How do i get a MID or IBO set up
- Thread starter Kinoleo
- Start date
jskinnerd
Regular Member
- Jul 21, 2023
- 205
- 299
The solution is to find a merchant provider, stick away from big names, you'll have a better experience with most local guys.
You'll need either an LLC or be willing to use your own name as a sole-proprietorship. They'll give you a pre-application which gets sent to underwriting who ultimately gives the red or green flag for your account.
If you provide payment processing history, you can get higher limits than ~10k/month, otherwise they'll look at you like a startup and start you low. Which might not be an issue for you if you're fine with building up your limits over the lifetime of the account.
Stay away from 10 page long contracts and find someone who isn't selling snake oil. You'll know it's fake when they claim you don't need KYC.
Oh and they'll do a credit check on you.
Also if your rep isn't a complete psychopath dickhead, treat him like he's your lawyer, because at the end of the day both you and him are getting paid. So don't lie on the pre-app!
Hope this helps.
You'll need either an LLC or be willing to use your own name as a sole-proprietorship. They'll give you a pre-application which gets sent to underwriting who ultimately gives the red or green flag for your account.
If you provide payment processing history, you can get higher limits than ~10k/month, otherwise they'll look at you like a startup and start you low. Which might not be an issue for you if you're fine with building up your limits over the lifetime of the account.
Stay away from 10 page long contracts and find someone who isn't selling snake oil. You'll know it's fake when they claim you don't need KYC.
Oh and they'll do a credit check on you.
Also if your rep isn't a complete psychopath dickhead, treat him like he's your lawyer, because at the end of the day both you and him are getting paid. So don't lie on the pre-app!
Hope this helps.
Last edited:
Kinoleo
Registered Member
- May 31, 2024
- 87
- 16
I am focused on USA, 10k~ turnover a month, planned to take it to 50k, so around 5 times what we doing rn, avg is around 250-300$, i have used stripe but they obv are not good and yes got banned, chargeback should be less than .1%.
Last edited by a moderator:
ZeroDayHunter
Junior Member
- Oct 26, 2024
- 117
- 32
Forget the acronyms for a sec - what kind of business are you running and what payment volume are we talking about? That'll seriously change the options.
reviewFixer
BANNED
- Mar 12, 2025
- 201
- 88
Mate, MIDs are not just handed out like that, lol.
First step, how much volume PCM do you have and whats your chargeback and refund rates historically?
AlyssaIBOSource
BANNED
- Feb 27, 2026
- 3
- 0
Before jumping to a MID or IBO, the first question is: why are you having processing issues?
If it’s declines or shutdowns, the root cause usually matters more than the entity location. Processors look at:
- Business model risk
- Chargeback ratio
- Fulfillment method
- Marketing claims
- Banking structure
A MID (Merchant ID) is simply a merchant account issued by an acquiring bank. You don’t “buy” one — you qualify for it through underwriting.
An IBO structure can help with proper corporate setup in some cases, but it won’t fix risk profile issues by itself.
If you’re targeting U.S. payments, you can:
- Apply with a U.S. acquirer (if you qualify)
- Use an EU entity with a cross-border acquirer that supports USD
- Work with a legitimate high-risk processor if your model falls into that category
The key is making sure your setup is compliant and sustainable, not just approved temporarily.
What industry are you in? That will determine the best direction.
Ascot_international
BANNED
- Apr 23, 2025
- 73
- 19
Depend on the industry that you are doing business in, the setup that you have (corporate), the profile and the risk, the credit score... so many variables. If you share some more info, we may try to recommend you someone.
ZoeCharlotte
Newbie
- Nov 7, 2025
- 23
- 5
Apply directly with a high-risk merchant account provider or ISO that can sponsor you for a US MID (they’ll underwrite your business, volume, and chargeback history).
AllonaIBOSLLC
BANNED
- Mar 5, 2026
- 27
- 2
If you want a US MID, you need a US domestic presence. Period. If you don't have an LLC/EIN, stick to EU high-risk processors—they handle US payments fine as long as they have 'global acquiring' enabled.
Skip the IBOs unless you're doing very low volume and need to move fast. For a real MID, clean up your site’s compliance first (T&Cs, clear billing descriptor, etc.) or you'll get rejected instantly. How many chargebacks are you averaging? That's the first question any real processor will ask you.
which EU processors do u suggest?
lucas999
BANNED
- Oct 28, 2025
- 205
- 60
There many like viva payment and zen
AllonaIBOSLLC
BANNED
- Mar 5, 2026
- 27
- 2
You could look at Adyen, Nuvei (SafeCharge), Novalnet, or Worldline/Ingenico—they all support EU acquiring with US card acceptance if your compliance and chargeback rates are clean.
JasmineSmit
BANNED
- Jul 24, 2026
- 55
- 4
Can we know what industry are you working in and what is your CB ratio and monthly volume?