Providing High Risk Merchant Account Services and Offshore Merchant Account Solutions.

Frequently Asked Questions

Frequently Asked Questions

What are high risk merchant accounts?

High risk merchant accounts are for certain businesses that are considered to be riskier. For example, a business that may be prone to a high rate of chargebacks or fraud etc.

What cards can we accept with Offshore Merchants?

You are able to process Visa and MasterCard credit/debit cards. You may also able to process American Express and Discover which depends on your industry.

What are the rates?

The rates and fees depend on your type of business, monthly processing volume and risk. Most rates range from 3%-7%.

How long does it take to be approved?

Once you provide us with the proper documentation, approval generally takes place within 4 to 8 days. This is especially true on lower volume accounts as you will usually be able to process within a day of signing up.

Can I expect a rolling reserve?

As is customary with high risk accounts you should probably expect to have a reserve account. They are typically 10% rolling reserves for 6 months. Here is how they work. Out of each batch 10% of the gross is set aside in a reserve account. On the 7th month the funds are released to you for the first month, on the 8th month for the second month, etc. This is a continuous cycle. As good processing history occurs over time this may be reevaluated.

Is there a credit check?


Do you accept merchants from outside the USA?

Yes, international merchants are welcome.

Are there any processing limits?

No! We welcome high volume credit card processing merchants in any type of legal business with a clean processing history. If you have been terminated by another provider because of high volume then you have come to the right place.

Contact one of our helpful account representatives to assist you in the setup of a high risk merchant account or offshore merchant account for a high risk merchant.

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Offshore Merchants Team