Offshore Merchant Account
Multi-currency acquiring, IBAN settlement and local payment methods for approved cross-border businesses — one integration, powered by leading regulated payment partners.
What an offshore account includes
Multi-currency acquiring
Dedicated IBAN settlement
Local payment methods
Cross-border orchestration
Compliance-first onboarding
Digital-asset settlement
Who uses offshore acquiring
Cross-border sellers, regulated operators and platforms trading across multiple currencies. Approval is always subject to licensing and compliance review in the relevant jurisdiction.
- Cross-border e-commerce
- iGaming and betting operators
- Forex, CFD and trading platforms
- Crypto and digital-asset businesses
- Travel, ticketing and events
- Marketplaces and platforms
- Subscription and SaaS businesses
- Financial and professional services
- Marine and logistics
How approval works
- 01
Submit the application
Complete the Merchant Application Form with entity, ownership and target-market detail.
- 02
Jurisdiction review
We map your structure, licensing and settlement needs to acquirers with the right appetite.
- 03
Underwriting
KYB, UBO screening and processing history reviewed by the matched acquiring partner.
- 04
Terms and settlement
Currencies, settlement accounts, pricing and any reserve confirmed in writing.
- 05
Integration and go live
Single integration, per-market routing, then ongoing acceptance monitoring.
What to prepare
Cross-border files are judged on transparency. Clear ownership and licensing evidence is the fastest route to a decision.
- Certificate of incorporation and registry extract for the applying entity
- Full ownership chart with UBO identification and proof of address
- Licences for regulated activity in each market served
- 3–6 months of processing statements, where available
- Recent bank statements and latest financial accounts
- Live website with terms, refund, privacy and contact pages in the languages you sell in
Offshore merchant account FAQ
What is an offshore merchant account?
An offshore merchant account is a payment acceptance account held with an acquirer licensed outside the merchant's home country. It is used by cross-border businesses that need multi-currency acceptance, access to acquirers that write their vertical, or settlement in a jurisdiction aligned with their corporate structure.
Is an offshore merchant account legal?
Yes, where the acquirer is properly licensed and the merchant meets KYB, AML and licensing requirements in the jurisdictions it serves. Offshore acquiring is a standard part of cross-border commerce; it is not a route around regulation, tax obligations or scheme rules.
Which company structures can apply?
Companies registered in most recognised jurisdictions can apply, provided ownership is transparent, UBOs pass screening, and the activity is licensed where licensing is required. Acquirer appetite varies by jurisdiction, so the corporate structure influences which partners will underwrite the file.
What currencies and settlement options are available?
Multi-currency acceptance with settlement to dedicated IBAN accounts is standard, with common settlement currencies including EUR, GBP and USD. Approved merchants can also settle in digital assets through approved third-party providers, subject to compliance review.
How long does offshore approval take?
A complete pack is typically reviewed within a few business days, with acquirer onboarding following. Cross-border files take longer when licensing evidence, ownership chains or processing history are incomplete, so preparing documentation up front materially shortens the timeline.
Start your offshore application
Submit the Merchant Application Form and our team will match your file to acquirers with appetite for your jurisdiction.
Apply — Merchant Application