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Instabill

Instabill

Cannabis and high-risk merchant categories

VS

CatalystPay

High-risk merchant processing

CatalystPay
Fees from
2.5-3.5% for high-risk categories vs Interchange + 1%–2% + €0.3
Features

1 shared

8 unique to CatalystPay
Regions

1 shared

4 unique to CatalystPay
Pay methods

3 shared

1 unique to Instabill · 9 unique to CatalystPay
On settlement

Not enough published data on settlement speed for a fair verdict — open the full specs below for reference.

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Show full specs
9 features · 13 payment methods · 5 regions. We don't rank these — they're here for reference.
Instabill Instabill
CatalystPay CatalystPay
Quick Facts
Fees
Standard transaction rate
2.5-3.5% for high-risk categories
Interchange + 1%–2% + €0.3
Settlement
Time to receive funds
—
5–7 business days
Founded
2005
2019
Headquarters
United States
Belfast, United Kingdom
Sandbox / Test Mode
—
✓
Webhook Support
—
✓
Features
CatalystPay leads (9 vs 1)
Crypto Support Unique
—
✓
Enterprise Unique
—
✓
High Risk Accepted
✓
✓
Low Fees Unique
—
✓
Mobile Payments Unique
—
✓
Multi Currency Unique
—
✓
Recurring Billing Unique
—
✓
Recurring Payments Unique
—
✓
Virtual Terminal Unique
—
✓
Payment Methods
CatalystPay leads (12 vs 4)
Ach Unique
✓
—
Apple Pay Unique
—
✓
Bitcoin Unique
—
✓
Cartes Bancaires Unique
—
✓
Credit Card Unique
—
✓
Debit Card
✓
✓
Direct Debit Unique
—
✓
Google Pay Unique
—
✓
Lightning Network Unique
—
✓
Mastercard
✓
✓
Sepa Direct Debit Unique
—
✓
Unionpay Unique
—
✓
Visa
✓
✓
Regions
CatalystPay leads (5 vs 1)
Europe Unique
—
✓
Global Unique
—
✓
Middle East Unique
—
✓
North America
✓
✓
Southeast Asia Unique
—
✓

Instabill is best when you...

Cannabis and high-risk merchant categories
View Instabill

CatalystPay is best when you...

High-risk merchant processing
Need Crypto Support
Not available with Instabill
Need Enterprise
Not available with Instabill
Want coverage in Europe, Global, Middle East, Southeast Asia
Instabill doesn't cover these regions
View CatalystPay

Frequently Asked Questions

What is the difference between Instabill and CatalystPay?
They share 3 payment methods and 1 region. Instabill adds ACH that CatalystPay does not list; CatalystPay adds Apple Pay, Bitcoin, Cartes Bancaires and 6 more that Instabill does not list; CatalystPay also covers Europe, Global and 2 more; only CatalystPay offers Crypto Support, Enterprise and 6 more.
Which is cheaper, Instabill or CatalystPay?
Instabill has published rates from 2.5-3.5% for high-risk categories; CatalystPay has published rates from Interchange + 1%–2% + €0.3. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Instabill and CatalystPay?
Instabill lists 1 region and 4 payment methods; CatalystPay lists 5 and 12. both cover North America. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Instabill and CatalystPay compare on integration and settlement?
CatalystPay offers a sandbox, Instabill does not list one; CatalystPay supports webhooks; CatalystPay publishes a settlement time of 5–7 business days.

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