Fully compliant US business packages for high-risk operators. Same-day delivery. Full bank access. Zero interference.
US-based infrastructure for high-risk operators.
IBOCore is a US-based infrastructure provider specialising in merchant account packages for high-risk e-commerce operators. We exist to solve one specific, recurring problem: processing capacity.
Every merchant account comes with a monthly processing cap, a ceiling on how much volume an acquirer will accept. When you hit that cap, your business stops growing. Most operators spend weeks negotiating higher limits or waiting on slow, unreliable providers. IBOCore eliminates that friction entirely.
We supply fully constituted, immediately deployable US business packages, each one capable of opening a new merchant account with any high-risk acquirer. Every IBO is sourced and qualified by IBOCore in-house, no third-party brokers, no resold listings. Permanently in stock and delivered the same day you purchase it.
Buy one package. Open one new MID. Add processing capacity.
Repeat as many times as your volume demands.
A complete, standalone business identity. Each package is ready for merchant account onboarding from day one. Nothing is missing. You receive everything an acquirer will ask for.
LLC or C-Corp incorporated in the director's state. EIN included, full legal standing, ready for acquirer due diligence from day one.
A real, verifiable US-based individual who collaborates on all KYC steps, bank onboarding, processor verifications and ongoing compliance requests.
Fully operational account at Bluebanc or Relay. Full access: inbound wires, outbound wires, debit card. No minimum balance, no restrictions.
Every personal and business document required by acquirers: government ID, proof of address, articles of incorporation, operating agreement, EIN letter.
A branded business email address tied to the entity (e.g. contact@companyllc.com), ensuring credibility during processor applications and all business communications.
The director is available for verification calls, acquirer queries and any compliance process throughout the active life of the package. NO stolen identities. Every director is a real, consenting US individual, fully KYC-verified.
A dedicated US residential IP so every login, verification and acquirer review looks like it originates from a real American operator.
Every merchant is added to a private Telegram group with their own account manager. Questions, verifications, compliance requests: handled in minutes, any time of day.
Custom merchant-facing bank pages used to pass acquirer due diligence and KYB screenshots. Deployed on request for sensitive verticals.
One-on-one guidance to pick the right acquirer, structure your application, and get approved on the first try, matched to your vertical and volume.
Pre-built PDF templates ready to be filled and sent to acquirers: partner/service agreements, invoices, bank statements, refund policy, terms of service. Designed to pass underwriting on first review.
We ship new modules on a regular basis. Ask your representative for the latest.
The director profile is the single most important factor. Every IBOCore director passes strict pre-qualification before entering our network. No exceptions.
StandardResult: every IBOCore package is built to pass acquirer onboarding on the first attempt.
IBOCorevs. other providers.Built for operators, not tourists. The market is full of providers who cut corners, impose hidden restrictions, or disappear when things get complicated. Here is what makes IBOCore concretely different.
Zero liability. No clawbacks if a MID is terminated.
Clawback clauses, penalties, surprise fees on termination.
No KYC, no notary, no video calls on your side. You pay, you receive the package, you plug it into your processor.
Full KYC on you, notary appointments, in-person ID checks, certified documents, weeks of back-and-forth before you even see the package.
Full operational access. Inbound and outbound wires, debit card, direct card usage, no caps.
Spectator view only. You see the balance but cannot move funds, cannot wire, cannot use cards. The provider pushes payouts on their own schedule.
None. Zero funds parked to satisfy the provider.
Mandatory $5k-$25k reserves frozen for the life of the package.
No opinion on your products, funnels, offers or ad creatives. We stay fully out of the business side.
Heavy interference. They vet your products, dictate your funnels, cap your margins and routinely refuse merchants whose business model they dislike.
Permanent stock. Same-day delivery. No waitlists.
Weeks of waiting, "coming soon" packages, missed launches.
Every major high-risk acquirer and processor. Bring any ISO agent you already trust.
Locked to one or two in-house ISO agents. If your own ISO is not on their shortlist, they simply refuse to onboard.
Smooth billing. The monthly fee only starts 30 days after the package is delivered, giving you a full month to onboard with the acquirer before the meter runs.
Billing starts the second the package is delivered. You pay from day one even if the MID is still in underwriting and has produced zero revenue.
