Question 1

What exactly do you offer?

Accepted Answer

One complete commercial setup: an incorporated offshore company, a high-risk merchant account with Visa, Mastercard and Amex, a private bank account with a dedicated IBAN, crypto settlement and a payment gateway with a live dashboard. It is delivered as a single package with one one-time setup fee — lifetime maintenance included — and one processing rate.

Question 2

What makes you different from Stripe or PayPal?

Accepted Answer

Those platforms aggregate thousands of merchants under one risk umbrella, so anything unusual gets shut off automatically. You get a dedicated structure — your own entity, your own merchant account, your own banking — underwritten by a human who understands your industry and reachable directly when something needs attention.

Question 3

Where are you based?

Accepted Answer

Our merchant structures are incorporated in the Cayman Islands, and we work with acquiring and banking partners across Europe, Asia and the Caribbean so we can place each merchant with the institution that fits their industry and volume.

Question 4

Is this legal?

Accepted Answer

Yes. Offshore incorporation, international acquiring and multi-currency settlement are ordinary, regulated commercial activities. Every merchant passes minimal KYC and AML checks, structures are reported under FATCA and CRS where applicable, and we do not onboard prohibited or sanctioned activity. Tax reporting in your country of residence remains your responsibility.

Question 5

What is the onboarding process?

Accepted Answer

You message us on Telegram and complete a short application. We review it manually the same day. Once approved you pay the one-time setup fee, we incorporate the company and open the merchant account and IBAN, then hand over gateway credentials and dashboard access.

Question 6

How long does full setup take?

Accepted Answer

Three business days on average for the Full Setup. Enterprise runs on expedited underwriting and goes live in about five days because two entities and two accounts are being built. Express uses a pre-approved structure and is handed over the same day.

Question 7

What documents do I need?

Accepted Answer

Our KYC is intentionally minimal. We ask only for the few basics needed to open the account, and we confirm exactly what those are with you during onboarding — nothing more unless a specific banking or acquirer partner requires it for your volume.

Question 8

What is your KYC process?

Accepted Answer

Minimal and fast. We verify the entity and its beneficial owners, then run sanctions, PEP and adverse-media screening. Most merchants complete it in one submission.

Question 9

What is the full cost breakdown?

Accepted Answer

A one-time setup fee of $7,800 for Full Setup, $13,500 for Enterprise Setup or $15,500 for Express Setup — and that is it. Lifetime maintenance is included, so there is no monthly fee. The only ongoing cost is 2.4% per processed transaction. There are no holds and no rolling reserves on approved accounts.

Question 10

Are there other fees?

Accepted Answer

The one-time setup fee and the 2.4% processing rate are the standard costs. Third-party charges such as international wire fees, currency conversion on the banking side or chargeback handling fees are passed through at cost and disclosed before they apply.

Question 11

Is the setup fee refundable?

Accepted Answer

Once incorporation and account opening begin, the fee covers work already performed and is non-refundable. If we accept your application and then cannot deliver a working merchant account, you are refunded in full. Full terms are in our refund policy.

Question 12

What happens if my merchant account is suspended?

Accepted Answer

Your account manager works the issue with the acquirer immediately. If it cannot be resolved, we move your entity to an alternative acquiring relationship. Enterprise clients have a second live account running in parallel, so processing continues while the first is restored.

Question 13

What is your approval rate?

Accepted Answer

99% of applications we accept for review are approved. We pre-screen before you pay anything, so we tell you honestly at the application stage if your model is not placeable.

Question 14

Do you hold funds or impose rolling reserves?

Accepted Answer

No. Approved accounts process without holds or rolling reserves. If chargeback performance deteriorates significantly, we discuss remediation with you directly rather than silently withholding your revenue.

Question 15

What payment methods can I accept?

Accepted Answer

Visa, Mastercard and Amex, Apple Pay and Google Pay, hosted checkout and payment links, plus crypto payments where your model calls for it.

Question 16

Do you support subscription billing and rebills?

Accepted Answer

Yes. Recurring billing, trials, rebills, upgrades and dunning are supported natively through the gateway, including tokenised cards so customers do not need to re-enter details.

Question 17

Can I accept multiple currencies?

Accepted Answer

Yes — 36+ presentment currencies, with settlement into your IBAN or crypto wallet in the currency you nominate.

Question 18

What happens if my chargeback rate rises?

Accepted Answer

You are alerted early through the dashboard. We then work on descriptors, prevention alerts, refund policy and funnel copy with you to stop disputes before they become chargebacks. When a chargeback does happen, we represent and fight it for you. We only restrict processing when a scheme threshold makes it unavoidable, and we tell you before that happens.

Question 19

Can I integrate the gateway into my existing site?

Accepted Answer

Yes. Use the REST API and webhooks for a fully custom checkout, drop in hosted checkout, or send payment links — whichever suits your stack. Your account manager can walk your developer through it.

Question 20

What is the IBAN account?

Accepted Answer

A dedicated business bank account held in your company's name with its own IBAN, usable for sending and receiving international transfers, paying suppliers and receiving merchant settlements. It is not a shared or pooled account.

Question 21

What are my settlement options?

Accepted Answer

Crypto settlement in USDT or USDC, or fiat settlement to your IBAN by SEPA transfer or wire — or a split between the two. You can change the mix as your business changes.

Question 22

How fast do I receive funds?

Accepted Answer

Payouts land within 24 hours on approved accounts — settled in USDT or USDC, by SEPA transfer or by international wire.

Question 23

My business is very high-risk — can you help?

Accepted Answer

Almost certainly. Nutra, adult, gaming, forex, dating, CBD, pharma, debt collection and high-ticket sales are routine for us. Apply and we will tell you within a day whether we can place you.

Question 24

I was terminated by my previous processor — can you help?

Accepted Answer

That is the majority of our client base. Termination, freezes and MATCH-list issues are things we underwrite around by rebuilding the structure offshore rather than reapplying into the same aggregator that removed you.

Question 25

My website isn't ready, can I still apply?

Accepted Answer

Yes. We can begin incorporation and banking while the site is being finished. The merchant account goes live once the site meets the acquirer's compliance requirements, and we tell you exactly what needs to be on it.

Question 26

Is my business information kept confidential?

Accepted Answer

Yes. Documents are shared only with the incorporating agent, the bank and the acquirer processing your application. We never sell, publish or share client data, and communication stays on encrypted channels.

Question 27

Is the gateway PCI compliant?

Accepted Answer

Yes — PCI DSS Level 1, with TLS encryption in transit and tokenised card storage, so raw card data never touches your servers.

Capability	Payhub	Stripe	Square
Card processing
Private bank account
Crypto settlement
No holds or reserves
High-risk industries
24h payouts
Dedicated account manager

Yourprocessorcutyouoff.Werebuildyouoffshore—permanently.

37 providers, one rotation that keeps you processing

The industries every aggregator quietly declines

One setup fee. One processing rate. Nothing monthly.

Enterprise Setup

Full Setup

Enterprise Setup

Express Setup

What the same volume costs somewhere else

Operators who were shut off, now processing again

A structure that survives the next account closure

A properly formed offshore entity

Continuity if a processor closes an account

Multi-currency and crypto settlement

Compliance that keeps the account open

A properly formed offshore entity

Continuity if a processor closes an account

Multi-currency and crypto settlement

Compliance that keeps the account open

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

Apply. Approve. Process payments.

Apply

Get approved

Pay your setup fee

We build everything

Go live in 3 days

Everything operators ask before they apply

Get processing again — this week.