NETbilling

What NETbilling is

NETbilling, Inc. says it has provided multi-currency transaction processing, merchant accounts and call center services to thousands of clients since 1998. It operates from Valencia, California, and its About page says it serves clients in the US, Canada and the EU, processing credit cards, debit cards, electronic checks and telephone orders. Its lines of business are merchant account acquisition, a payment gateway and a full-service call center. The About page names adult among the high-risk sectors it has specialized expertise in, next to firearms, tobacco, CBD and gaming, and the merchant account page repeats that for operators in high-risk industries.

For a site operator the offer centers on a merchant account held directly with a bank, plus the billing and support layer around it.

What it sells an operator

Merchant accounts come first. NETbilling states that it works with dozens of acquiring banks worldwide and has dozens of direct bank and ISO relationships that let a merchant open an account domestically or offshore. Its in-house staff steers each merchant toward a bank that matches its processing needs, and the pages say the merchant owns its customer data and has a direct relationship with the bank. The pitch contrasts this with pooled third-party processors that set the merchant's fraud rules and put their own name on payment forms and statements.

The payment gateway handles major credit and check cards, online checks, toll-free phone orders and multiple currencies, and the home page adds Apple Pay and Google Pay. The merchant agreement covers Visa, MasterCard, American Express, Discover, JCB and Diners Club Carte Blanche cards as well as ACH, and the gateway and merchant account pages both claim 99.999% uptime. A virtual terminal covers manual and recurring entry. Recurring billing includes password management, prorating and trial memberships for both cards and ACH, with subscribers able to cancel through dynamic self-service cancellation URLs. The admin area manages several websites, merchant accounts and price points from one place, with blacklist and negative-database controls, decline rules and email receipts.

Fraud control runs through Fraud Defense. The comparison page lists AVS and CVV2 checks as standard plus 12 supplementary webmaster tools, including public and private negative database screening, and says the merchant can customize the scrubbing. The gateway also lists chargeback record retrieval, dispute management and dispute notifications, and tools meant to help a merchant stay under VAMP thresholds.

Integrations are a practical strength for adult operators. NETbilling names NATS, MPA3 and dozens of other programs for partner-program tracking, and a proprietary built-in program. Its partners page lists paysite and membership tools, among them a pay-site CMS platform that it says NETbilling plugs into for on-demand content purchases, pay-per-view and pay-per-download sales, plus BunnyCMS, Lime Light CRM, Chargebee, Password Sentry and Pennywize for access protection, WHMCS and Ubersmith. Shopping-cart compatibility is said to cover 3dcart, OScommerce, X-cart, Shopify, Bigcommerce and Miva, with a plugin for WooCommerce and Easy Digital Downloads. The page also describes a credits plugin route for a WordPress live-video chat script.

Terms that decide the choice

Adult policy. The pages publish no acceptable-use list for adult content. Adult is named only as one of the high-risk specialties, with no adult-specific underwriting rules set out. The merchant agreement carries the clauses an adult site meets: the merchant agrees to abide by state and federal rules on U.S. Code Section 2257 compliance, COPA, the DMCA and content and product ownership, and holds NETbilling harmless for any breach of them. Any rebilling must be disclosed on the signup page before the secure join form and in terms linked from the site, and a merchant that gives no refunds must print "no refund" or similar wording on its order form. The agreement also sets service duties: a merchant must show easily accessible customer service contact details labeled for customer service and cancellations, and post those on several pages of its site that are not password protected. It also calls it highly recommended that the company name shown on the card statement appear throughout the site.

Fees. As read in October 2026, the Why NETbilling page lists extremely competitive rates with no setup or application fees, with volume and tiered pricing discounts and a free terminal program. The merchant agreement, however, refers to a sign-up or setup fee and monthly fees selected in the online signup form, and the general pages print no amounts for either; the one figure is on the agent page, which says the setup fee is discounted to $99 for merchants an ISO or agent brings in. Once setup on NETbilling's transaction server is complete, the agreement rules out a refund of setup costs. The same agreement applies a late fee of 5% of the past due amount per month on payments not received within 15 days of the due date, and it says repeated late payment may lead NETbilling to require a reserve in an amount at its discretion. Check processing is described as costing an average of less than 5%.

Payout and contract. The comparison page says NETbilling deposits funds daily to the merchant's own bank account, over 300 pay days per year. Under the agreement the merchant keeps records, may be charged for NETbilling's costs when it must retrieve documents or attend proceedings tied to a transaction, and agrees to a 6-month non-circumvention period after termination covering NETbilling's vendors. NETbilling may amend the agreement on not less than 10 days' notice, and California law governs. The agreement runs until either party ends it by written notice; after termination, with no balance outstanding, the merchant can ask for a one-time export of the data NETbilling collected. Disputes go to binding arbitration in Los Angeles under the rules of the American Arbitration Association.

Chargebacks. Read in October 2026, the home page claims its Fraud Defense tools and call center prevent 99% of customer chargebacks and transaction fraud, which is the vendor's own claim. Reserve terms for the underlying bank accounts are not published.

Getting started and support

An operator starts with the Get Started form, choosing among merchant account acquisition, online or mobile processing, in-person processing and call center services. Each client is paired with a dedicated account manager for setup, implementation and ongoing support, and NETbilling says its changeover process includes database imports from the previous processor. The home page promises 24/7/365 support by phone, live chat and email. The call center is owned and run in Valencia, California, not outsourced overseas, and it handles billing inquiries, order verification, cancellation requests, retention offers and outbound campaigns. NETbilling issues a toll-free number, a direct number and an email address for the merchant's site and card descriptor, and agents work within the policies the merchant sets. The call center is also open to businesses that do not use NETbilling for processing. For existing merchants, the contact page lists separate sales, accounting and support mailboxes, a knowledge base and a ticket desk.

Company and track record

The home page points to 1998 as the starting year, and the management section of the About page names a co-founder and CEO who began NETbilling while running his own e-commerce sites and has more than 25 years in payments, a chief sales director and a controller who joined in October 2003. Testimonials on the home page come from long-time clients, some running what they call high-risk sites, who describe switching processors, using the call center and keeping chargebacks low. They are the vendor's own selection.

Who it suits

NETbilling covers adult payment processing and high-risk merchant accounts in one vendor, which suits an operator who wants a bank-held account, a membership-aware gateway and a human support desk from the same supplier. A paysite already using NATS or one of the listed content platforms gets the clearest fit. The caveats: the pages publish no processing rates, no reserve terms for the bank accounts and no adult rules beyond naming adult as a specialty and the 2257 clause, and an operator who wants a purely self-service signup will go through sales. The strength is a long-running company that keeps the merchant account, gateway and call center under one roof.