Fresh IBO, never sold before. One merchant, one IBO.
Same IBO rotated across 5-10 merchants. Instant decline risk.
Incorporated in the director's real home state.
Default Wyoming shells, red-flagged by acquirers immediately.
Less than 24 hours from first contact to delivered package.
Reach out to your IBOCore contact on Telegram. A representative guides you through your options based on your business model and volume needs.
Select White-Hat or Grey-Hat depending on the nature of your merchant account activity. Your representative will confirm the right fit with you.
Pay your setup fee by wire transfer or cryptocurrency. Payment is confirmed quickly and triggers immediate package preparation.
Your full package arrives the same day: entity documents, director details, bank access and everything needed to open your first MID.
Two packages. Same infrastructure. The difference is in how ongoing fees are structured. Choose based on the nature of your merchant account activity.
Plan
Standard high-risk e-commerce, dropshipping, info-products.
Setup fee
$1,999one-time
Ongoing
$4,499per month
Monthly billing starts 30 days after package delivery.
What's included
US business entity (LLC or C-Corp)
Nominee Director (IBO)
Business bank account, full access
Complete documentation (Director & Business)
Professional email (contact@companyllc.com)
Director collaboration, no stolen identities
Dedicated US residential proxy
24/7 support in a private Telegram group
Bank pagesOptional
+$2,499 one-time for 12 bank pages
Merchant account consultingOptional
+$899/month for all our ISO & partner contacts
Document template packOptional
+$499 one-time (agreements, invoices, bank statements)
Plan
Subscription-heavy merchants (primarily subscription billing on MIDs).
Setup fee
$2,499one-time
Ongoing
9%of all deposit volume
Revenue share starts 30 days after package delivery.
What's included
US business entity (LLC or C-Corp)
Nominee Director (IBO)
Business bank account, full access
Complete documentation (Director & Business)
Professional email (contact@companyllc.com)
Director collaboration, no stolen identities
Dedicated US residential proxy
24/7 support in a private Telegram group
Bank pagesOptional
+$2,499 one-time for 12 bank pages
Merchant account consultingOptional
+$899/month for all our ISO & partner contacts
Document template packOptional
+$499 one-time (agreements, invoices, bank statements)
Two non-negotiable principles. IBOCore operates on absolute transparency from the merchant and absolute non-interference from our side. These conditions protect both parties.
30-day activation. Monthly billing starts exactly 30 days after delivery. If no merchant account has been opened by then and the package is sitting idle, IBOCore reserves the right to reclaim it and reassign. The setup fee is not refunded. Packages are operational assets, not long-term reservations.
Honest classification. Merchants must accurately identify their volume type at purchase (white-hat or grey-hat). A misclassification, for example subscription-heavy volume processed on a white-hat package, triggers immediate suspension.
Beyond these two conditions, IBOCore makes no demands on how you operate your business.
IBOCore was not built by consultants, lawyers or crypto speculators. It was built by operators who spent years scaling their own high-risk merchant accounts and burning through every provider on the market.
We were the ones locked out of our own bank accounts when a provider did not like our vertical. We were the ones paying setup fees for packages that never shipped. We were the ones waiting weeks on a “same-day” delivery and watching launches die in inbox limbo.
So we built the provider we wished existed: permanent stock, same-day delivery, full bank access, zero interference, fresh IBOs, and a 30-day billing grace from delivery. Not a positioning statement. The bare minimum we would accept for our own operation.
The questions operators actually ask us before placing their first order.
Yes. Every package is a fully constituted US business entity with a real, consenting US-resident director. Nothing is forged, no identity is stolen, no document is fake. You are simply contracting with a US company and its director to open merchant accounts.
Same day. Packages are permanently in stock. Once payment is confirmed, your full set (entity documents, director details, bank access, email, proxy) is delivered on Telegram within a few hours, often less.
Nothing on our side. There are no clawbacks, no penalties, no surprise fees. MID terminations are inherent to high-risk processing and we do not pretend otherwise. The package stays yours and can still be used with any other acquirer.
Yes. Each package is designed to open one MID at a time for clean underwriting. Once the first MID is live, you can stack additional MIDs on the same entity with compatible acquirers. For multiple parallel MIDs on different processors, buy multiple packages.
