More than 100 questions, grouped by topic and written in plain English: the ones we get before a first order and the ones that come after delivery.
112 questions in 13 topics. Jump to the one you need, or read from the top.
Is this legal, who owns what, what kind of director.
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.
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.
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 on Telegram before purchase so that your structure stays clean.
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.
Ordering on the platform means accepting the Terms of Service linked in the footer. The engagement terms are the ones published on the site: one merchant per IBO, 30 days to activate, billing from day 30 after delivery, zero interference, no clawbacks.
No. Settlements go to the bank account you control, and the fee is flat, so IBOCore has no reason to look at your volume. Your business is your business.
The entity's own obligations in the US are handled by the director's accounting stack; the monthly fee keeps the entity in good standing. IBOCore does not give tax or legal advice, and how the arrangement is treated in your own country is a question for your own adviser.
The director is a real, consenting US resident who owns the company on paper and signs for it; nothing is forged, no identity is borrowed. The one rule on your side is transparency: declare the business you run and the way you bill, and keep the file matching it.
Definition, role, and how it differs from nominee directors and US signers.
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.
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.
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.
No. "Rent an IBO" is what merchants search for; the package is what is sold. The director is engaged for the life of the package and is never sold on their own.
No. Every package is sourced, qualified and built in-house: the director is recruited and vetted by IBOCore, the entity is formed for the package and the bank account is opened for it. Nothing is resold from another provider.
The site has a separate application for US residents who want to become Independent Business Operators, with its own criteria: zero criminal record, a credit score of 650 or more, availability. This FAQ is written for the merchants who buy packages.
Creating your merchant account, the business-proof review, picking a package and paying.
Create a merchant account on the platform with your email, your Telegram handle and your monthly volume, submit your business proofs and wait for the review. Once approved, open the inventory, pick an available package, tick the add-ons you want and confirm. The order creates the setup invoice; you pay it in USDT or USDC from your dashboard and the package is released the same day the payment confirms.
No. The whole purchase runs on the platform: registration, business-proof review, inventory, checkout and payment. Telegram is there for questions before you buy and for delivery and support afterwards, not as a gate you have to pass.
The URL of the store or product, screenshots of the business (checkout, dashboard of the current processor, ads or analytics) and a short description of the business model: what you sell, how you bill, where you process today and your monthly volume. The review is about the business, never about your identity.
The review happens on the platform once your proofs are in, and you can reopen the qualification page at any time to check the status. Until the account is approved you cannot see the inventory, so use the time to read the industry page for your vertical and to prepare the application file the acquirer will ask for.
A declined account means the business proofs did not show an operating business in a vertical IBOCore onboards, or showed a refused one. Operators with no processing history at all are usually not a fit either: the package is an operational asset, not a first step. Declined merchants are blocked from everything beyond the qualification page.
Available, coming soon and sold packages, each with its entity type, its state of incorporation and its opening date. Company names are masked until you sign in with an approved account; once signed in you see the full card and can acquire.
A package that is not released yet. It becomes available on the date shown on the card; until then it cannot be acquired. The inventory is permanent stock, so there is always something available or about to be.
Yes. Confirming an order reserves the package while the setup invoice is pending, so another merchant cannot buy it in that window. If the invoice is not paid, the reservation lapses and the package returns to the inventory.
USDT or USDC on ERC20 or TRC20, paid from your dashboard. The invoice shows the exact coin amount, the deposit address and a QR code, and its status updates on its own once the transaction confirms on chain. Bank transfer (ACH and international wire) is on the roadmap and disabled at checkout for now.
Send exactly the amount shown, on the network you selected on the invoice. If a transfer arrives short or on another network, do not send a second one blindly: message the private Telegram group with the transaction hash so the payment can be reconciled against the invoice.
The invoice page follows the chain and switches to paid by itself; a refresh button is there if you want to check manually. Once paid, the package is released, it appears under your companies in the dashboard and the delivery follows the same day.
One order per package. Confirm each one from its inventory card; each creates its own setup invoice and its own renewal schedule. Merchants running parallel MIDs on different processors keep one package per MID.
Yes. A public REST API under /api/v1 mirrors every feature of the platform: inventory, orders, invoices, the content of the site and webhooks. It uses per-merchant API keys, and the OpenAPI document is served at /api/v1/openapi.json.
The entity, the documents, the email, the proxy: what arrives and what does not.
