Industries we serve. Without exceptions hidden in the fine print.
Every major high-risk vertical we underwrite, mapped to the right plan. Plus the verticals we politely refuse so you do not waste a Telegram message.
Built for high-risk operators.
Two plans. The vertical decides which one fits.
IBOCore is vertical-agnostic inside the high-risk space. We do not specialise in one niche and we do not pretend to be a White Hat-only shop. We onboard the verticals that mainstream acquirers refuse, because those are the operators who actually need the infrastructure we sell.
The line between our two plans is structural, not moral. White Hat fits steady, predictable processing volume. Grey Hat fits subscription-heavy, continuity-driven or recurring-billing operators where a flat monthly fee would mis-price the relationship.
Below: the verticals we onboard every week, the verticals we route to other providers, and the typical operator situations that bring people to us in the first place.
Honest classification at purchase is non-negotiable.
Misclassification is the only thing that gets a package suspended.
White Hat verticals.
Predictable monthly volume. Flat-fee plan. Best when a single MID covers the bulk of your processing.
High-ticket dropshipping
Single-product or multi-product stores running $80-$500+ AOV with paid traffic. Standard high-risk underwriting, predictable processing volume.
Info-products & courses
Digital courses, paid communities, masterminds, certifications. White-hat education products with one-shot or multi-payment pricing.
Coaching & consulting
High-ticket 1:1 or group coaching, agency services, done-for-you offers. Service-based revenue with manual fulfilment.
White-hat e-commerce
Branded D2C stores, niche inventory, established Shopify/Woo operators looking to swap a closed acquirer for a fresh one.
Health & wellness (compliant)
Supplement and wellness brands with clean labelling, no medical claims, no continuity tricks. Standard White Hat fit.
SaaS & digital tools
Recurring SaaS billing, monthly seats, usage-based products. Sit on White Hat when MRR is steady and chargebacks are minimal.
Grey Hat verticals.
Subscription-heavy, continuity, recurring billing, long-tail volume. Revenue-share plan that scales with you instead of pricing you out at launch.
Subscription & continuity
Monthly clubs, recurring boxes, hard-trial offers, drip programs. Volume-share pricing matches the recurring revenue curve.
Nutra & supplements
Continuity-driven nutra offers, weight management, mens/womens health, anti-aging. Underwritten on the Grey Hat plan with revenue share.
Streaming & subscriptions
Niche streaming, paid newsletters, gated content libraries with monthly recurring billing.
Crypto-adjacent businesses
Education, signal services, software around crypto. We do not onboard exchanges or custodial flows, but we onboard the businesses that surround them.
Paid media & publishing
Newsletters, paid research desks, premium content paywalls billed on a recurring or volume-tiered basis.
Fitness apps & memberships
Mobile fitness apps, online studios, tiered memberships. Recurring volume that benefits from the revenue-share structure.
Three situations operators show up with.
The vertical does not actually decide whether you need an IBO. The situation does.
Stack capacity past your current MID
Your store is converting and your acquirer is throttling deposits. A new IBO package = a new entity = a new MID = fresh ceiling.
Survive a sudden termination
Your acquirer killed the MID with no warning. You need to be processing again the same day, not in three weeks.
Launch a new offer cleanly
You are spinning up a new vertical and want a clean entity that has zero history with your existing brand.
What is included.
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.
US Business Entity
LLC or C-Corp incorporated in the director's state. EIN included, full legal standing, ready for acquirer due diligence from day one.
Nominee Director (IBO)
A real, verifiable US-based individual who collaborates on all KYC steps, bank onboarding, processor verifications and ongoing compliance requests.
Business Bank Account
Fully operational account at Bluebanc or Relay. Full access: inbound wires, outbound wires, debit card. No minimum balance, no restrictions.
Complete Documentation (Director & Business)
Every personal and business document required by acquirers: government ID, proof of address, articles of incorporation, operating agreement, EIN letter.
Professional Email
A branded business email address tied to the entity (e.g. contact@companyllc.com), ensuring credibility during processor applications and all business communications.
Director Collaboration
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.
US Proxy
A dedicated US residential IP so every login, verification and acquirer review looks like it originates from a real American operator.
24/7 Dedicated Support
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.
Bank Pages
Custom merchant-facing bank pages used to pass acquirer due diligence and KYB screenshots. Deployed on request for sensitive verticals.
Merchant Account Consulting
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.
Document Template Pack
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.
More coming
We ship new modules on a regular basis. Ask your representative for the latest.
Verticals we do not onboard.
Honesty saves a Telegram round-trip. These are the spaces we route elsewhere because we do not have the right acquirer relationships for them.
Adult content & cam
Strict regulatory regime, dedicated acquirers, not part of our infrastructure.
Online gambling
Licensed gaming, casino and sportsbook operators need iGaming-specific MIDs we do not provide.
Pharmacy / Rx pills
Prescription pharma is a different compliance layer, not on our shelf.
Firearms & ammunition
Federally regulated, requires dedicated acquirers and FFL paperwork.
Crypto exchanges & custody
Direct on-ramps, KYC custody and exchange flows need a money-services-business stack.
Anything obviously fraudulent
Stolen content, fake products, identity theft, brand counterfeiting. Hard pass on principle.
Unsure where you fit? Ping us before purchasing. A 2-minute Telegram exchange saves you a misclassified package.
Your vertical, our infrastructure.
Tell us what you process. We will tell you which plan fits and ship the package the same day.
Wire or crypto. No KYC on you. Same-day delivery once payment lands.