant accounts, the company’s rates and fees are not likely to compare favorably to those of traditional merchant account providers. However, this is a product of Instabill’s willingness to provide processing for riskier business types, rather than the result of an inappropriate markup. Generally speaking, Instabill’s contract terms appear to vary greatly depending on a merchant’s business type, size, time in business, and risk for fraudulent activity. Its terms will likely feature tiered pricing and may incorporate early termination fees or PCI Compliance fees.

Most Instabill complaints seem to stem from the company’s fraud prevention policies. Many merchants report cancellation of their merchant accounts or withholding of funds, both of which are common fraud prevention tactics among high-risk processors. In most of these cases, Instabill has responded by detailing its fraud prevention policies, which generally consist of randomly contacting customers and obtaining information about whether a merchant has supplied a particular service and done so in an appropriate amount of time. If merchants do not appear to be rendering their services within a reasonable amount of time (or at all), Instabill reserves the right to terminate their merchant accounts. This is understandably frustrating for merchants who have already processed payments through Instabill at the time of cancellation, but it’s also a justifiable fraud prevention policy on Instabill’s part. Given the company’s track record and relatively low complaint total, we have awarded it an “A” in this category.

Response from Instabill

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Instabill Complaints & Customer Reviews

Key Points

Total Online Complaints 20+
Live Customer Support Yes
Most Common Complaint Fund Holds

We are currently able to locate approximately 20 Instabill complaints, many of which accuse the company of being a scam or a ripoff. In many of these cases, merchants report losses of multiple thousands of dollars. While this would usually cause the company’s rating to be severely lowered, it is important to note that most of these complaints appear to have been posted by high-risk merchants who Instabill representatives claim were not actually delivering services to their customers. Although it is difficult to know which party is being honest in each case, Instabill’s willingness to deal with high-risk industries predisposes it to receiving some complaints like these.

In general, Instabill’s rebuttals appear to be professional in tone and well-supported, so we aren’t inclined to fault the company for protecting itself from fraud. Merchants are advised to inquire about Instabill’s fraud protection measures and to be forthright about their business types to ensure that their service isn’t terminated after payments have already been processed. The only slightly alarming thing we have found is that multiple complaints mention difficulty contacting an Instabill representative to resolve issues in a timely fashion.

Response from Instabill

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Instabill BBB Rating Summary

Key Points - BBB

Product & Service Complaints 0
Billing & Collection Complaints 0
Advertising & Sales Complaints 0
Guarantee & Warranty Complaints 0
Delivery Complaints 0

Instabill is not an accredited business with the Better Business Bureau. As of this review, the company holds an “A+” rating with the BBB and has had zero complaints filed against it in the last 36 months. Instabill also has not received any informal reviews on its BBB profile, although it should be noted that these reviews are not subject to verification by the BBB. Given the company’s clean complaint record, we agree with the BBB’s rating.

Response from Instabill

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Truth In Marketing & Advertising

Key Points

Employs Independent Resellers No
Advertises Deceptive Rates No
Discloses All Important Terms No

Instabill appears to utilize a combination of its in-house sales team, its website, and independent referrers to market its services. There is no indication at this time that the company partners with outbound independent resellers, and we are currently able to locate only a few negative Instabill reviews that accuse the company’s sales team of misrepresentation or nondisclosure. At the time of our last review, a sidebar on the Instabill website promoted rates “as low as 2.2%,” which is a slightly misleading quote that likely only applies to “Qualified” rates. This quote is no longer listed, though, and the company’s website now urges merchants to get in touch for a custom rate quote based on their processing history, risk factors, and business type. In addition, most merchant complaints state that Instabill acknowledges up front that its rates will be higher for high-risk businesses.

Response from Instabill

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Instabill Marketing Example

Instabill Logo

Our Opinion of Instabill

Instabill rates as a reliable merchant services provider according to our rating system. Because the company offers high-risk and offshore merchant accounts, it has drawn some complaints from merchants who found their services cancelled or funds withheld. In most of these cases, however, Instabill appears to have been proactively protecting itself from fraud. The company is a viable option for merchants who are unable to obtain credit card processing through traditional providers, but merchants are always encouraged to read their contracts carefully.

