You're licensed, regulated, and doing real business — but Stripe shut you down and Square won't touch you. We set up compliant merchant accounts for bail bond agents across Texas. Accept card premiums, run payment plans, take payments at the jail. 24-hour approval, no setup fee.
You're a licensed, legal business. But payment processors see "bail bonds" and run. Here's what you're dealing with — and why it keeps happening.
Both explicitly prohibit bail bond premiums in their terms of service. Get caught using them and your account is terminated with no warning — often mid-month when you need cash flow most.
National processors that do accept you put you in a call center queue. When your terminal goes down at 2am on a Saturday before a big bond, you're on hold listening to hold music.
Bail bond agents who do find processing are often on flat-rate or tiered pricing that costs 3.5–4%. On a $1,500 premium that's $52.50 per transaction straight to the processor.
We work with acquiring banks that have specific programs for the bail bond industry — proper MCC coding (7322), compliant setup, and stable long-term accounts that don't disappear on you.
Visa, Mastercard, Amex, Discover for premiums, fees, and collateral payments.
Set up recurring billing for clients paying their premium in installments automatically.
Wireless terminal or tap-to-pay on your phone — take payments at the jail, courthouse, or in the field.
Send a payment link by text and collect premiums remotely — client pays from anywhere.
Pass the processing fee to card-paying clients legally — potentially $0 in monthly fees.
Text or call Emerson directly at (956) 877-5399 — not a call center queue.
| Monthly Volume | At 3.5% | Cash Discount |
|---|---|---|
| $15,000 | $525/mo | ~$0 |
| $30,000 | $1,050/mo | ~$0 |
| $60,000 | $2,100/mo | ~$0 |
| $100,000 | $3,500/mo | ~$0 |
We work with bail bondsmen statewide — remote setup available everywhere. We're based in the Rio Grande Valley and know South Texas especially well.
No credit pull to pre-qualify. No setup fee. No obligation. Emerson will call you within 24 hours to discuss your options and walk you through the process.