Instant Bank Direct Debit

Get paid faster. No charge-backs. 24 hour activation. Less expensive than credit cards.


At checkout, the buyer will identify their bank from a directory of over 3,000 US banks and credit unions. It’s the same interface you’d see if you were to log in to your own bank’s online portal. To reduce the risk of losing the sale, shoppers are never diverted from website checkout page.



The buyer will log into their bank’s secure online portal with the same User ID and password they’ve always used in the past. There is no need to enter a routing number or account number. This feature makes bank direct debit faster, more secure and easier to use than credit cards online.


The online shopper confirms the dollar amount of the purchase by and it’s done. The transaction is completed within seconds.

Funds settle in the merchant’s bank account the same day (or within 24 hours depending on the bank).



If a merchant sells cannabis, hemp flower (including pre-rolls), CBD, kratom, pipes, bongs or paraphernalia or any type of federally regulated products — we do NOT need; bank statements, lab COAs, proof of URL domain name ownership, utility bill, etc., etc.

None of those documents are required.

All we need are signatures on the enrollment documents. The business name must match the name on the bank account. Instant Bank Direct is typically activated on the same day of receiving an application or within 24 hours.

Perfect For All High-Risk Industries & Restaurant Take-out

Get Approved Same Day
$ 30
Monthly Fee (includes payment gateway)
  • 3.25% Discount Rate *Applies to a shopper's first transaction only. Afterwards, only $0.49 cents.
  • The Discount Rate applies only to the customer's first purchase. Does not apply to future transactions.
  • $0.49 cents per transaction. *After a customer's first-time purchase only this transaction fee is applied.
  • Integrates with over 170 popular website design builders
  • Same day settlement of funds (depending on the time of purchase)
  • Unlimited daily, weekly & monthly transaction volume
  • Eliminates all risk of customer dispute charge-backs
  • Perfect for Marijuana Dispensaries (customers pay online and pick-up with proof of ID)

Acceptable Products

Credit cards are not accepted nor involved with Instant Bank Direct Debit.
Instant bank direct debit is the only eCommerce payment acceptance solution that permits the online sale of ANY legal product or service including cannabis, kratom, CBD, pipes, bongs, paraphernalia, cryptocurrency, and more.

Same Day & 24 Hour Approval

100% in-house underwriting. No credit check. No mountains of paperwork needed.

Integrates With Popular Website-builders

WordPress, WooCommerce, Shopify, Wix, PrestaShop, 3dCart, Big Commerce, Magento, and many more.

Easy 'Click & Pay'

Online shoppers enter their bank account User ID & password, verify the amount of the purchase, and 'click-to-pay'.

COVID-19 put over 45 million Americans out of work and in the unemployment line. Online shoppers don't have the money to pay for their purchases. In July 2020, Visa & MasterCard report consumer charge-back disputes skyrocket to an all-time high of 20% to 50%.

Instant Bank Direct Debit is the only online payment acceptance solution that offers 100% protection against consumer charge-back fraud.

Payment industry journals report a historic increase in fraudulent consumer credit card chargebacks. Millions of consumers lost their job during the coronavirus pandemic. They're purchasing goods and services they cannot afford. April 2020
Card brand report a historic 20% up to 50% spike in credit card charge-back disputes between March and July of 2020.

Credit card charge-back fraud against merchants skyrock during the COVID-19 pandemic.

Digital Wallet Adoption Surges Across Eight Markets; via @YahooNews

A few months ago, Facebook announced $100M in cash grants and ad credits for SMBs. It later introduced Facebook Shops to help SMBs sell online. And today it announced a new product to monetize classes and online events.

“…dispute volumes have increased anywhere between 10% and 50% compared to pre-COVID levels.”

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