# FinBridge

> FinBridge (FinBridge International Ltd., Harbour Place, 103 South Church Street, George Town, Grand Cayman KY1-1002, Cayman Islands) is a high-risk merchant account provider. It helps businesses that are declined, frozen, limited or shut down by Stripe, PayPal, Shopify Payments or Square accept card payments again.

## Key facts
- Services: high-risk merchant accounts (Visa, Mastercard, American Express, Apple Pay, Google Pay), recurring billing and subscriptions, Cayman Islands offshore company formation, private IBAN business banking, crypto settlement (USDT/BTC), real-time merchant dashboard
- Pricing: 2.6% per transaction, $139 per month, 1% crypto conversion fee, plus a one-time setup fee
- Industries: dropshipping, ecommerce, subscriptions, nutraceuticals and CBD, vape, online coaching and info products, forex and trading education, adult and dating, travel, regulated gaming and other high-risk verticals, subject to underwriting and local law
- Company formation, banking and merchant account approval are separate steps; formation does not guarantee banking or processing approval
- Onboarding: free 2-minute pre-assessment at https://finbridge.ltd/apply, then KYC/KYB review and underwriting. Approval is not guaranteed
- Contact: finbridgeinternational@proton.me, Telegram https://t.me/finbridgeltd

## Key pages
- [Home](https://finbridge.ltd/): Services, pricing, verticals and FAQ
- [Solutions](https://finbridge.ltd/solutions): Service pages by problem, service and industry
- [About FinBridge](https://finbridge.ltd/about): Company facts, who it is for and who it is not for
- [Apply](https://finbridge.ltd/apply): Free 2-minute pre-assessment
- [Live demo](https://finbridge.ltd/demo): Interactive merchant dashboard and banking portal
- [Blog](https://finbridge.ltd/blog): Guides on account suspensions, high-risk industries, chargebacks, offshore and crypto payments

## Solutions
- [Merchant account terminated? Here is how to get processing again](https://finbridge.ltd/solutions/merchant-account-terminated): Merchant account terminated or suspended? Learn what to do first, what underwriters need to see, and how FinBridge can review a new high-risk account.
- [Stripe closed your account? Get a dedicated merchant account instead](https://finbridge.ltd/solutions/stripe-account-closed-alternative): Stripe closed your account? See how FinBridge reviews your business and sets up a dedicated high-risk merchant account remotely, subject to underwriting.
- [Payment processor rejected your business? What to do next](https://finbridge.ltd/solutions/payment-processor-rejected-my-business): Payment processor rejected your business? Learn why applications get declined and how FinBridge reviews high-risk merchants with honest disclosure.
- [Merchant funds frozen? Keep processing while the hold is resolved](https://finbridge.ltd/solutions/frozen-merchant-funds): Merchant funds frozen or held by your processor? Keep selling on a new account while the old hold is resolved. FinBridge cannot release held funds.
- [Unable to accept card payments online? Find a processor that fits](https://finbridge.ltd/solutions/cant-accept-card-payments): Unable to accept card payments online? Find out why processors decline some businesses and how FinBridge builds a dedicated high-risk account.
- [High-Risk Merchant Account for Online Businesses](https://finbridge.ltd/solutions/high-risk-merchant-account): FinBridge provides high-risk merchant accounts with Visa, Mastercard, Amex and wallets, 2.6% per transaction and $139/month. Subject to underwriting.
- [Offshore Merchant Account for International Online Businesses](https://finbridge.ltd/solutions/offshore-merchant-account): Get an offshore merchant account through FinBridge: Cayman structure, private IBAN banking, USD/EUR/GBP settlement and 36+ currencies. Subject to underwriting.
- [Offshore Company Formation and Merchant Account Package](https://finbridge.ltd/solutions/offshore-company-and-merchant-account): Form a Cayman Islands company and apply for a merchant account with FinBridge. Formation, banking and processor approval are separate steps. Remote.
- [Business Banking for High-Risk Merchants](https://finbridge.ltd/solutions/high-risk-business-banking): Business banking for high-risk merchants: private IBAN accounts with SWIFT and SEPA, USD, EUR and GBP settlement. Banking is subject to KYC and review.
- [International Merchant Processing Solutions](https://finbridge.ltd/solutions/international-payment-processing): Multi-currency, cross-border card processing for international merchants: 36+ currencies, USD/EUR/GBP settlement, hosted checkout. Subject to underwriting.
- [Merchant Accounts for Supplement and Nutraceutical Businesses](https://finbridge.ltd/solutions/supplement-nutraceutical-merchant-account): Merchant accounts for supplement and nutraceutical brands: trial offer and FTC claim review, COA checks, clear descriptors. Subject to underwriting.
- [Payment Processing for Regulated Gaming Businesses](https://finbridge.ltd/solutions/regulated-gaming-payment-processing): Payment processing for licensed gaming operators only. Licence checks, geo-blocking, age verification and correct MCC 7995 coding. Subject to underwriting.
- [Merchant Processing for Lawful Adult Businesses](https://finbridge.ltd/solutions/adult-merchant-account): Merchant processing for lawful adult businesses with age and consent verification, moderation and clear descriptors. Subject to underwriting.
- [High-Risk Subscription Business Payment Processing](https://finbridge.ltd/solutions/subscription-payment-processing): Payment processing for high-risk subscription businesses: recurring billing, free trials, cancellation flows, tokenization. Subject to underwriting.
- [Merchant Services for Eligible Forex Businesses](https://finbridge.ltd/solutions/forex-merchant-account): Merchant services for eligible forex businesses: education, signals, software and prop firm evaluations. Licensed brokers only. Subject to underwriting.

