An Offshore Merchant Account for High-Risk and Global Businesses
When domestic acquirers decline you or cap your volume, offshore acquiring opens the door. SwissPay places high-risk and international businesses with offshore banks built to approve and scale them.
An offshore merchant account is held with an acquiring bank outside your home country, used when domestic acquirers decline a high-risk or international business or cap its volume. SwissPay places merchants with offshore acquirers for higher approval odds, multi-currency settlement and redundancy, with approval in about 48 hours.
What an offshore merchant account is, and when you need one
An offshore merchant account is simply one held with an acquiring bank outside your home market. For high-risk categories and international businesses, offshore acquirers are often more willing to underwrite the volume and can settle in more currencies.
The point is not to hide anything, it is access. When domestic banks decline you or limit your growth, an offshore acquirer can approve the account and give you room to scale.
What SwissPay's offshore acquiring gives you
Offshore acquiring opens banks that approve categories and volumes your domestic processors decline, with settlement across 135 currencies. SwissPay spreads your volume across multiple acquirers with automatic failover, and one integration reaches both the offshore and onshore network, so you scale without rebuilding or hitting domestic caps.
Higher approval odds
Access to offshore acquirers that underwrite categories and volumes domestic banks decline.
Multi-currency settlement
Settle across 135 currencies and 190+ countries to match where your customers are.
Redundancy across banks
Spread volume across multiple acquirers with automatic failover so no single review takes you offline.
One integration
Reach the whole offshore and onshore network through a single API and dashboard.
How onboarding works
Onboarding is one application that assesses the best placement, onshore or offshore. You share your category, markets and volume, we route you to the acquirer most likely to approve and price your business well, and you integrate once and start processing globally in about 48 hours.
- 1Apply with your business and volume
Share your category, markets and volume once, and we assess the best placement.
- 2We match onshore or offshore acquirers
Your business is routed to the acquirer, domestic or offshore, most likely to approve and price it well.
- 3Go live in about 48 hours
Integrate once and start processing globally.
Who benefits from offshore acquiring
High-risk merchants declined at home, businesses selling across many countries, and fast-growing companies hitting domestic volume caps all benefit from an offshore or blended acquiring setup.
Open the door domestic banks closed
Get placed with offshore acquirers built to approve and scale high-risk and global volume.
Get my offshore accountRelated
Frequently asked questions
Is an offshore merchant account legal?
Why would I need an offshore account?
Can I settle in multiple currencies?
How fast can I be approved?
Get approved in 48 hours
Tell us about your business. One application, no per-acquirer paperwork, and a routing recommendation back fast.
- One application covers every acquirer in the network
- A real approval path for higher-risk categories
- No re-integration as your volume grows