IBO Package Add-Ons Explained: Bank Pages, Consulting, Template Pack
The three optional IBO package add-ons, bank pages ($2,499), merchant account consulting ($899 per month) and the document template pack ($499): what each is for, who adds it and when to skip it.
Three optional add-ons sit on top of the package: bank pages at $2,499 one-time (twelve merchant-facing pages for acquirer due diligence and KYB screenshots), merchant account consulting at $899 per month (guidance on acquirer choice and application structure) and a document template pack at $499 one-time. They are chosen at checkout and appear on the acquiring invoice. None of them changes what an underwriter decides.
An IBO package ships complete on the package, and three optional add-ons can be attached to it at checkout: bank pages at $2,499 one-time, twelve custom merchant-facing pages used to pass acquirer due diligence and KYB screenshots; merchant account consulting at $899 per month, guidance on which acquirer to approach and how to structure the application, matched to your vertical and volume; and the document template pack at $499 one-time, ready-to-fill agreements, invoices, bank statement, refund policy and terms of service templates. None of them is required to receive or use the package, and none of them changes the decision an underwriter makes; the acquirer decides on its own file and its own timeline.
The three add-ons at a glance
| Add-on | Price | Billed | What it is |
|---|---|---|---|
| Bank pages | $2,499 | Once, on the acquiring invoice | Twelve custom merchant-facing bank pages used to pass acquirer due diligence and KYB screenshots; deployed on request for sensitive verticals |
| Merchant account consulting | $899 per month | Monthly, with the plan, from 30 days after delivery | One-on-one guidance on picking the acquirer and structuring the application, matched to your vertical and volume, with access to the ISO and partner contacts IBOCore works with |
| Document template pack | $499 | Once, on the acquiring invoice | Ready-to-fill PDF templates: partner and service agreements, invoices, bank statement and internal templates, refund policy, terms of service |
How add-ons are chosen and billed
Add-ons are chosen once, at acquisition. Ticking them updates the order summary; confirming creates the acquiring invoice. The IBO package costs $999 setup, then $2,999 per month from 30 days after delivery, whatever the vertical or the billing model. The invoice is paid in USDT or USDC on ERC20 or TRC20, and the package is delivered the same day the payment confirms. The package itself is identical with or without add-ons.
- Bank pages and the template pack are one-time amounts, added to the acquiring invoice and paid with the setup fee. The IBO package costs $999 setup, then $2,999 per month from 30 days after delivery, whatever the vertical or the billing model.
- Merchant account consulting is a monthly amount, billed alongside the $2,999 monthly fee on each renewal invoice from 30 days after delivery: the renewal reads $2,999 plus $899.
Bank pages: $2,499 one-time, twelve pages
The bank pages add-on is twelve custom merchant-facing bank pages used to pass acquirer due diligence and KYB screenshots, deployed on request for sensitive verticals. It is a set of pages, not a second bank account. Every package already contains a business bank account at Bluebanc or Relay in the company's name, with inbound and outbound wires, a debit card and no minimum balance; when an underwriter asks for proof of the settlement account, the answer is the bank letter, the voided check or the statement that account produces. The bank pages are a separate set built for the due-diligence step where an acquirer or its ISO asks for screenshots of the banking relationship as part of the KYB review.
Who typically adds it: merchants in the sensitive the IBO package verticals, where underwriters typically ask for banking evidence beyond the standard file, and merchants whose previous applications requested such screenshots. When it is unnecessary: a standard the IBO package vertical whose underwriter is satisfied by the included account's own documents, and any application where the acquirer has not asked for such material. It is not a substitute for statements and does not change what the account shows; the bank statements guide on this blog covers what an underwriter reads on a real one.
Packages in stock, add-ons at checkout
Browse the inventory page, choose the plan, tick the add-ons you need. Delivery is the same day the payment confirms.
Merchant account consulting: $899 per month
Merchant account consulting is one-on-one guidance on picking the acquirer, structuring the application and matching both to your vertical and volume, together with access to the ISO and partner contacts IBOCore works with. It exists because IBOCore is processor-agnostic by design: the package works with any ISO agent, any acquirer and any processor you already trust, and IBOCore does not file the application or negotiate terms for you; the choice of acquirer stays yours. The add-on gives a merchant with no such relationship a considered opinion on where to apply and how to present the business.
Who typically adds it: a merchant opening a first US MID without an ISO of their own, a merchant whose previous accounts came from an aggregator or a local processor, and a merchant stacking additional MIDs on the same entity who wants a second view on acquirers. When it is unnecessary: you already have an ISO you trust, or you have opened US MIDs before and know the acquirer you are going to. Two limits. The consulting does not change the underwriting decision; the acquirer decides on its own file, on its own timeline of typically 3 to 10 business days, and no guidance turns a refused vertical into an accepted one. And it is separate from the Telegram group: the private group with your account manager is included in every package and handles questions, verifications and compliance requests; the structured acquirer guidance is what the add-on pays for.