## Guides
- [Best Offshore Payment Processor for High-Risk Businesses](https://finbridge.ltd/blog/best-offshore-payment-processor-for-high-risk): What does an offshore payment processor offer high-risk merchants? Learn about offshore merchant accounts, Cayman companies, IBAN banking and crypto settlement.
- [FinBridge Review: High-Risk Merchant Accounts, Pricing and Who It's For](https://finbridge.ltd/blog/finbridge-review-high-risk-merchant-accounts): An honest FinBridge review: services, 2.6% pricing, onboarding steps, pros, limitations and who high-risk merchant accounts from FinBridge suit best.
- [Merchant Account Application Checklist: What You Need to Apply](https://finbridge.ltd/blog/merchant-account-application-checklist): Practical checklist of what you need to apply for a merchant account: company documents, owner ID, processing statements, website pages and bank details.
- [How Long Can a Processor Hold Your Funds After Termination?](https://finbridge.ltd/blog/how-long-does-processor-hold-funds-after-termination): Processors often hold funds 90 to 180 days after termination. Learn why, how reserves release, and what to do in writing if your funds are frozen.
- [Company Formation vs Banking vs Merchant Approval: Three Separate Steps](https://finbridge.ltd/blog/company-formation-vs-banking-vs-merchant-approval): Offshore company formation does not guarantee a merchant account. Learn the three separate steps, who approves each, typical timelines and common gaps.
- [Bank Account for a High-Risk Business: Why Banks Say No and What Works](https://finbridge.ltd/blog/high-risk-business-bank-account-guide): Why banks de-risk high-risk businesses, how banks, EMIs and IBAN accounts differ, what banks ask for, and how to document source of funds before applying.
- [Website Requirements for Merchant Account Approval: A Compliance Checklist](https://finbridge.ltd/blog/merchant-account-website-compliance-checklist): Website requirements for merchant account approval: terms, privacy, refunds, contact details, descriptor, pricing, subscription consent and age gates.
- [MCC Codes for High-Risk Merchants Explained](https://finbridge.ltd/blog/mcc-codes-high-risk-merchants): What an MCC is, common high-risk codes like 5968, 5966, 5967, 7995, 5122, 5993 and 4722, and why accurate coding matters. Miscoding is a network violation.
- [Best Payment Processor for Dropshipping Stores in 2026](https://finbridge.ltd/blog/best-payment-processor-for-dropshipping-2026): Looking for the best payment processor for dropshipping? Learn why stores get holds, what underwriters check, and how a dedicated account compares to PayFacs.
- [Where Can I Get a Merchant Account After a Stripe or PayPal Ban?](https://finbridge.ltd/blog/where-to-get-merchant-account-after-stripe-ban): Lost your Stripe or PayPal account? Learn why accounts get closed, what to do first, and where a legitimate business can apply for a dedicated merchant account.
- [Best High-Risk Payment Processors in 2026: How to Choose](https://finbridge.ltd/blog/best-high-risk-payment-processors-2026): Compare the best high-risk payment processors in 2026 by provider type, pricing, reserves and stability. See who FinBridge is best for and what to ask first.
- [High-Risk Merchant Account Providers Compared: Banks vs PayFacs vs Specialists](https://finbridge.ltd/blog/high-risk-merchant-account-providers-compared): Banks, payment facilitators or high-risk specialists? Compare high-risk merchant account provider types on approval, cost, stability and who each suits best.
