IBO Package Pricing Explained: the $999 Setup Fee and the $2,999 Monthly Fee
IBOCore sells one package at one price: $999 setup, then $2,999 per month from 30 days after delivery. What each fee covers, when the meter starts, what the add-ons cost and how to forecast the first year.
There is one plan. The $999 setup fee is paid once, in USDT or USDC, and releases the package the same day: entity, EIN, director, bank account with full access, documents, email, proxy, Telegram support. The $2,999 monthly fee starts 30 days after delivery, whatever your vertical or billing model. Add-ons are optional: bank pages ($2,499 once), merchant account consulting ($899 per month) and the document template pack ($499 once). Nothing is clawed back if an acquirer terminates a MID.
IBOCore prices every package the same way: a $999 one-time setup fee paid at checkout, then $2,999 per month starting 30 days after the package is delivered. There is no tier to pick, no percentage of your volume to compute and no vertical surcharge. A dropshipping store, a subscription box, a SaaS tool and a supplements brand all pay the same amounts for the same package. This guide walks through what each fee buys, when it is billed, what the optional add-ons cost and how to forecast a year of processing on the package.
What the $999 setup fee covers
The setup fee is the price of the package itself, and the package is already built when you pay. It is delivered from inventory, not formed after the order, which is why delivery happens the same day the payment confirms. The fee covers everything the homepage lists under "What is included".
- A US business entity, LLC or C-Corp, incorporated in the director's home state, with its EIN already issued.
- The nominee director, a real US resident (the Independent Business Operator) with a clean record and a credit score of 650 or more, exclusive to your package and never used for another merchant.
- A business bank account opened at Bluebanc or Relay in the company's name, handed over with full operational access: wires in and out, a debit card, no minimum balance.
- The complete documentation: the director's government ID and proof of address, the articles, the operating agreement, the EIN letter.
- A professional email on the company domain and a dedicated US residential proxy, so the applications and logins come from where the company lives.
- Director collaboration and 24/7 support in a private Telegram group with an account manager, for the life of the package.
The setup fee is not refunded once the package has been delivered, and it is not refunded when an idle package is reclaimed after the 30-day activation window. Both rules exist for the same reason: a delivered package is an operational asset with a director attached to it, not a reservation.
What the $2,999 monthly fee covers
The monthly fee keeps the package alive: the director stays under contract and reachable for verification calls and signatures, the entity stays in good standing, the bank account stays open in the company's name, the residential proxy stays assigned and the Telegram group stays staffed. It is a flat amount. It does not move with your volume, your ticket size, your chargeback ratio or the number of acquirers you apply to with the package.
The first monthly invoice is dated 30 days after delivery, not at purchase. The gap is deliberate: acquirer onboarding takes 3 to 10 business days from a complete file, so a merchant who applies the week the package arrives is usually processing before the first monthly fee falls due. Twelve renewal invoices are generated when the setup invoice settles, one per month, and each one is payable from the dashboard in USDT or USDC.
Get a US IBO package delivered today
A fresh US company, a vetted US-resident director and a business bank account with full access, from permanent stock, the same day the payment confirms. Or ask on Telegram first.
One price for every vertical
Older pricing models in this market charged more for subscription-heavy or "grey" verticals, either through a higher setup fee or a percentage of monthly deposits. IBOCore does not. The industries page lists twelve verticals, from high-ticket dropshipping and info-products to nutra, streaming and fitness memberships, and every one of them is onboarded on the same $999 plus $2,999 package. What changes between verticals is the underwriting conversation with the acquirer (descriptor, refund policy, claims, fulfilment proof), never the fee.
The only verticals that change the answer are the ones IBOCore refuses outright: adult content and cam, online gambling, pharmacy and prescription products, firearms and ammunition, crypto exchanges and custody, and anything fraudulent, stolen or counterfeit. No price makes those eligible.
The optional add-ons
Three add-ons can be attached at checkout. One-time add-ons are added to the setup invoice; the recurring add-on is billed alongside the monthly fee from the same 30-day mark.
| Add-on | Price | What it is |
|---|---|---|
| Bank pages | $2,499 once | Twelve custom merchant-facing bank pages used to pass acquirer due diligence and KYB screenshots. |
| Merchant account consulting | $899 per month | Direct access to IBOCore's ISO and partner network to stack approvals faster. |
| Document template pack | $499 once | Agreements, invoices, bank statement and internal templates, ready to deploy. |
None of the add-ons is required to open a merchant account. Merchants who already have an ISO and their own document templates buy the package alone; merchants starting from zero tend to take the consulting add-on for the first months and drop it once their acquirer relationships are set.
