13940 Umbria Way

Poway, CA 92064

Mon - Fri: 9:00am - 5:00pm

Hours of Operation


Note from the CEO

InstaMerchant Payments was founded on the concept of addressing the needs of high-risk merchants in all industries. With 15+ years of experience working as a broker, I saw the need for a gateway whose primary focus was bringing multiple solutions to a single platform. Here at MerchantPay, we are always looking to expand and improve in order to offer the most innovative processing experience. We have combined technology with top tier customer service to provide our merchants with a transparent business model. Our integrity is what allows us to establish long-term relations with our clients.  

Thank you,

Stephen Christopher

CEO InstaMerchant Payments

What Makes us Different?

At InstaMerchant Payments , we can say with confidence that we’re the industry’s leading choice for high risk payment solutions – offering multiple solutions, all under one roof.

We work hard to get your business approved fast.

At InstaMerchant Payments , we make accepting credit cards easy for all types of business. With over 15 years of experience in the industry, we are able to access and offer the most trusted merchant processing solutions to all business types, whether local, national, or international. We work with dozens of banks to find the solution that best suits the needs of your business.

We take customer service seriously with 24/7 support.

We pride ourselves on customer service and offer 24/7 merchant support to all our clients. As part of our dedication to customer satisfaction, we also offer services you won’t find with other merchant processing solution companies such as advanced fraud scrubbing, chargeback prevention help, in-depth transaction reports, API integration, and much more.

Our philosophy is focused on offering the perfect solution.

Our philosophy at MerchantPay is to help small and medium sized businesses grow and succeed into today’s increasingly paperless world by offering the most suitable and affordable merchant processing solutions customized for your business.

Through exceptional customer service, a unique range of solutions for all businesses, and our industry expertise, we want to make accepting credit card payments a pleasant and hassle-free experience for all our clients.