Merchant Fees

We offer a variety of offshore and domestic merchant account solutions. The fees and discount rates vary depending on what you sell and where you operate. Whether you sell tangible goods (physical products) or intangible goods (digital items or services), you can choose a plan that suits your business needs.

Some banks require credit card processing history or a registered business. Others accept new businesses without any processing history or company registration. All of our solutions come with virtual terminals and web-based APIs. We also support integration with many popular shopping carts.

Below are the details of the available options.

Option One: Asian Merchant Account Solution

This is a high-risk offshore solution suitable for businesses like pharmacy and replica products.

Key Features

• Setup Fee: $2,000 (from the first wire)

• Discount Rate: 6% to 8%

• Setup Time: 3 to 4 business days

• Interfaces: Virtual Terminal, API, HTML, Batch Upload, SOAP

• Monthly Fee: $200.00 USD

• Chargeback Fee: $45.00

• Refund Fee: $5.00

• Transaction Fee: $1.00 (for both approved and declined)

• Rolling Reserve: 10% held for 6 months

• Payout Schedule: Weekly with a 10 to 14-day delay

• Accepted Cards: Visa, MasterCard, China UnionPay

• Industry Friendly: Pharmacy and replica products are welcome

Option Two: North American Merchant Account Solution

This is a flexible and low-cost solution for startups and domestic merchants.

Key Features

• Setup Fee: $150.00 USD

• Discount Rate: 2.00% to 6.50% (based on industry)

• Monthly Gateway Fee: $35.00

• Setup Time: 2 business days

• Multi-Currency Support: Yes

• Accepted Cards: Visa, MasterCard, American Express, Discover, China UnionPay, Diners Club, PayPal

• Interfaces: Virtual Terminal, API, E-wallet, Network Merchant Interface, Authorize.net

• Transaction Fee: $0.35

• Chargeback Fee: $35.00

• Refund Fee: $0.50

• Payouts: Daily for domestic merchants

• Rolling Reserve: 10% held for 6 months (for high-risk merchants)

• Requirements:

  • No incorporation needed

  • No credit card processing history required

  • Credit checks are done

  • Startups are welcome

Option Three: European Merchant Account Solution

A solid option for businesses based in the European Union, offering Euro settlement.

Key Features

• Settlement Currency: Euro

• Discount Rate: 3.5% to 8%

• Setup Fee: $650.00 USD

• Gateway Fee: 10.00 Euro per month

• Setup Time: 2 business days

• Accepted Cards: Visa, MasterCard, China UnionPay

• Interfaces: Virtual Terminal, API, E-wallet, Network Merchant Interface

• Transaction Fee: 0.50 Euro

• Chargeback Fee: 50.00 Euro

• Refund Fee: 3.00 Euro

• Wire Transfer Fee: 10.00 to 30.00 Euro

• Rolling Reserve: 6-month hold for high-risk merchants

• Payout Schedule: Weekly with 10-day delay

• Requirement: EU-based company is required

Option Four: Aggregated Merchant Account Solution

This is a more relaxed option that accepts certain high-risk industries, including pharmacy.

Key Features

• Discount Rate: 5% to 7.9%

• Setup Time: Immediate

• Setup Fee: $300 to $1,000 (from initial processing)

• Monthly Fee: $59.00

• Transaction Fee: $0.80 to $1.50

• Chargeback Fee: $50.00

• Interfaces: API, HTML, OS Commerce, Custom Interface, E-wallet, Network Merchant Interface

• Payout Schedule: 3 times per month or weekly

• Rolling Reserve: 10% held for 6 months

• Requirements:

  • No incorporation needed

  • No processing history required

  • Medical questionnaire required on order page (for pharmacy merchants)

Option Five: South American Merchant Account Solution

This solution is for businesses that are already doing a minimum of $25,000 in monthly volume.

Key Features

• Setup Fee: $349.00

• Discount Rate: 6% to 8.5%

• Setup Time: Immediate

• Monthly Fee: $40.00

• Transaction Fee: $0.65 to $1.50

• Chargeback Fee: $45.00

• Interfaces: Virtual Terminal, API

• Rolling Reserve: 10% held for 6 months

• Payout Schedule: Weekly, with 2 weeks in arrears

• Requirement: Last 3 months of processing history must be provided

Need Help Choosing the Right Option?

If you’re not sure which solution is best for your business, we are here to help. Whether you’re a startup, a high-risk business, or a growing online store, we can match you with the most suitable payment processing option.