Introductions to US sponsor-bank partners for adult, nutra, dating, CBD, crypto on/off-ramps and other restricted MCCs. Better approval rates on US-issued cards via the right acquirer match.
If your customer base is majority US-issued cards, processing through an offshore-only stack costs you 8–15 percentage points of authorisation rate. US issuers decline cross-border merchants more aggressively, especially for high-risk MCCs and recurring billing.
We have working relationships with US sponsor banks willing to underwrite high-risk verticals — including MCCs that the bulk of US PSPs (Stripe, Square, Authorize.net, Worldpay) have policy-blocked.
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.
A US-issued Visa/Mastercard transaction routed through a US acquirer hits the issuer's domestic risk model. Same transaction routed through a Mauritius or UK acquirer hits the cross-border risk model — which is materially stricter, especially for recurring billing and high-ticket transactions.
Domestic for US BINs, offshore for international BINs. Partner orchestration layers we help configure route per BIN in real time, so you maximise approval on every card without touching code.
Yes for direct US acquirer relationships. We can help structure or refer formation services if you don't have one yet.
5–10 business days for clean files, longer if there's adverse history. We pre-flight applications with the right sponsor bank for your MCC to avoid wasted time.
We failover to your offshore backup immediately and start sourcing a replacement US MID from a different sponsor bank. The continuity is the entire point of the architecture.
Marginally — typically 30–80 bps higher MDR than equivalent low-risk US processing, but materially cheaper than offshore for US-issued card volume once you account for approval lift.
Multi-MID architecture, orchestration, cascading, gateways and offshore vs domestic strategy.
Send your entity docs, processing statements and MCC. We'll match you with the sponsor-bank partner most likely to approve at the best price.
Get a free, no-obligation audit of your payment stack. We'll show you exactly where revenue is leaking and how to fix it.
