Merchant Account
Whether you're launching quickly or scaling a complex business, our Merchant Account solutions are purpose-built for industries that demand more from their payment provider. Benefit from stable processing and the confidence of a payment partner with over 25 years of high-risk expertise.
Merchant Account Types
One trusted platform, two powerful ways to accept payments – PSP Merchant Account and ISO Merchant Account. Both options are designed for high-risk industries, with flexible structures tailored to your business model, processing volume, and stage of growth.
PSP Merchant Account
Start accepting payments quickly, with compliance and infrastructure fully managed at the platform level. No direct bank relationship is required, just a streamlined application supported by underwriting, risk and compliance teams with deep expertise in low, mid, and high-risk verticals.
Quick Approval
- Sub-merchant account under CCBill's master merchant account
- Streamlined application process with fast decision-making
- No need to establish a direct acquiring bank relationship
- Ideal for businesses entering the market or testing new verticals
Built-In Compliance Coverage
- PCI DSS compliance managed at the platform level
- Correct MCC assigned based on your industry, ensuring accurate classification and card network compliance from day one
- Fraud monitoring, 3D Secure 2.0, and AVS included out of the box
- CCBill handles the complexity of card network rule adherence
All-in-One Payment Platform
- Multi-currency support and international card acceptance
- Integrated payment gateway, billing tools, and reporting dashboard
- Subscription and recurring billing engine included
- Chargeback prevention with 24/7/365 billing support
Designed for High-Risk Verticals
- Extensive experience with adult content, subscriptions, and more
- Vertical-specific underwriting: not a one-size-fits-all risk model
- MCC precisely matched to your business type, reducing misclassification risks that impact rates and stability
- Stable relationships with processors and acquiring banks built for over 25 years
Not sure if a PSP Merchant Account is right for your business?
Talk to our payment experts.
ISO Merchant Account
Get your own dedicated Merchant ID and a direct relationship with acquiring bank. Built for established businesses that require higher volume capacity, tailored underwriting, and full ownership of their payment environment.
Dedicated Merchant
Account
- Unique Merchant ID (MID) assigned directly to your business
- Industry-specific MCC ensures correct processing classification and full rate transparency
- Direct contractual relationship with the acquiring bank
- Grow your business by managing multiple acquiring relationships
Full
Control
- Higher processing volume thresholds tailored to your business needs
- Full access to interchange-plus pricing transparency
- Flexible gateway integrations and routing configurations
- Pick-and-chose gateway components and VAS (Value Added Services)
Advanced Risk &
Reserve Management
- Bespoke underwriting based on your business model and processing history
- MCC classification is built into your underwriting, so your reserve structure and pricing reflect your actual business (not a generic risk category)
- Fully isolated from other merchants with no shared risk exposure
- Built-in chargeback alert integrations (Ethoca / Verifi)
Not sure if an ISO Merchant Account is right for your business?
Talk to our payment experts.
Which One Is Right for Your Business?
The right merchant account depends on where your business is today and where it's headed. Use the guide below to determine best fit for your model, volume, and goals.
PSP Merchant Account
Best Suited if you:
- Are launching a new business or entering a new vertical
- Want a fast path to live processing with minimal setup complexity
- Prefer an all-inclusive solution with managed compliance and infrastructure
- Operate below a certain volume threshold and want predictable, bundled costs
ISO Merchant Account
Best Suited if you:
- Are an established business with a processing history looking for a dedicated account
- Need higher volume capacity, customized fee structures, or specific gateway integrations
- Want full ownership of your merchant account
- Operate in a complex or heavily regulated vertical requiring tailored underwriting
Not sure which Merchant Account type is right for your business?
Talk to our payment experts.