INSTADEBIT

INSTADEBIT is a system that allows you to make payments to merchants directly from your U.S. bank account. The INSTADEBIT system links directly into the U.S. banking networks, allowing you to securely access funds in your bank account to pay for goods and services purchased on the Internet. The service is FREE to the consumer -the merchants are charged a small transaction fee.

INSTADEBIT works the same as writing a check or using your debit card. Your purchases will appear as checks on your bank statement. The easy two-step sign up process only takes a minute and then you are ready to make your purchases.

All identities and accounts are validated through the U.S. banking system and credit bureau, ensuring privacy and security. INSTADEBIT doesn`t require you to fund a separate account or provide your credit card information to online merchants. You simply complete the consumer registration form, enter your banking information and you are ready to pay for your purchases from your bank account. We never share your personal information with merchants, and you won`t ever be asked for your credit card number.

You can review all your purchases made through INSTADEBIT at any time simply by entering your user name and password in the Customer Login box on top of this page. If you have any questions or concerns about your account, our 24/7 customers support center is always ready to assist you.

IT`S FREE TO USE INSTADEBIT

There is no cost to the consumer for setting up an account or using INSTADEBIT to purchase things online. The service is supported by transaction fees charged to merchants. The only charge we ever make to a consumer is for debits on accounts with insufficient funds.

EASY TO REGISTER

Setting up your account on INSTADEBIT is easy. You simply fill in our online form and enter your bank account information. Behind the scenes, our INSTADEBIT Identify system verifies your identity and bank account in real time.

When your identity and account are verified, usually within seconds, you are ready to pay for goods and services directly from your bank account. It`s that easy. Click here to sign up now.

EASY TO USE

Once you sign up, your user name and password allows you to pay for goods and services you buy on the Internet in a matter of seconds. Simply click on the INSTADEBIT payment option on the Web retailer`s site, enter your username and password in the pop-up, choose your account and approve the purchase. It`s that simple.

PRIVATE AND SECURE

Your privacy and security is our number one concern. With INSTADEBIT you don`t need to give your private information or credit card number to merchants on the Internet. All your information is protected by INSTADEBIT. INSTADEBIT will never give your private information to merchants or anyone else without your written permission.

All attempted fraud and identity theft is reported to U.S. law enforcement authorities, accompanied with the geo-location and ISP identifier data that may help physically locate the perpetrators of the attempted fraud.

YOU ARE IN CONTROL

INSTADEBIT allows you to control your money. You don`t need to fund a secondary account. And you don`t create debt with credit card purchases. You can review your transactions at any time by logging into the Customer Access section. Once you log in, you can view transactions between any two dates you choose, so you are always in control of your account.

TRUSTED BY MERCHANTS

INSTADEBIT is trusted by merchants around the World to provide a safe and secure payment service for their customers. INSTADEBIT is safer and more reliable than credit cards. Merchants also know that we have the most sophisticated security and privacy systems available.

TIGHTLY REGULATED

As a participant in the U.S. banking system, INSTADEBIT is in full compliance with the governing regulations. Specifically INSTADEBIT is in compliance with the U.S.

ONLINE SUPPORT

If you want to review your transactions online, please click the "Consumer Login" button on the left hand side of the screen and select the date range under the "Transaction Review" menu.

You can contact us online by Email [email protected]

TELEPHONE

For technical problems, transaction inquiries or to report a lost or stolen password or other security breach, please call our toll free customer support at: Toll Free 24/7: 1-877-88DEBIT. Be sure to have your account information and ID available for identity verification.

FREQUENTLY ASKED QUESTIONS

• Is it really FREE to sign up to INSTADEBIT?
  Yes. You will not be charged anything for signing up to INSTADEBIT. There are no hidden fees, charges or commitments.

• Are there any FEES for paying for online purchases?
  No. We do not charge any fees to the consumer for paying through their INSTADEBIT account. On your bank statement you will see ONLY the amount the merchant charged you for the goods or services. No hidden costs.

