Rent an IBO, a real US director for your merchant account.

Renting an IBO means contracting a US-resident Independent Business Owner who will be listed as the director and signer of a US legal entity opened on your behalf. The entity, the bank account and the merchant account are owned by the IBO on paper; you operate the business commercially. The relationship is contractual, exclusive, and governed by a service agreement that prevents any interference with your operation.

Two pricing tracks. White-Hat package: $1,999 setup fee, then a flat $4,499 monthly retainer starting 30 days after delivery. Grey-Hat package: $2,499 setup fee, then a 9% revenue share on deposit volume. The setup fee covers entity formation, EIN, bank account, KYC dossier and same-day delivery. The recurring fee covers the IBO's ongoing availability for verification calls and signatures.

Same-day. Every IBO published in the inventory is fully constituted before it goes live: entity registered, EIN issued, bank account opened, KYC documents pre-collected. From the moment you complete checkout to the moment you receive the credentials, expect under 24 hours.

Yes, when structured correctly. A nominee director arrangement is a standard corporate structure recognised in every US state. The IBO is a real US resident, the entity is a real US LLC or C-Corp, the bank account is a real US business account. What is NOT legal, and what IBOCore explicitly forbids, is using the IBO to operate prohibited verticals (controlled substances, weapons, money laundering, etc.). Acceptable verticals are listed on the Industries page.

Yes. The IBO comes with a clean processing history, which is exactly what acquirers want to see. Most operators rent an IBO precisely to add a new MID with a familiar acquirer (Stripe, Adyen, Worldpay, Checkout.com, etc.); the IBO is the legal vehicle that opens the door to a fresh underwriting file.

Yes. Most clients run several in parallel: one MID per IBO, distributed across acquirers, to spread processing capacity and reduce concentration risk. The inventory shows live stock; you can stack as many packages as your operation needs.

The IBO carries the corporate liability of the entity (which is the legal owner of the merchant account). Chargebacks, fees and disputes flow through the entity. The IBO is contractually committed to forwarding correspondence and signing whatever the acquirer needs. They do not bear personal liability beyond what is normal for a US director, because the entity itself is the responsible party.

No. The IBO is the lawful director of the entity. As far as the acquirer, the bank, and any regulator is concerned, the IBO is the operator. The service agreement between you and the IBO is private and not disclosable in standard onboarding. This is the same posture used by thousands of legitimate consulting and franchise structures.