Bail Bonds Merchant Account

At PaymentCloud, we provide state of the art credit card processing for bail bondsmen throughout the United States!

  • Fast Processing
  • Instant Access to Funds
  • Secured Transactions
  • Convenient Payment Methods
  • Knowledgeable Account Managers
  • Competitive Rates

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What Is a Bail Bonds Merchant Account?

A bail bonds merchant account authorizes businesses within the bail bonds industry to accept credit and debit card payments. Despite the industry's essential role in the United States justice system, bail bond businesses struggle to find merchant account providers willing to facilitate their payments. However, not all hope is lost—PaymentCloud has connected thousands of bail bond merchants to credit card processing services!

graphic of receipt, merchant agreement, & money representing bail bonds merchant services

A tobacco merchant account enables retailers to receive payments made with credit and debit cards for their products. However, opening a tobacco merchant account can be difficult due to the high-risk nature of the industry. At PaymentCloud, our representatives are experts in the tobacco industry and can assist you with obtaining a merchant account. Our payment solutions are personalized around your business’s specific needs and operations.

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Why Is the Bail Bond Industry Considered High Risk?

Bail bonds businesses face various risk factors, which increase the financial exposure of payment processors offering them services. Within the bail bonds industry, the likelihood of chargebacks is high. This fact alone does not appeal to payment processors, as chargebacks cost processors time and money.

Because the bail bonds industry sits within an ever-changing regulatory environment, its legal constraints are subject to change. Likewise, bond regulations vary from state to state, posing a set of unique state-specific risks to traditional payment processors.

Risks of Standard Payment Processors

It’s not just major payment processors that are averse to servicing businesses within risky industries. Payment service providers, which typically do not offer services to high-risk businesses, mandate strict user policies that may change without warning. Clients of payment service providers may see high payment processing fees, have less control over their payment processing accounts, and face various other challenges.

With a high-risk merchant services provider, you’ll be working with processing banks familiar with industries that have high chargeback rates, high monthly volumes, long fulfillment times, etc. You should partner with a provider that really understands your business—and at PaymentCloud, we really understand!

What Is Required for a Bail Bond Merchant Account?

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Bail bondsman state license

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Business license

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Business bank account

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Employer identification number (EIN)

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Completed merchant account application

Bail Bond Merchant Account Types

The type of merchant account you should apply for depends on your business operations and desired payment methods. When applying for a bail bonds merchant account, two account types are available to you: retail and over-the-phone.


A retail merchant account is most suitable for businesses that normally take payments in person. After obtaining an account, you can expect to receive a comprehensive point-of-sale system or terminal of your choice. And in terms of hardware, the options are endless! We offer cash drawers, full countertop systems, portable card readers, and more.


Another common merchant account for bail bond businesses is a MOTO merchant account. This type of account equips your business with a virtual terminal, which enables you to collect payment information over the phone and input that information manually. With this type of merchant account, you can offer convenience to clients in otherwise complicated situations.

Benefits of Bail Bonds Payment Processing

By paying bail bonds, defendants get out of jail while they await their day in court. For any bail bond business to run smoothly, they must collect payments from the defendants. A few benefits of a bail bonds merchant account include:

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Increased Sales:

If you cannot accept credit cards, you may miss out on sales from customers who only use cards.

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A bail bonds merchant account allows remote customers to transfer funds to your business account instantly.

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With fraud detection and encryption tools, you can be sure that your transactions are protected.

Why Choose PaymentCloud for Bail Bond Credit Card Processing?

At PaymentCloud, we've built a reputation as the payment industry's most reliable high-risk merchant account provider. We’ve partnered with various bail bondsman businesses to provide affordable and convenient payment solutions. Do not underestimate the power of partnering with a credit card processor you can trust to facilitate payments for your business!

Bail Bonds Software Integrations

Our payment solutions easily integrate with thousands of software platforms. If you need a payment processor incorporated with your bail bonds software programs, we can help! At PaymentCloud, our software integrations allow you to combine world-class bail bonds software with industry-leading payment solutions like Authorize.Net, NMI, WooCommerce, BigCommerce, and more.

Contact us today to discuss how we can help you utilize payments within your bail bondsman software. Our modern bail bonds merchant accounts offer so much more than standard payment systems!


Do bail bondsmen take credit cards?

Yes. Many bail bondsmen agencies accept credit card payments.

How do I start a bail bonds business?

To start a bail bonds business, follow these few steps:

  1. Research state regulations.
  2. Ensure you meet the requirements to become a bail bondsman.
  3. Take the pre-licensing course.
  4. Pass the bail bonds license exam.
  5. Apply for a state license.
  6. Find a reputable surety company.
  7. Register your bail bonds business.
  8. Open a high-risk merchant account.

Can you use a debit card for a bond?

With a bail bonds merchant account, you’ll be able to accept debit cards from your clients. Speak with your merchant account representative about accepting debit cards.

Do you need a license to be a bail bondsman?

Yes. It’s required that you obtain a bail bonds license if you wish to open a bail bonds business. Refer to your state regulations regarding the requirements.

How do bail bond agents get paid?

Typically, a bail bond agent charges a non-refundable premium that is 10% of the bond. For example, if a bond is $100,000, the defendant pays the bondsman $10,000. Once paid, the bail bonds agent will post bail on behalf of the defendant.

Ready To Get Started?

If you’re ready to get your bail bonds business set up with a reputable merchant service provider, there is no better choice than PaymentCloud! Our representatives are ready when you are!

What Our Merchants Say

With a proud average of 4.8 stars across all review sites, PaymentCloud excels in solutions and support. But don’t take our word for it! Here’s what our merchants have to say: