Motile

Merchant Services For Your Business

Online Lender Merchant Services

Definitive Solutions for State Licensed, Choice of Law, & Tribal Loan Providers

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Secure Complete Coverage

Online lenders are classified by banks as “high risk” businesses. This classification means that most payment processors are afraid to take them on, and if they do they’re given a high risk merchant account designation.

We work intimately with some of the best global providers of online lender merchant accounts, and we’re prepared to open these doors for you. Regardless if you run a state licensed, choice of law, or tribal business operating in payday or installment loans – it doesn’t matter. We cover it all.

Online lending is not one business, it is several, and underwriters treat each differently. State-licensed lenders operate under the consumer-finance laws of each state they lend in. Choice-of-law and tribal lending models rely on a different legal framework, and processors weigh them separately when assessing risk. Whichever model you run, a specialist can match you with an acquirer comfortable with your structure, rather than the flat “no” you get from mainstream processors.

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Best Industry Rates

Contact us for a FREE rate comparison

This isn’t simply a marketing ploy – we know that our rates compete with any providers out there working with online lenders. We’re ready to prove it to you too.

Our exclusive connections with top guns in the high risk merchant service world allow us to get you the most bang for your buck. Get in touch, and find out how much money we can save you on your payment processing.

Straight talk on pricing: lending accounts are priced interchange-plus (the card networks’ cost plus a fixed markup), with monthly, gateway, and PCI fees, and almost always a reserve. A reserve is a share of your volume the processor holds back to cover future chargebacks and refunds, released on a rolling schedule. The percentage and hold period depend on your risk profile and history, and typically step down as you build clean processing. Anyone quoting a firm low rate before seeing your history is guessing.

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Multiple Processing Avenues

Every business is unique. A payment method that works for one company won’t necessarily be effective for another – a reality that has led to the creation of new merchant processing channels across the globe.

Today, there are more ways to process transactions than ever before. For online lenders, we have solidified three effective solutions (each with best of industry rates):

  • ACH (Automated Clearing House)
  • eChecks and Check 21
  • Debit Card Processing

For lenders, the payment rail matters. ACH (bank debit) is usually the backbone of loan repayment: it is far cheaper per transaction, ideal for scheduled installment payments, and carries lower dispute exposure than cards because returns run through NACHA rather than the card dispute system. The tradeoff is NACHA’s authorization rules and return-rate thresholds, which work much like card chargeback limits. Cards add convenience for one-time payments, so many lenders run both.

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Easy Application, Fast Approval

Applying for a high risk merchant account is a more rigorous process than it is for members of low-risk industries. However, we’ve managed to cut things down to the absolutely necessary elements, and the end result is an effective, easy application that will help you get vetted in no time.

Enabling online loan companies and other high risk businesses to open bank accounts is something we pride ourselves in. We’ll handle most of the footwork throughout the process (which is no problem since we’re familiar with the intricacies involved), and let you direct your energy toward more pressing matters.

Approvals move faster when your file is complete. Have ready: business registration and owner ID, any state lending licenses, a live website with clear terms, rates, and privacy and refund policies, your loan and repayment disclosures, and three to six months of processing statements if you have them. A clean, complete application is the difference between a quick approval and weeks of back-and-forth.

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Proven Options for Tribal Lenders

Banks are skeptical of tribal lender applications, largely due to the deregulated nature of businesses operating on reservations. Since the U.S. government allows Native American tribes autonomy when it comes to business practices, it’s easy to see why banks are extra careful (or flat out refuse) to furnish native merchant services to loan companies.

Whether you’re running a tribal lending enterprise or working in tandem with one, we’ll be able to place you with a reliable provider who is ready to take on your business. Not only that, but you’ll be getting charged a lot less for processing by us than your competitors.

Because lending draws disputes and regulatory attention, underwriters watch two things closely: your compliance and your chargeback ratio. On disputes, Visa’s VAMP program tightens the merchant “excessive” threshold from 2.2% to 1.5%, effective April 1, 2026 (Merchant Risk Council), so staying well below it with clear billing descriptors, recorded consent, and clean repayment disclosures protects your account. On compliance, keep your licensing current and your loan terms transparent, since acquirers increasingly want proof before approval.

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Motile

Merchant Services For Your Business