• How will purchases I make using INSTADEBIT appear on my bank statement?
  All payments made using INSTADEBIT will appear on you bank statement with this in the item description: INSTADEBIT.com 1-877-88DEBIT

  The INSTADEBIT web site and our toll free phone number are there to help you contact us in case you have any questions about the charges. The exact statement will vary depending on how many characters your bank allows for statement descriptions.

• What information do I need to supply to open an account?
  To open an account you will need to provide your basic identity (Name, address, telephone) as well as your Social Security Number, Date of Birth and Drivers License number.

• Why do I need to provide my Social Security Number?
  This is done to protect your security. We use your Social Security Number (SSN) to verify you identity. Since most of your other information is readily available in telephone directories or on the Internet (Name, address etc.), we need some Identification Documentation that is not publicly available. The INSTADEBIT Identify system can match your name and your SSN number to ensure that someone else isn`t pretending to be you in an attempt to defraud.

• Are there any hidden fees for the Consumer?
  No. INSTADEBIT does not charge any transaction or account setup fees. The only fees charged are for insufficient funds.

• Why do you need my date of birth?
  This is done to protect your security. Your date of birth is another piece of information that is not generally available through public sources. We use your date of birth to verify your identity by matching it against a number of databases maintained by the Debit Bureau and other sources. This is another example of information that protects you from identity theft.

• Can INSTADEBIT access my account without my knowledge?
  No. Only transactions initiated by you can be sent through the Instant Funds Transfer (IFT) System.

• Can merchants make withdrawals from my account?
  No. The consumer MUST initiate all transactions. You must either authorize by entering your INSTADEBIT user name and password, or by signing up for your account. Since the merchant is never supplied with any of your information, they cannot initiate transactions without your approval.

• What do I do if the merchant doesn`t deliver the goods or services I purchased using INSTADEBIT?
  We recommend that you first contact the merchant to resolve the dispute. If you need additional help, then you should contact the INSTADEBIT Customer Service Group. INSTADEBIT carefully monitors merchant behavior to identify any misconduct. Our Merchant Services Group will suspend or disconnect any merchant that is not conducting business in an honest and forthright manner.

• How do I review the transactions I have made through INSTADEBIT?
  You always have access to your complete transaction history. Simply log in to your account and click on the "Transaction History" link in the navigation. If you are having trouble finding the transaction history, you can contact customer service. If you cannot remember your password, it can be retrieved by clicking the "Forgot Password" link directly under the login box.

• I get the "Unable to Complete Account Sign-up Process" message when I try to sign up for a new account. What is wrong?
  The above message appears if the INSTADEBIT IDentifyTM system detects inconsistencies in the ID or account verification process. Please contact the Customer Service Group to resolve this issue. They may ask you to fax additional documentation to verify your identity. We recognize that this process is more time consuming. However, please keep in mind that our anti-fraud system is designed to protect YOU from fraud and misuse of your personal information.

• I don`t have a state drivers license. Can I still sign up for an account?
  Yes. The state drivers license is an optional field in the sign up process that provides you with additional protection. You may be asked to fax or provide additional data to complete the sign up process, but a state drivers license is not mandatory.

• I have Pre-Registered for an account. How do I make a payment to a merchant?
  INSTADEBIT is a direct payment system. If you have registered your account and obtained a login name and password you can now go to the merchant site to complete the purchase. When you get to the merchant checkout, click on the INSTADEBIT payment option. A new window will appear asking you to enter your user name and password and approve the transaction. This information is all handled through the INSTADEBIT system - the merchant does not see your user name or password. Simply approve the transaction and INSTADEBIT will electronically inform the merchant that payment has been made. The merchant will then deliver the goods or services purchased.

• How do I change my personal information?
  You can update your personal information at any time by logging into the system in the Customer Access box and clicking on the "Update Personal Information" button.

• Why was my registration declined?
  If you are having problems registering your account, this could be due to some inconsistencies in the data you entered. We check your information against the debit bureau records as well as several banking system databases to ensure that the information matches with their systems. If you are having problems please check the following:
  

  • That you have not mis-typed any information

  • That the address you entered is the same as that on your checks from your bank.

  • That your Social Security Number is correct.

  • That your bank account number and routing (ABA) number are correct

  If you do not see an answer to your question above, please contact our Customer Service Group through the "Support" section of the site.