No. There is zero travel requirement. Everything is delivered remotely on Telegram. You do not need a US address, a US visa, a US bank account, or any US tax presence to use our packages.
No. We do not ask for your passport, your utility bill or your selfie. The KYC burden is on the director, not on you. You stay fully anonymous from the acquirer's point of view.
Legally, the company is owned by the nominee director on paper. Operationally, you run the business: you control the bank account, you receive the funds, you make every business decision. We do not interfere with your products, funnels, margins or ads.
Yes. IBOCore is processor-agnostic. You can bring any ISO agent, any acquirer and any payment processor you already work with. We do not lock you into kickback-sharing partners.
Monthly billing starts exactly 30 days after the package is delivered to you. The clock is anchored on delivery, not on the first deposit, so the timing is predictable and you have a full month to get onboarded with the acquirer before the recurring fee kicks in.
The entity has its own tax obligations in the US, handled by the director's accounting stack. You are invoiced on your side as a normal service client. Specific setups (LLC vs C-Corp, state of incorporation, 1120 vs 1065) are discussed with your representative so that your structure stays clean.
Contact your IBOCore representative on Telegram. Same-day delivery. Permanent stock.
No KYC, no notary, no travel. Just a wire or crypto payment and a Telegram handle.
Reference material for operators researching IBO structures, US signers and nominee directors for high-risk merchant account infrastructure.
An IBO (International Business Owner) is a US-resident individual who is legally appointed as the director of a US business entity on behalf of an operator based outside the United States. The IBO carries the legal and KYC responsibility of running the company on paper, while the operator drives the actual business. In a merchant account context, the IBO is the name on the entity, the name on the bank account and the name the processor underwrites.
In practice, these three terms describe roughly the same role. A "Nominee Director" is the formal corporate-law term for someone who holds a director title on behalf of another party. A "US Signer" emphasises the fact that the person signs US bank and processor paperwork. "IBO" is the industry term used inside the high-risk merchant account ecosystem. The legal function is essentially identical: a real US individual lends their name, ID and signature to a company they do not operationally control.
Anyone who wants to process high-risk volume through a US merchant account but is not a US resident. This includes international dropshippers, info-product sellers, subscription operators, SaaS founders, crypto-adjacent merchants, nutra operators, continuity sellers and any entrepreneur whose vertical is denied by banks in their home country. If you cannot open a US MID under your own name, you need an IBO.
High-risk acquirers require a local director, a clean US credit profile, proof of US residency and a US-incorporated entity. Non-US operators almost never satisfy all four conditions at once. On top of that, many operators need multiple MIDs in parallel to absorb processing caps. Instead of trying to open every MID personally, they use one IBO per entity and scale horizontally.
Technically yes, but in practice it almost always fails. A casual friend or family member in the US will not pass background checks, will not have an adequate credit score, will not want their name on a high-risk MID and will disappear the first time an acquirer asks for a verification call. Professional IBOs are pre-vetted, trained, responsive and contractually committed.
No, it is the opposite. Using IBOs is exactly how serious operators scale past single-MID processing caps. Each IBO gives you a fresh US entity and a fresh director identity, which means a fresh underwriting file that acquirers can approve without tripping duplicate-operator flags. The more IBOs you operate, the more parallel processing capacity you carry.
A serious IBO provides a government-issued photo ID, a proof of current US address, a social security number for KYB and tax forms, signed articles of incorporation, a signed operating agreement, an EIN confirmation letter, bank onboarding paperwork, a personal utility bill, a clean credit report and any additional document the acquirer requests during onboarding.
Reputable providers recruit IBOs through long-standing personal networks, not mass advertising. Every candidate passes a criminal background check, a credit score review (typically 650+), a banking history review and a behavioural interview on availability, responsiveness and willingness to cooperate with acquirer due diligence over months or years.
Package delivery is same day. Acquirer onboarding typically takes 3 to 10 business days depending on the processor and the vertical. End-to-end, serious operators move from order to live processing in around two weeks. Monthly billing starts 30 days after package delivery regardless.
Yes, when structured correctly. US corporate law explicitly allows non-resident individuals to own US companies and to appoint local directors. What is not legal is using stolen identities, forged documents or sham entities designed to defraud acquirers. IBOCore only deploys real, consenting, fully-KYC'd directors, which keeps every package on the compliant side of that line.