iPayline offers comprehensive solutions for merchants seeking a direct merchant account. Generally, the requirements for direct merchant accounts are either that you operate a low risk, US based business or, for all other medium/high risk businesses with US or offshore business structures, we require that you provide us previous processing statements demonstrating compliance with reasonable charge-back thresholds.
The benefits of a direct merchant account include:
- Unique descriptors
- Lower discount rates
- More account controls
If your business does not qualify for a direct account, your ability to obtain one may only be a few months away. By processing under an iPayline managed account for a few months at significant volume and in compliance with our charge-back requirements, you may qualify for migration to a direct merchant account complemented by lower processing fees.