PAYHUB FINANCE

Offshore payment infrastructure

Yourprocessorcutyouoff.Werebuildyouoffshore—permanently.

One application gives you an incorporated company, a high-risk merchant account, private IBAN banking and crypto settlement — built to keep processing when the next account closes.

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Currently reviewing applications — limited weekly intake.

Your setup architecture

Your customer pays how they want — cards, wallets or installments.

Provider network

37 providers, one rotation that keeps you processing

We hold live relationships with 37 acquiring and processing providers worldwide and rotate your volume across them — so a single account closure never takes your business offline.

37
Providers in live rotation
0
Merchants left offline
24h
To reroute your volume
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All high-risk industries welcome

The industries every aggregator quietly declines

We underwrite the models that get flagged by automated risk engines — high refund rates, recurring billing, adult content, regulated products and cross-border volume. Placement is decided by a person, not a policy table.

  • Nutraceuticals
  • Adult Content
  • E-Commerce
  • Online Gaming
  • Online Gambling
  • Supplements
  • Travel
  • Crypto
  • Forex
  • Dating
  • CBD
  • SaaS
  • Streaming
  • Weight Loss
  • MLM / Network Marketing
  • Online Pharmacies
  • Tobacco & Vape
  • Debt Collection
  • Coaching & Courses
  • Subscription Boxes
  • Fantasy Sports
  • Offshore Services
  • High-Ticket Sales

If your industry isn't listed here, apply anyway — most of what we place started as an exception.

By the numbers

Active merchants
0Processing today
Countries served
0Across five continents
Approval rate
0%On applications we accept
Average go-live
0 daysFrom setup fee to processing

Pricing

One setup fee. One processing rate. Nothing monthly.

No tiered surprises, no revenue share, no monthly maintenance and no reserve deductions. You see the entire cost before you send a document.

Full Setup

One-time — everything you need to start processing

$13,750

One-time setup

  • Offshore company formation
  • Visa, Mastercard & Amex
  • Payment links & hosted checkout
  • Subscriptions & recurring billing
  • 37 Integrated payment gateway
  • 36+ currencies supported
  • Private banking + dedicated IBAN
  • Crypto settlement
  • 1 day payout
  • Payout tracking & analytics
  • Minimal KYC onboarding
  • Chargeback prevention & dispute winning
  • Priority support
  • Dedicated account manager
  • Apple Pay & Google Pay included
Get My Setup
  • One-time setup — lifetime maintenance included
  • Processing fee 2.4%
  • Holds & reserves: None
MOST POPULAR

Enterprise Setup

High-volume & complex structures

$23,500

One-time setup

  • Everything in Full Setup
  • Dual-entity risk isolation structure
  • Two independent companies
  • Two separate merchant accounts
  • Two private IBANs
  • If one account goes down, the other keeps processing
  • Custom MCC & risk parameter negotiation
  • Dedicated compliance officer (90 days)
  • Dispute representment & winning
  • $10,000 instant payout to crypto, IBAN or debit card
  • Expedited underwriting — live in 5 days
  • White-glove onboarding
Get My Setup
  • One-time setup — lifetime maintenance included
  • Processing fee 2.4%
  • Holds & reserves: None
INSTANT ACCESS

Express Setup

Pre-approved structure, ready today

$29,500

One-time setup

  • Everything in Enterprise Setup
  • Credentials delivered same day via secure portal
  • No underwriting wait
  • Pre-activated company + banking + merchant account
  • Guaranteed same-day go-live
  • Minimal KYC, pre-cleared structure
  • Chargeback prevention active from day one
  • Direct line to a senior account manager
  • Limited availability — 3 slots per month
Get My Setup
  • One-time setup — lifetime maintenance included
  • Processing fee 2.4%
  • Holds & reserves: None

Apple Pay & Google Pay included across all setups. All merchants are reviewed before approval.

Cost comparison

What the same volume costs somewhere else

Enter a month of gross card volume. The comparison uses typical aggregator terms — 2.9% plus $0.30 per transaction and a 10% rolling reserve — against our flat 2.4% with no monthly fees.