Document template pack: $499 one-time
The document template pack is a set of pre-built PDF templates ready to be filled and sent to acquirers: partner and service agreements, invoices, bank statement and internal templates, a refund policy and terms of service. An underwriter reads the website and the commercial file as evidence of a real business, and a fresh entity has neither a history of invoices nor a stack of signed agreements; the pack supplies the formats so that what you send is complete and consistent with the entity's legal name, address and EIN. The templates are a starting point: the wording of your policies and agreements is yours to adapt to what you sell and where, and whether a clause is right for a given country is a question for a professional, not for a template.
- Partner and service agreements: the contract with a supplier, a fulfilment partner or a client, requested when the underwriter wants to see real counterparties.
- Invoices: the format for billing clients or documenting supplier purchases, kept behind significant transfers on the bank account.
- Bank statement and internal templates: record-keeping formats in the entity's name, for the internal file; the acquirer reads the statements the bank generates.
- Refund policy and terms of service: the pages the underwriter opens on the website, and the version a cardholder accepted when a dispute arrives.
Who typically adds it: a merchant launching a new offer on a fresh entity with no existing paperwork, and a merchant whose current policies were copied from another store and still carry another company's name. The document checklist guide lists that second case among the mismatches that get a file sent back. When it is unnecessary: an established store swapping a closed acquirer for a fresh one already has live policies, signed agreements and an invoice format, and only needs to put the new entity's name on them.
Which add-on fits which situation
| Situation | Bank pages | Consulting | Template pack |
|---|---|---|---|
| First US MID, no ISO, fresh entity | Only if the acquirer asks | Fits | Fits |
| Established store swapping a closed acquirer | Rarely | Fits if the ISO relationship ended with the acquirer | Rarely; the file exists |
| Sensitive the IBO package vertical (nutra, continuity, crypto-adjacent education) | Deployed on request | Fits when acquirer choice is the open question | Fits if the policies are not written yet |
| Second package to stack a new MID | As on the first package | Optional; you know the acquirer | Not needed; reuse the file under the new name |
What no add-on does
No add-on changes an underwriting outcome. The acquirer reads the file, runs its KYB review and decides on its own timeline; the add-ons make the file complete and the application better prepared, nothing more. No add-on is part of the package's core: the director, a real KYC-verified US resident with a clean record and a credit score of 650 or more, is included, as are the bank account and the documentation. Nothing else is sold on top of the package: no chargeback management, no separate one-off signer, no LLC formation on demand and no BOI filing service. On beneficial ownership, one line: a US-formed LLC or corporation is a domestic reporting company, and under FinCEN's interim final rule of March 2025 domestic companies and US persons are exempt from BOI reporting, while companies formed under foreign law that register in a US state remain subject to it. That is the status at the time of writing; verify current FinCEN guidance, and treat any legal or tax question as one for a professional, since IBOCore gives neither legal nor tax advice. The documents in the package show the director on the state filing and on the EIN letter; the description stops there.
Two rules the add-ons do not touch
Ongoing billing starts 30 days after delivery plans, and a package with no merchant account opened by then can be reclaimed, with the setup fee not refunded.
Order the package, decide the add-ons with it
Every package on the inventory page ships the same day the payment confirms. If you are unsure which add-on your acquirer will ask for, describe the vertical and the acquirer on Telegram before you order.
Questions merchants ask
Do I need bank pages if the package already includes a bank account?
Not by default. The bank account at Bluebanc or Relay is in every package, with full operational access, and it produces the documents underwriters usually ask for: a bank letter, a voided check or statements. The bank pages are a separate set of twelve pages for the acquirer's KYB review, deployed on request for sensitive verticals. Add them when your acquirer or ISO is known to ask for that material; leave them off when the included account's own documents answer the request.
Does merchant account consulting mean IBOCore files the application for me?
No. You or your ISO file the application; the director signs what the company's officer must sign and takes the verification call. The consulting add-on is guidance: which acquirer to approach for your vertical and volume, how to structure the application, and access to the ISO and partner contacts IBOCore works with. It does not file the application, negotiate rates or decide the outcome, and IBOCore stays out of your products, funnels and offers.
Can I add an add-on after the package is delivered?
The checkout at acquisition is where the three add-ons are listed, priced and attached to the invoice, so decide them with the order: the one-time add-ons go on the acquiring invoice and the consulting line on the renewals. If a need appears after delivery, raise it with your account manager in the private Telegram group. Deciding before you order is simpler; the IBOCore team on Telegram can walk through the choice with you.
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.