Forecasting the first year
The arithmetic is short because the fee is flat. The figures below are illustrations with round numbers; they leave out acquirer fees, reserves and settlement timing, which the acquirer sets and which vary by file.
| Scenario | Year one on the package | Notes |
|---|---|---|
| Package alone, activated in month one | $999 + 11 × $2,999 = $33,988 | The first monthly fee falls 30 days after delivery, so a calendar year holds eleven monthly invoices. |
| Package + consulting for six months | $33,988 + 6 × $899 = $39,382 | Consulting starts with the first monthly fee and can be dropped afterwards. |
| Package + bank pages + template pack | $33,988 + $2,499 + $499 = $36,986 | Both one-time add-ons land on the setup invoice. |
Where the fee sits in a processing budget
On a MID moving $100,000 a month, the $2,999 fee is about 3% of deposits; on $300,000 it is about 1%. A percentage-of-volume model would have charged more at those levels, which is one reason the flat fee replaced it.
How payment works on the platform
- Create your merchant account on the platform and submit your business proofs (store URL, screenshots, business model). Review happens before you can see the inventory.
- Pick an available package in the live inventory and tick the add-ons you want. Confirming creates the setup invoice: $999 plus any one-time add-on.
- Pay the invoice in USDT or USDC on ERC20 or TRC20 from your dashboard. The payment is confirmed on-chain, usually within minutes.
- Receive the package the same day: documents, bank access, the director's contact and the Telegram group. The monthly invoices appear in the dashboard, the first one dated 30 days later.
Bank transfer is on the roadmap but not available at checkout today; the invoices carry the crypto amount, the deposit address and the live confirmation status. Renewal invoices are paid the same way, from the same dashboard.
What happens if a MID is terminated
Nothing changes on the fee side, in either direction. IBOCore does not claw back anything when an acquirer terminates a merchant account, and it does not refund the setup fee either. The package stays yours, the director stays under contract, and the same entity can be presented to another acquirer with a clean explanation of what happened. Merchants who run several MIDs keep one package per MID, so a termination on one file does not touch the others.
Get a US IBO package delivered today
A fresh US company, a vetted US-resident director and a business bank account with full access, from permanent stock, the same day the payment confirms. Or ask on Telegram first.
Questions merchants ask
Is there a cheaper plan for low volume?
No. There is one plan and one price. The package costs the same to source, incorporate, bank and support whether the merchant processes $10,000 or $500,000 a month, so the fee does not scale down with volume. Merchants who are not ready to process should not buy yet: the 30-day activation rule means an idle package can be reclaimed.
Can I pay the monthly fee as a percentage of volume instead?
No. Percentage-of-volume pricing is not offered. The flat monthly fee is the same for every merchant, which also means IBOCore has no reason to look at your settlement figures: your volume is your business.
When exactly does the first $2,999 invoice fall due?
Thirty days after the package is delivered, whatever the date you applied to an acquirer and whatever the acquirer decided. The renewal schedule is generated when the setup invoice settles, so you can see every due date in the dashboard from day one.
Concrete terms: IBO, MID, DBA and KYB
An IBO (Independent Business Operator) is the US-resident officer on your entity. A MID (Merchant ID) is the processing account an acquirer assigns once underwriting clears. Your DBA (doing business as) is the billing descriptor cardholders see on statements; vague DBAs drive friendly fraud disputes. KYB (Know Your Business) is the acquirer review of ownership, website, refund policy and processing history before a MID goes live.
- EIN: US tax ID; every MID application references it.
- Authorized signer: the person legally accountable on bank and processor paperwork (your IBO).
- Personal guarantor: US-resident with SSN whose credit file the acquirer pulls.
- BOI report: FinCEN beneficial-ownership filing; must match reality.
- Package URL: the document bundle IBOCore delivers same day after acquisition.
Mistakes that cost operators their first MID
- Hiring a $300 Telegram signer with no contract or credit file.
- Listing a signer who is already guarantor on a dozen fresh MIDs (velocity flags).
- Skipping BOI or hiding the real owner from FinCEN.
- Expecting same-day processing when only the LLC was delivered, not the IBO layer.
FAQ: quick answers
How fast can I get an IBO package on IBOCore?
Available inventory ships the same day after payment. You receive Articles, EIN letter, registered agent details, bank onboarding pack and signer contact through your merchant dashboard. Processor onboarding typically follows over the next one to two weeks.
Where can I look up payment-processing jargon?
Use the Resources glossary on IBOCore (/resources) for 580+ definitions: MID, chargeback ratio, MATCH, rolling reserve, MCC, RDR, KYB and high-risk vertical vocabulary.
Ready for instant delivery?
Browse live IBO inventory or ask about your vertical on Telegram.