$250,000

Transaction count is estimated from an assumed $120 average ticket, which is what drives the per-transaction charge on the other side.

Monthly fee difference

$1,875

Plus $25,000 of your revenue withheld as a rolling reserve — capital we never hold.

Payhub Finance

2.4% flat · no monthly fee · no reserve

$6,000

Typical aggregator

2.9% + $0.30 per transaction

$7,875

Withheld as rolling reserve

10% of volume, released later — if at all

$25,000

Illustrative comparison only. Aggregator pricing varies by merchant and industry; high-risk accounts are frequently quoted well above the published rate used here.

What our merchants say

Operators who were shut off, now processing again

Statements from merchants currently processing with Payhub Finance. Names are shortened and volumes rounded at their request.

  • “Stripe closed us on a Friday with $180k sitting in the balance. Payhub had the Cayman company, the merchant account and the IBAN live inside two weeks, and we have not had a single freeze since.”
    Marcus D.
    Nutraceuticals · subscription · $640k / month
  • “The part that mattered was the reserve. Our old aggregator held 10% for six months. Flat 2.4% with nothing withheld changed what we could actually spend on media.”
    Elena R.
    Online coaching · $310k / month
  • “Two banks turned us down before this. Payhub structured the entity first and the underwriting went through on the first submission — no back and forth, no surprise documents.”
    Yusuf A.
    Forex education · $1.2M / month
  • “Settlement in USDT is what sold me. Card volume in, crypto out the same week, and the IBAN handles supplier payments in EUR. One setup replaced three vendors.”
    Tomas K.
    Digital goods marketplace · $450k / month
  • “We were told high-risk meant 6% and quarterly reviews forever. Payhub quoted one setup fee and 2.4%, with lifetime maintenance included, and that is exactly what has been billed for eleven months.”
    Priya S.
    Travel packages · $820k / month
  • “When our processor gave notice, the backup MID Payhub had already provisioned took the traffic the same day. Zero downtime on a Black Friday weekend.”
    Daniel V.
    CBD e-commerce · $275k / month

Why offshore

A structure that survives the next account closure

Offshore is not a loophole. It is separation — the company, the banking and the acquiring relationship each sit where they can be replaced without taking the others down.

  1. Step 01

    A properly formed offshore entity

    Structure assembled

    • Offshore entityCertificate · directors · registers
    • Private IBAN bankingAccount in the entity's name
    • Acquiring agreementMID contracted to the entity

    Verified pack ready for underwriting

    Cayman Islands entity · directors · registered office

    Not a mailbox and not a shelf company. We incorporate a real Cayman Islands entity with appointed directors, a registered office, board resolutions and genuine banking relationships behind it. Underwriting is a document exercise before it is a risk exercise: an acquirer approves what it can verify, so the structure is built to be verified — certificate of incorporation, register of directors, proof of address and beneficial-ownership file assembled in one pack before your application is ever submitted.

    • Registered office + appointed directors
    • Board resolutions and registers on file
    • Beneficial-ownership pack pre-verified

    “Isn’t offshore itself a red flag?” — Only when it’s hollow. A documented entity with real officers reads as lower risk than a domestic shell.

    • 0%Income tax
    • 0%Corporate tax
    • 0%Withholding

  2. Step 02

    Continuity if a processor closes an account

    Termination notice · zero downtime

    Your entityIBAN · descriptors
    Acquirer AAccount closed
    Acquirer BLive · same entity
    0soffline during the switch

    Acquirer A offline → Acquirer B live, same entity

    An acquiring relationship is a contract, not your business. Because the entity owns the banking and the merchant agreements, we can move you to another acquirer without dissolving anything, re-onboarding your customers or pausing your subscriptions. We keep a second approved MID warm inside the same structure, so a termination notice becomes a routing change rather than a rebuild — your descriptors, your recurring billing and your payout account all stay where they are.

    • Standby MID kept approved and warm
    • Same entity, same IBAN, same descriptors
    • Subscriptions and tokens keep billing

    “What actually happens on termination day?” — We flip traffic to the standby MID and tell you after it’s already processing.

  3. Step 03

    Multi-currency and crypto settlement

    Four rails, one balance

    USDT
    USDC
    SEPA
    WIRE
    Payout window24h

    USDT · USDC · SEPA · Wire — 24h payouts

    Settle in USDT or USDC, or by SEPA transfer or wire — payouts land within 24 hours. Four independent rails feed one balance, so a frozen correspondent bank, a slow corridor or one country's seasonal appetite for your industry never decides whether you get paid this week. You choose the rail per payout; we do not hold funds back to fund our own risk.

    • USDT and USDC settlement on request
    • SEPA and wire for banked payouts
    • 24-hour payout window, no rolling reserve

    “Is crypto settlement a workaround?” — It’s a rail choice. Every payout is invoiced, recorded and reconcilable against your processing statements.

  4. Step 04

    Compliance that keeps the account open

    Minimal KYC · active dispute defence

    • Minimal KYCID + address + register
    • Sanctions & PEP screeningClear
    • Chargeback preventionActive
    • Dispute representmentWinning

    Disputes prevented early and fought when they happen.

    Minimal KYC · sanctions screening · chargeback prevention & winning

    Structure gets you approved; compliance is what keeps you processing. We run a minimal KYC check on the entity and its owners — passport, proof of address and corporate register — then screen against sanctions and PEP lists. After go-live we actively prevent chargebacks through descriptor hygiene, refund-policy review and early alerts, and we represent and win disputes when they happen. Most terminations come from ratios nobody was watching or disputes nobody fought.

    • Minimal KYC: ID, proof of address, corporate register
    • Sanctions & PEP screening on owners
    • Chargeback prevention + dispute winning included

    “How much of this lands on me?” — You supply documents once. We handle screening, chargeback prevention, dispute representment and the acquirer conversations after that.

    Read our AML & KYC policy

Why Payhub

Other processors give you a gateway. We give you the whole business.

A gateway without banking, an entity or settlement options is a single point of failure. We assemble every layer at once and keep it under one account manager.

Four stacked translucent glass layers lit in blue and cyan, representing the full payment stack
Feature comparison between Payhub Finance, Stripe and Square
CapabilityPayhubStripeSquare
Card processing
Private bank account
Crypto settlement
No holds or reserves
High-risk industries
24h payouts
Dedicated account manager

The process

Apply. Approve. Process payments.

Five steps between a terminated account and a live one. Nothing is outsourced back to you.

  1. 01

    Apply

    A short application over Telegram — business, volume, industry.

  2. 02

    Get approved

    Manual review by our underwriting team, same day.

  3. 03

    Pay your setup fee

    One-time, no hidden charges and no surprise deductions.

  4. 04

    We build everything

    Company, merchant account and IBAN — fully handled for you.

  5. 05

    Go live in 3 days

    Dashboard, gateway credentials and your first payouts.

FAQ

Everything operators ask before they apply

Direct answers on cost, timelines, eligibility and what happens when something goes wrong.

Still unsure? Ask on Telegram — you'll get an answer from an underwriter, not a bot.

Get processing again — this week.

One message starts the application. We review it manually and tell you the same day whether we can place you.

Get My SetupBook a Demo

One-time setup from $13,750 · 2.4% processing · No holds · No reserves

PAYHUB FINANCE

Offshore merchant accounts, private banking and company formation for high-risk operators — delivered as one setup.

Payhub Finance International
Harbour Place, 103 South Church Street
George Town, Grand Cayman, KY1-1002

Services

  • Card Processing
  • Recurring Billing & Subscriptions
  • Offshore Company Formation
  • Private IBAN Banking
  • Crypto Settlement
  • Real-Time Dashboard

Contact

Info@Payhubfin.comTelegram — @PayHubFinance

© 2026 Payhub Finance.

Payhub Finance is a payment facilitation and company formation service. We are not a bank or a licensed financial institution. Merchant accounts are provided through third-party acquiring partners. Services subject to eligibility review.

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