Offshore Merchant Accounts: Can I get one with a US business?

Feb 29, 2012
Offshore Merchant Accounts: How do they work?

Many high-risk businesses have questions about offshore merchant accounts and how they work. Getting an offshore merchant account can be very difficult and there are many misconceptions in regards to what an offshore merchant account really is.

First off, not all high-risk online businesses need an offshore merchant account. Some sites such as adult, online gaming, online pharmacies, and online tobacco may require an offshore merchant account.

Offshore Direct Merchant Account vs. 3rd Party

A direct offshore merchant account allows you to completely integrate the checkout process into your website and your customers will see your business name on their credit card statements. These accounts also allow for a faster transfer of funds into your bank account.

Getting a direct merchant account from an offshore bank in Europe, Hong Kong or any of the other common banking countries often requires that the business has a corporation set up overseas.

If your business does over $150,000 per month in credit card volume, then we can help your business get set up with an EU corp and a direct offshore merchant account.

If your business does under $150,000 per month in credit card volume, then a 3rd party merchant account is better suited for your high-risk business. A 3rd party merchant account sends your customer to a secure website to check out and they will see the 3rd party company name on their credit card statement.

The rates for a 3rd party processor are much higher than a direct merchant account. At we can help you get the best rate for your 3rd party merchant account.

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Having a merchant account allows an account holder to take advantage of merchant cash advances. When a merchant is approved for an advance, the business agrees to receive a lump sum of cash in exchange for an agreed-upon percentage of future credit card sales.

Pricing varies depending on the merchant’s industry, past credit card processing history, the type of business seeking the account, average ticket sales, and average transaction volumes.

Yes, EMB works with merchants who are building their credit, as well as those who have poor credit. EMB also approves merchants that have no credit card processing history and businesses that have lost their merchant accounts due to high chargebacks.

Several factors influence a merchant’s risk level. Though only one factor likely will not get a merchant classified as high risk, a combination of these may: business size, location, and industry, credit score, credit card processing history, a industry’s reputation for excessive chargebacks, a prior history of high chargeback ratios, and whether a merchant exclusively sells online.

Virtual terminals are stationed on a merchant’s website, making it easy for customers to make a payment or purchase online. Merchants or a payment processor can easily set up virtual terminals, so online businesses can accept credit and debit card and e-check transactions.

A merchant account is a business account with an acquiring bank. Without this business account, which actually works more like a line of credit, a merchant cannot accept and process credit and debit card transactions. Businesses need a merchant account to accept major credit cards via a static point-of-sale terminal, mobile card reader, or through a virtual payment gateway.

After filling out EMB’s simple online application and submitting any necessary, requested documents, many merchants get approved within 24 and 48 hours.

EMB specializes in working with high-risk merchants. EMB works with many merchants, including but not limited to businesses in these industries: gambling and gaming, adult entertainment, nutraceuticals, vaping and e-cigarettes, electronics, tech support, travel, high-end furniture, weight loss programs, calling cards, e-books and software, and telecommunications.

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