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Domestic and International Merchant Accounts

If you are having challenges obtaining a merchant account for Internet or mail/phone order transactions, we can help. Offshore High Risk Merchants provides services to Canadian, United States and International merchants. We specialize in high risk merchant accounts that banks will not consider. Merchant Category Codes (MCC) that are on banks prohibited and restricted list, we will accept. Banks consider these merchants too risky. Our approval rate is 99% on all merchant accounts we place. If it is a legal business, we will accept. Here are some of the high risk merchant accounts that we will consider for high risk credit cards and echeck/ACH check processing:

General eCommerce Merchant Accounts Online Pharmacy Merchant Accounts Online Gaming Merchant Accounts Online Dating Merchant Accounts Online Cigar/Tobacco Merchant Accounts
Replicas Money Transfer International Call Center Accounts Voice over IP merchant Accounts Web Hosting
Multi-Level Marketing Merchant Accounts Time Share Merchant Accounts Infomercial Merchant Accounts Downloadable Software Merchant Accounts Outbound Telemarketing Merchant Accounts
Prepaid Phone Card Accounts Vitamin and Herbal Product Merchant Accounts Travel Tours including Tour Guides Merchant Accounts (any type of travel) Master Merchant Accounts for Merchant Service Providers (MSP’s) 3rd Party Merchant Accounts
TMF Merchant Accounts Canadian Merchant Accounts International U.S. ACH/echeck Merchant Accounts High Risk U.S. Merchant Accounts Canadian and U.S. Retail Merchant Accounts

Merchant Fees
Canadian Merchant Account
U.S. Merchant Account Card Not Present
U.S. ACH Account Low and High Risk
International Merchant Account Card Not Present – High Risk
Discount Rate   1.29%-1.99%   1.30%-2.43% 0%-5.0% 2.50%-9.00%
Transaction Fee   $0.20   $0.30 $0.30-$2.00 $0.35-$1.40
Chargeback Fee   $25.00 CAD   $25.00 $3.00-$5.00 $30.00-$150.00
Monthly Fee   $39.00 CAD   Waived Waived $30.00 – $50.00
Set Up Fee $99.00 CAD $149.00 USD $149.00 USD $350.00-$650.00
Reserves ves 0-5% 0-5% 0-5% 5%-10%
Annual Fee Waived Waived Waived Varies
Batch Fee Waived Waived Waived Waived
Programming Fee Waived Waived Waived Waived
Amex/Discover Fee Waived Waived Waived Waived

Offshore High Risk Merchants can provide credit cards and ACH check processing with NO VOLUME CAP and effective risk management tools to mitigate your online exposure to eCommerce and mail/phone order transactions. We provide the following:

    • Quick Turn around: merchant applications approved within 2 to 5 business days
    • Detail assistance provided throughout the merchant application underwriting process
    • Offshore incorporation done within 48 – 72 hours
    • Fast Funding: all transactions funded within 2 to 5 business days or twice weekly or weekly for high risk merchants
    • Risk Management Technology: state of the art risk management applications to mitigate your online exposure
    • Customer Service: we offer 24/7 merchant support via email and live operator
    • Technical support: assist in integrating your website to our processors and terminal support
    • Virtual Reporting: online virtual reporting on your merchant account activity with chargeback history  and volume


We can also provide your business with a merchant retail account (Canadian and United States merchants) to accept all major credit cards and bank ATM debit cards, at the lowest merchant discount rate. Please click here Merchant Products And Services. The following processing options are available for retail, Internet and mail/phone order merchants:

    • Internet Processing – Virtual terminal for eCommerce and mail/phone order transactions
    • Credit Card Terminals – Many choices available including wireless terminals
    • ACH Check Processing – User friendly virtual terminal – U.S. check processing for domestic and international merchants, checks by phone, guarantee checks, check collection

Please complete our pre-application form Pre-Merchant Application Form and one of our sales representatives will call you within 24 hours. All information is strictly confidential and there is no obligation to purchase.