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Offshore Card Approval Rates

Higher card declines are a consideration for offshore processing. Depending upon the bank, US cards may be considered cross-border transactions which can result in higher decline rates. Card approval rates will still be good. Yet, not as high as if you processed a US card through a US acquiring bank. Much depends upon the jurisdiction in which the acquiring bank is located. 

Rates & Terms for Offshore Merchant Accounts

Rates for offshore merchant accounts are somewhat higher than domestic processing. Still, many international banks offer competitive rates, particularly for high volume merchants. Offshore settlement times are longer than domestic merchant accounts, generally weekly rather than daily settlements.

Offshore merchant accounts save you money on processing if you have customers located in the same region as the acquiring bank. For instance, if you process offshore through Europe, your European transactions will cost less than processing through a US bank.

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