A US LLC or C-Corp incorporated in the director's home state with its EIN already issued; the nominee director, a vetted US resident exclusive to your package; a business bank account at Bluebanc or Relay in the company's name with full operational access; the complete director and business documentation (government ID, proof of address, articles, operating agreement, EIN letter); a professional email on the company domain; a dedicated US residential proxy; and a private Telegram group with an account manager, 24/7.
Either; each inventory card states which. Both come with the EIN issued, a director on file, the bank account opened and the same document set. The entity type changes the formation documents, not the rest of the package and not the price.
The director's home state, always. Underwriters read the state on the articles next to the address on the director's licence and on the bank file, and expect them to agree; a Wyoming or Delaware shell managed from elsewhere reads as a shell on sight. You do not pick the state, you get the director's.
Yes. The IRS confirmation letter is part of the document set, so there is no SS-4 wait between delivery and the first application.
The entity carries the address on its formation documents and its bank file, which is the director's real residential address in the state of incorporation. That is what an acquirer expects to see; a mail-drop or virtual office address is not part of the package.
A dedicated US residential IP so that your logins to the bank, the processor dashboard and the applications come from where the company lives rather than from your country. One proxy per package, delivered with it.
A mailbox on the company's own domain, used for the bank, the acquirer and supplier correspondence. It is delivered with the package so that nothing about the company points back to a personal address.
Fresh by design: no processing history, no prior MID under its name, no inherited liabilities, and the opening date is shown on the inventory card. Aged shelf companies are a different product that IBOCore does not sell; the comparison page explains what age on paper is worth to an underwriter.
No. IBOCore does not sell a stand-alone director, formation on demand or a signer for an entity you already own. The package is sold as a whole because the director, the entity, the bank file and the documents only work when they name the same person, state and address.
The director's government ID and proof of address, the articles of incorporation, the operating agreement, the EIN letter and the bank onboarding paperwork: the set a bank or an acquirer asks for in an application, handed over as files at delivery.
Twelve custom merchant-facing bank pages used to pass acquirer due diligence and KYB screenshots. It costs $2,499 one-time and is added to the setup invoice when you tick it at checkout.
Agreements, invoices, bank statement and internal templates, ready to deploy, for $499 one-time. Merchants who do not yet have a refund policy, terms of service or supplier agreements written for a US file take it before the first application.
Direct access to IBOCore's ISO and partner network to stack approvals faster, for $899 per month, billed alongside the monthly fee from 30 days after delivery. Merchants who already have an ISO do not need it; merchants starting from zero tend to take it for the first months.
Who the Independent Business Operator on your company is, how they are vetted, what they do for you.
The IBO, an Independent Business Operator: a real US resident, KYC-verified, with zero criminal record and a credit score of 650 or more, qualified in-house by IBOCore. The director is exclusive to your package and has never been used for another merchant.
Never. One merchant per IBO: a director is never shared between operations and never reused once a package has been sold.
No. Every director is fresh, which is the point: a clean underwriting file with no prior MID, no termination and no duplicate-operator flag attached to the name.
Yes. The director stays under contract for the life of the package and handles the acquirer's and the bank's verification calls, signatures and compliance requests, coordinated with you in the private Telegram group.
No. The director is the owner on paper and the signer of record; you run the business. Zero interference is one of the two principles of the engagement: neither IBOCore nor the director has an opinion on your products, funnels, ads or margins.
Reachability is part of the director's contract and part of what the monthly fee pays for. Escalate in your private Telegram group; the account manager handles it. The guide on what happens if the IBO stops answering walks through the sequence.
No. The director provides the identifiers a bank or an acquirer asks for at KYB and underwriting. Nothing of yours is required.
The business bank account, wires, the debit card, settlements.
Bluebanc or Relay, opened in the company's name by the director, and handed over with full operational access at delivery.
Full operational access: inbound and outbound wires, a debit card, no minimum balance. You hold the login and the card; the director is the signer of record the bank needs on file.
Yes, that is what it is for. Settlements arrive in USD in the company's account and you wire out from there; the guide on acquirer settlements covers the timing.
Yes, by wire or with the debit card. Pay the company on the invoice rather than a personal account presented as the factory: that is the usual reason a supplier payment gets held.
No. The account is opened without a minimum balance requirement.
No. Settlements go from the acquirer to the company's bank account, which you control. IBOCore never holds or moves your funds; the only money that reaches IBOCore is the setup fee, the monthly fee and the add-ons you pay by invoice.
How fast you actually receive the package and start processing.
