Merchant Account Services for High-Risk and Offshore Businesses

At Offshore High Risk Merchants, we offer complete merchant account services for businesses in Canada, the United States, and offshore locations. Whether you run an eCommerce store, a mail/phone order business, or need ACH check processing, we have reliable solutions for all high-risk industries.

We work with more than 30 domestic and offshore banks around the world to provide flexible and fast merchant account approvals. If your business is legal but considered “high-risk” by traditional banks, we can help. In fact, if we can’t approve your account, it’s likely no one else can.

Canadian and U.S. High-Risk Merchant Account Services

We offer domestic merchant account services for Canadian and U.S. merchants, even those with high chargebacks or who appear on industry watchlists like MATCH (TMF) and CIRF.

Key Features:

• Work with trusted domestic banks that specialize in high-risk merchants

• No offshore incorporation needed

• Favorable merchant discount rates

• Multiple currencies supported

• High-volume eCommerce businesses accepted

• MATCH and CIRF merchants accepted (U.S. and Canada)

These domestic merchant account services are ideal for online businesses that want fast funding and strong bank relationships without needing to go offshore.

Offshore Merchant Account Services

For businesses needing offshore merchant accounts, we partner with banks in Latin America, the Caribbean, and Europe. These accounts offer more flexibility and fewer restrictions than local banks.

Benefits of Offshore Merchant Account Services:

• Fast approval process

• Low merchant discount rates

• Unlimited transaction volume

• High-risk businesses with chargebacks accepted

• MATCH and CIRF merchants approved

• No restrictions on business type (as long as it’s legal)

Offshore accounts are great for global companies, those with international clients, or any merchant needing more processing freedom.

High-Risk ACH Check Processing Services

We also provide ACH check processing services for U.S., Canadian, and international high-risk merchants. If your business needs to accept electronic checks, checks-by-phone, or recurring billing via ACH, we’ve got you covered.

ACH Services Include:

• Electronic checks, guaranteed checks, and check collections

• ACH for telemarketing, subscriptions, catalogs, travel, supplements, tobacco, MLMs, and more

• ACH processing available to international merchants (we help arrange a U.S. bank account if needed)

• ACH processing for Canadian merchants in U.S. currency

• Unlimited ACH volume

• Easy approval compared to credit cards

• ACH virtual terminal and API available for eCommerce

Our high-risk ACH merchant account services allow you to accept checks even if your business has been turned away elsewhere.

Third-Party or Aggregated Merchant Account Services

Some businesses struggle to get their own merchant account due to high chargebacks or limited processing history. That’s where our third-party merchant account services come in.

With this option, your business joins a larger merchant portfolio. This helps reduce risk and gives you time to build history before getting your own MID (merchant ID).

Ideal For:

• New businesses without credit card history

• High-risk merchants with high refunds or chargebacks

• MATCH or CIRF merchants

• Businesses under Visa/MasterCard chargeback reduction programs

• Unincorporated merchants

Our third-party account services offer fair rates and chargeback protection through shared processing.

POS Retail Merchant Account Services (U.S. and Canada)

We also offer retail merchant account services for physical businesses in the United States and Canada. Our team works with domestic banks to provide competitive rates and modern hardware.

What’s Included:

• Retail credit card processing with low fees

• Wired and wireless terminal options

• Integrated POS solutions

• Online reporting for transactions and chargebacks

• Volume limits based on underwriting

Whether you’re a storefront, clinic, or retail outlet, we offer the tools you need to accept all major credit and debit cards.

Why Choose Offshore High Risk Merchants?

• Over 30 partner banks worldwide

• Approval in 2–5 business days

• No volume limits

• ACH and crypto support

• MATCH, TMF, and CIRF merchants accepted

• Offshore company setup in 48–72 hours

• 24/7 customer and technical support

• Full help with underwriting and integration

Get Started with Merchant Account Services Today

If you’re a business owner looking for fast, secure, and flexible merchant account services, we’re here to help. Whether you need a domestic or offshore account, credit card or ACH processing, or a retail POS setup, Offshore High Risk Merchants will guide you every step of the way.

Fill out our Pre-Merchant Application Form and one of our specialists will contact you within 24 hours. There’s no obligation and your information is kept 100% confidential.