iCard360 is a credit card processing and merchant account service provider for merchants, with a focus on small businesses. Its pitch is that smaller merchants whose transaction volume is not high enough to qualify for large-merchant discount rates can still accept credit card payments at a relatively low cost. Use cases include brick-and-mortar retail, online stores, mobile/wireless payments, and mail order/telephone order (MOTO) transactions.
In terms of payment methods, iCard360 supports major credit card brands and can process debit cards carrying Visa, MasterCard, AMEX, Discover, and similar logos. However, these debit cards are processed as credit card transactions, and PIN debit is not supported. The site also mentions support for multi-currency transactions, which may suit merchants expanding into international sales. In terms of industry coverage, in addition to ordinary small merchants, it also claims to serve high-risk sectors such as adult entertainment, travel, pharmaceuticals, gambling, and Web Hosting. On the technical side, the website mentions standalone terminals, wireless, networked, PC-based, and integrated systems, as well as online reporting, but it does not present API, SDK, or plugin documentation.
Pricing is one of the biggest gaps on the website. iCard360 emphasizes βlow costβ and βsome of the lowest rates in the industry,β and says it does not charge setup fees, programming fees, or application fees. MOTO accounts also have a rate structure tailored to card-not-present transactions. However, the official website does not disclose specific transaction fees, monthly fees, equipment fees, chargeback fees, cross-border fees, or settlement timelines, so merchants need to request a quote separately. On compliance, the site says it follows major industry security standards and helps clients meet PCI compliance requirements, but it does not disclose payment licenses, acquiring banks, regulatory registration numbers, or similar information.
The advantages are relatively broad acquiring coverage, especially across retail, online, mobile, and MOTO scenarios, along with 24/7/365 human support. Its support for high-risk industries and multi-currency transactions may also be appealing. The downside is a lack of transparency around key information: rates, settlement timelines, risk-control mechanisms, API capabilities, and qualifications are all short on detail, making it harder for merchants to estimate costs and assess compliance. It is better suited to small U.S.-based merchants, telephone order merchants, offline merchants moving online, and high-risk industry merchants that first need to obtain a merchant account proposal.
The available text does not provide information on access from mainland China, RMB settlement, or account opening for Chinese entities, and network accessibility cannot be determined. If Chinese merchants need cross-border acquiring, they can also compare options such as Stripe, PayPal, Adyen, Worldpay, and Authorize.Net, with particular attention to entity requirements, settlement currencies, chargeback management, and compliance credentials.
β This review is compiled from public sources and does not constitute a purchase recommendation. Verify all facts on the vendor's official site. Verify on icard360.com official site.
icard360.com is an Unknown Payments provider. TG4G tracks its product information, an overall rating of 5.0/10, and a China-accessibility score of Workable. Click "Visit Official Site" to reach icard360.com directly.