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.
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.
Everything at once: the entity documents, the director's details and documents, the bank access, the professional email, the proxy and the private Telegram group. The package is already built when you pay, which is why nothing has to be formed after the order.
Delivery follows the on-chain confirmation of the setup payment. A transaction that confirms overnight is delivered when the team picks it up; the package itself is already built, so nothing is being filed or opened after you pay.
Log into the bank with the access handed over, read the document set, then apply to your acquirer or ISO. The 30-day activation window starts at delivery, so the application should go out in the first days.
Setup fee, monthly fee, add-ons, when the meter starts.
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.
One package, one price: a $999 one-time setup fee paid at checkout, then $2,999 per month starting 30 days after delivery. Optional add-ons on top: bank pages $2,499 one-time, merchant account consulting $899 per month, document template pack $499 one-time.
No. Every merchant buys the same package at the same price, whatever the vertical or the billing model. The billing model changes the underwriting conversation with the acquirer, not the fee.
No. A dropshipping store, a subscription box, a SaaS tool and a supplements brand pay the same $999 setup and the same $2,999 per month, and the monthly fee does not move with what the MID processes.
The package itself: the entity with its EIN, the director, the bank account with full access, the complete documentation, the professional email, the residential proxy and the same-day delivery. It is paid once, in USDT or USDC.
Keeping the package alive: the director under contract and reachable for calls and signatures, the entity in good standing, the bank account open in the company's name, the proxy assigned and the Telegram group staffed. It is a flat $2,999, whatever your volume, ticket size or number of acquirers.
Twelve renewal invoices are generated when the setup invoice settles, one per month, the first one dated 30 days after delivery. Each is payable from your dashboard in USDT or USDC, like the setup invoice.
No. It 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. A delivered package is an operational asset with a director attached to it, not a reservation.
No. IBOCore charges nothing on volume, no per-chargeback fee, no penalty and no clawback. Acquirer fees, reserves and settlement timing are the acquirer's and sit on top of the package price.
The one-time add-ons (bank pages, document template pack) are added to the setup invoice. The consulting add-on is monthly and is billed alongside the $2,999 fee on each renewal invoice.
Yes. The entity type changes the formation documents, not the price: $999 setup, then $2,999 per month for either.
The monthly fee keeps the package alive for as long as you keep it. If you stop using it, say so in your private Telegram group; the guide on closing a US company when you stop processing covers what happens to the entity and the bank account.
How many MIDs per package, what happens when an acquirer kills one.
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.
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.
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.
No. The package is the file the acquirer underwrites: entity, director, bank account, documents. The MID itself is opened by you with the acquirer or the ISO of your choice; IBOCore does not open it and does not guarantee an approval.
Not necessarily. One package opens one MID at a time; once it is live you can stack more MIDs on the same entity with compatible acquirers. For parallel MIDs on different processors, run one package per MID so a termination on one file never touches the others.
Typically 3 to 10 business days from a complete file, on the acquirer's timeline. The package is delivered the same day, so the application can go out immediately.
Nothing on IBOCore's side: no clawback, no penalty, no refund 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.
No. IBOCore does not sell chargeback management and adds no cost of its own to a dispute; chargeback fees and monitoring programs are the acquirer's. The blog covers ratios, compelling evidence and the network monitoring programs.
Any acquirer or processor that underwrites high-risk merchants with a US entity and a US-resident director. IBOCore is processor-agnostic: bring your own ISO or apply directly.
What the acquirer reads, bringing your own ISO, what to prepare before applying.
The entity documents and the director's ID, the bank account details, your website with its refund policy, terms and descriptor, your processing history if you have one, and proof that you deliver what you sell. The application documents checklist on the blog lists every item.
Both work with the package. An ISO knows which acquirers board your vertical and prepares the file; applying directly saves the ISO's margin but you carry the file yourself. The consulting add-on gives access to IBOCore's ISO and partner network if you have none.
The entity has none by design, so underwriters read the merchant behind it: your previous statements, your website, your policies, your fulfilment. Bring the history of your current or past processing to the application.
It answers the structural reasons for a decline: no US entity, no US-resident signer, no US bank account, an address that does not match. It does not answer the behavioural ones: chargeback ratios, prohibited products or misleading claims. Tell the acquirer what was declined and why.
Not in the corporate documents, the bank file or the merchant application: the director is the name on file. IBOCore never asks for your identity documents, so there is nothing of yours to appear.
