Every high-risk vertical we underwrite, on one package at one price. Plus the verticals we politely refuse so you do not waste a Telegram message.
One package. The vertical decides the underwriting conversation.
IBOCore is vertical-agnostic inside the high-risk space. We onboard the verticals that mainstream acquirers refuse, because those are the operators who actually need the infrastructure we sell.
One package at one price covers every vertical below; the vertical decides the underwriting conversation, not the fee.
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.
One package, one price: $999 setup, then $2,999 per month from 30 days after delivery.
Twelve verticals, one package, one price: $999 setup, then $2,999 per month from 30 days after delivery.
Single-product or multi-product stores running $80-$500+ AOV with paid traffic. Standard high-risk underwriting, predictable processing volume.
Examples: Beauty devices, gadgets, home & kitchen, pet products.
Read the guideDigital courses, paid communities, masterminds, certifications. Education products with one-shot or multi-payment pricing.
Examples: Trading courses, marketing programs, skill bootcamps.
Read the guideHigh-ticket 1:1 or group coaching, agency services, done-for-you offers. Service-based revenue with manual fulfilment.
Examples: Sales coaching, fitness coaching, business consulting.
Read the guideBranded D2C stores, niche inventory, established Shopify/Woo operators looking to swap a closed acquirer for a fresh one.
Examples: Apparel, accessories, wellness.
Read the guideSupplement and wellness brands with clean labelling, no medical claims, no continuity tricks.
Examples: Supplements, skincare, cosmetics.
Read the guideRecurring SaaS billing, monthly seats, usage-based products. Steady MRR and minimal chargebacks keep the underwriting simple.
Examples: Marketing tools, productivity apps, AI tooling.
Read the guideMonthly clubs, recurring boxes, hard-trial offers, drip programs. Volume-share pricing matches the recurring revenue curve.
Examples: Monthly boxes, trial-to-continuity, auto-replenish.
Read the guideContinuity-driven nutra offers, weight management, mens/womens health, anti-aging. Continuity billing, read on rebill terms and claims.
Examples: Nutra continuity, CBD-adjacent, joint & cognitive.
Read the guideNiche streaming, paid newsletters, gated content libraries with monthly recurring billing.
Examples: Premium content, gated communities, niche streaming.
Read the guideEducation, signal services, software around crypto. We do not onboard exchanges or custodial flows, but we onboard the businesses that surround them.
Examples: Crypto education, trading signals, tax software.
Read the guideNewsletters, paid research desks, premium content paywalls billed on a recurring or volume-tiered basis.
Examples: Trading newsletters, premium research, gated journalism.
Read the guideMobile fitness apps, online studios, tiered memberships. Recurring volume, read on its cancellation flow.
Examples: App memberships, virtual classes, coaching apps.
Read the guideHonesty saves a Telegram round-trip. These are the spaces we route elsewhere because we do not have the right acquirer relationships for them.
Strict regulatory regime, dedicated acquirers, not part of our infrastructure.
Licensed gaming, casino and sportsbook operators need iGaming-specific MIDs we do not provide.
Prescription pharma is a different compliance layer, not on our shelf.
Federally regulated, requires dedicated acquirers and FFL paperwork.
Direct on-ramps, KYC custody and exchange flows need a money-services-business stack.
Stolen content, fake products, identity theft, brand counterfeiting. Hard pass on principle.
Not sure where you fit: ask on Telegram before purchasing. A two-minute exchange saves a declined application.
The vertical does not decide whether you need an IBO (Independent Business Operator). The situation does.
Your store is converting and your acquirer is throttling deposits. A new IBO package = a new entity = a new MID = fresh ceiling.
Your acquirer killed the MID with no warning. You need to be processing again the same day, not in three weeks.
You are spinning up a new vertical and want a clean entity that has zero history with your existing brand.
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 on Telegram for the latest.
One package, one price: $999 setup, then $2,999 per month from 30 days after delivery.
Tell us what you process. One package, one price, shipped the same day.
USDT or USDC. No KYC on you. Same-day delivery once payment lands.
Reference material for operators researching IBO structures, US signers and nominee directors for high-risk merchant account infrastructure. Includes questions specific to supported industries.
An IBO (Independent Business Operator) 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.
Any vertical where the acquirer demands a US-resident personal guarantor: nutra, supplements, coaching, info products, continuity, CBD, adult, forex, iGaming, ticketing and most subscription-heavy models. Non-US residents cannot satisfy guarantor fields alone.
Vertical affects underwriting depth, reserve expectations and signer credit requirements, not the core package shape. Share your MCC, chargeback history and target volume on Telegram so we match the right stock and onboarding path.
Often yes, within acquirer limits. Serious operators scale horizontally with multiple entities (multiple IBOs) to spread volume, keep chargeback ratios under network thresholds and survive a single MID termination.
