Acquirers in the UK, EU, Mauritius, Hong Kong, Curaçao and selected Caribbean jurisdictions — for MCCs and content domestic banks won't touch.
Offshore acquiring is not a tax move and not a way to escape regulation. It is a way to access acquiring banks operating under regulatory regimes that permit higher-risk MCCs (gambling, adult, nutra, forex), and that price reserves and chargeback exposure based on actual portfolio data rather than US bank-holding-company risk appetite.
ApexPay's offshore stack is wired into licensed acquirers across multiple jurisdictions, all PCI DSS Level 1, all settling in major currencies, all reachable through one orchestration layer.
ApexPay FZ-LLC is a payments consultancy — we introduce merchants to licensed acquirers, gateways and alert networks, and we do not process payments or hold funds.
Expect MDR 50–150 bps higher than equivalent domestic, rolling reserves 5–15% (vs 0–5% domestic for low-risk), and longer first-settlement cycles (T+5 to T+10 vs T+2 domestic). The trade-off is access — and for many high-risk operators, the alternative is no processing at all.
Yes. Offshore acquiring through licensed banks under recognised regulators (FCA, MFSA, FSC) is fully compliant with Visa and Mastercard rules. The acquirer must be licensed; the merchant must comply with the laws where customers are located.
Yes — and you should. Domestic for US-issued cards (better approval, lower interchange), offshore for everything else. Partner orchestration layers we help configure route per BIN automatically.
Partner acquirers settle in 8 major currencies. You can hold balances in EUR/GBP/USD or convert at interbank + 30–60 bps. Multi-currency wallets reduce conversion bleed for global merchants.
An EU/UK Ltd, BVI, Hong Kong or Mauritius company is typical. We help structure the operating entity and can refer regulated corporate-services providers if you need formation.
Multi-MID architecture, orchestration, cascading, gateways and offshore vs domestic strategy.
Tell us your geos, MCC and volume profile. We'll come back with a 2–4 MID structure across the right jurisdictions, with reserves and pricing modelled.
Get a free, no-obligation audit of your payment stack. We'll show you exactly where revenue is leaking and how to fix it.