A call the acquirer or the bank places to confirm the business and the person on file. The director takes it, from the US, coordinated with you in the private Telegram group so the answers match what you declared.
No. One business per MID and per package. Processing a second offer through a MID underwritten for another is transaction laundering in the acquirer's eyes and ends in a termination; run one package per business.
Which verticals are onboarded, which are refused, and what changes between them.
High-ticket dropshipping, info-products and courses, coaching and consulting, e-commerce, health and wellness, SaaS and digital tools, subscription and continuity, nutra and supplements, streaming and subscriptions, crypto-adjacent education and signals, paid media and publishing, fitness apps and memberships. Each has its own page under industries.
Adult content and cam, online gambling, pharmacy and prescription products, firearms and ammunition, crypto exchanges and custody, and anything fraudulent (stolen content, counterfeits, identity theft). No price makes those eligible, and using a live package for any of them is forbidden.
No. Every vertical on the list is onboarded on the same package at the same price. What changes between verticals is the underwriting conversation with the acquirer: descriptor, refund policy, claims, fulfilment proof.
The underwriting, not the price. Recurring billing is read on its rebill terms, its cancellation flow and its dispute exposure, so declare it in your application and to the acquirer. A subscription business presented as one-time e-commerce is the fastest way to lose the MID at the first dispute wave.
CBD and hemp products are filed under nutra and supplements, whatever the billing model. Whether an acquirer boards them depends on its own rules and on your product documentation; send the product list on Telegram before purchasing if you are unsure.
Yes. High-ticket dropshipping is one of the verticals we see every week. The acquirer will read the supplier route, the shipping windows and the tracking on every order, which the industry page covers.
Education, signals, newsletters and software around crypto are onboarded as crypto-adjacent. Exchanges, on-ramps and custody are refused: the company must never hold or move customer funds.
The list covers the verticals we see every week, not every business that exists. If yours is not on it and not on the refused list, describe it in your business proofs; the review answers. The refused list is final.
The business on file is the business you run. If the products, the website or the billing model change, the bank and the acquirer both need to hear it from the director before the change goes live, otherwise the file stops matching what was underwritten.
What you have to provide on your side. Spoiler: almost nothing.
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.
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.
What the platform needs to run your account: your email, your Telegram handle, the business proofs you submitted and your invoices. No passport, no proof of address and no selfie is ever requested.
No. The company, the bank file and the applications carry the director's details. Nothing US-based is required on your side.
No. The background check, the credit review and the KYC are on the director. Merchants are reviewed on their business proofs only.
Telegram, the account manager, the director's availability, what happens over time.
On Telegram only. Every package comes with a private group with an account manager, 24/7; IBOCore has no phone line and does not run an email queue.
The group created at delivery for your package: you, your account manager and the director's collaboration channel. Verification calls, signatures, document requests and questions about the package all go through it.
On Telegram, the same day the payment confirms, and the company appears under your companies in the dashboard. The documents, the bank access, the director's contact and the proxy all arrive together.
The channel (t.me/ibocorechannel) carries inventory updates, restocks and announcements. The direct contact (t.me/ibocore) is where you ask questions before creating your merchant account. After delivery, your own private group replaces both for anything about your package.
A document missing, an access that fails, a proxy that does not connect: say so in your private Telegram group and it is fixed. That is what the account manager is there for, and it is covered by the monthly fee.
Nothing changes. The package stays yours for as long as the monthly fee is paid, and the same director and bank account keep serving the MIDs you opened on it.
The document template pack ($499 one-time) ships agreements, invoices and internal templates ready to deploy, and the blog has a checkout terms and policies checklist. IBOCore does not review your legal documents.
Send it on Telegram. A short exchange with the IBOCore team is the fastest way to get your exact scenario answered.
The long answers: one page per situation, from the US merchant account to the US company with a bank account.
Pick a package, pay, receive everything in a few hours, plug it into your acquirer.
No KYC on you. No notary. No travel. Just a USDT or USDC payment and a Telegram handle.
Reference material for operators researching IBO structures, US signers and nominee directors for high-risk merchant account infrastructure. Includes questions specific to the FAQ.
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.
This page answers operational questions we get on Telegram before a first order. The collapsible reference section below repeats core IBO definitions plus FAQ-specific long-tail queries search engines index on this URL.
Message us on Telegram with your vertical, country, target volume and timeline. We reply with processor compatibility, expected reserves and whether your use case fits current inventory.