Phillip Parker is a former merchant services sales agent who believes the industry has been overrun by people who engage in fraud and deception in order to steal from hard working business owners. He created this website to help you avoid the bad players, save money on fees, and to get peace of mind with your merchant account. If you would like to help support his work, learn more about our cost reduction service. We can evaluate your statement, tell you exactly how much you're overpaying, and then help you dramatically reduce your fees with your current credit card processor. Looking to switch instead? See our list of the best merchant account providers.

Schedule a Consultation with Phillip

10 Reviews Leave Your Review for Instabill Below

    Eliminate hidden fees and mistakes without switching merchant accounts. Get a free statement audit today to see how much you are overpaying.

  1. Rebekha says:

    Paul Nash the CEO of Spinqast said instabill stole all of the representatives of Spinqasts money. He said they would not release the funds and the funds that we all paid to become representatives. Thousands of dollars gone *poof* who has it??? Where did it go??? According to Paul Instabill has it and won’t release it to him.

    Are you with Instabill? Learn how to resolve this complaint.

  2. Jason Gillespie says:

    I am very surprised to see that you are recommending instabill as a reliable merchant. I can provide multiple documentation to prove that they are running a scam. I hope you were not paid by instabill to review them.

    1. Phillip says:

      Hi Jason,

      According to all the available information, we found no evidence to support a claim such as yours. Please feel free to leave your evidence in the comment section of this review and we’ll take it into consideration.

    2. A.Haddad says:

      I absolutely agree that Instabill is a scam. we had a pharmacy website and we were tired of not getting paid the right amount and tired of seeing new charges.our balance was about $12000 and they started giving us conditions for releasing the money.we felt that we met all conditions but they came up with new and different ones. all in all they took the $12000 and we had no way of getting them back. I had an attack on their website and got it down for two days and that was my money’s worth. i swear to God if I come face to face with anyone of them,man or woman,I would break their Mother Fracking knecks.

      1. Hawkeye says:

        I totally agree with you. According to Instabill my money (which was in a reserve) was being held just in case of chargebacks. Well I never received any chargebacks and I never received the $5000 that was being held. I am sure it went into their bottom line as it did not go into mine. Instabill is a scam and will rip you off.

      2. D.Cohen says:

        I am also in a high risk business and got screwed over did you find a merchant who satisfied your needs? if so can you tell me which one?

        From The Editor
        This Post Might Help: Best High Risk Merchant Accounts

  3. Eliminate hidden fees and mistakes without switching merchant accounts. Get a free statement audit today to see how much you are overpaying.

  4. Chris says:

    I found Instabill to be both competent and professional. Our merchant facilities were up and running within the quoted timeframe and Terri Donato was very helpful.

  5. Mark says:

    We have been processing with Instabill for approximately seven years. They are excellent. Our experience with them has been that they provide an excellent product and act with the highest standard of integrity and customer service. We would recommend them to anybody who needs high spec processing at a competitive price.

    1. Phillip Parker says:

      Hi Mark,

      In order to authenticate your testimonial and lend it more credence, please reply to this comment with your business name and location.

  6. Eliminate hidden fees and mistakes without switching merchant accounts. Get a free statement audit today to see how much you are overpaying.

  7. I would just like to say that i found Instabill very helpful in a situaton where our Company needed to to sort out merchant facilities quickly for what would be classed as a High Risk account they were both quick and helpful . Considering we are also running on different timezones with us in Uk and them in the US the correspondance and responses to get the matter sorted out in the quickest possible time was to be commended.
    We got our facilities up and running within a 10 day timeframe and Terri Donnato was most helpful and i would recommend from my experience Instabill solutions to anyone looking at merchant facilities that may be outside the normal parameters .

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