- [Payment Processor Terminated Your Account Without Warning? A Complete Recovery Playbook](https://finbridge.ltd/blog/payment-processor-dropped-my-business): Payment processor dropped your business without warning? Follow this recovery playbook: protect funds, appeal, reopen processing and prevent it happening again.
- [Crypto Payment Settlement for High-Risk Merchants: How It Works](https://finbridge.ltd/blog/crypto-payment-settlement-for-high-risk-merchants): How crypto settlement works for high-risk merchants: card payments converted to stablecoins, fees, benefits, volatility, accounting and compliance basics.
- [Vape and E-Cigarette Merchant Account: How to Accept Card Payments](https://finbridge.ltd/blog/vape-e-cigarette-merchant-account): Vape and e-cigarette retailers: understand age verification, shipping restrictions, licensing and how to get a compliant high-risk merchant account.
- [Stripe Prohibited and Restricted Businesses List Explained](https://finbridge.ltd/blog/stripe-restricted-businesses-list-explained): Understand Stripe's prohibited and restricted businesses list: what is banned, what needs approval, and what to do if your industry is not supported.
- [iGaming, Sweepstakes and Skill Gaming Payment Processing Explained](https://finbridge.ltd/blog/igaming-skill-gaming-payment-processing): How iGaming, sweepstakes and skill gaming operators get card processing: licensing, MCC 7995, compliance, fees, reserves and payouts, in plain language.
- [Offshore Merchant Account Guide: Benefits, Risks and Compliance](https://finbridge.ltd/blog/offshore-merchant-account-guide): What is an offshore merchant account? Learn benefits, risks, legal compliance, KYC and tax considerations, and how Cayman Islands structures can fit.
- [Best PayPal Alternatives for High-Risk Merchants](https://finbridge.ltd/blog/best-paypal-alternatives-for-high-risk-merchants): Looking for PayPal alternatives for high-risk merchants? Compare merchant accounts, offshore acquiring, crypto and facilitators, and how to choose safely.
- [Travel Agency Merchant Account: Handling Future Delivery Risk](https://finbridge.ltd/blog/travel-agency-high-risk-merchant-account): Why travel agencies and tour operators are high-risk, how future delivery exposure works, what reserves to expect and how to get stable card processing.
- [KYC and KYB Documents for a Merchant Account Application](https://finbridge.ltd/blog/kyc-kyb-documents-merchant-account-application): Checklist of KYC and KYB documents needed for a merchant account application: company records, beneficial owner IDs, proof of address, and website policies.
- [Best Stripe Alternatives for High-Risk Businesses in 2026](https://finbridge.ltd/blog/best-stripe-alternatives-for-high-risk-businesses): Compare the best Stripe alternatives for high-risk businesses: dedicated merchant accounts, offshore acquiring, crypto settlement and payment facilitators.
- [Adult Content and Dating Site Merchant Accounts: What to Know](https://finbridge.ltd/blog/adult-dating-merchant-account): How adult content platforms and dating sites obtain compliant card processing: age verification, content rules, chargeback control, fees and reserves.
- [Visa and Mastercard Chargeback Thresholds: VAMP, ECM and EFM Explained](https://finbridge.ltd/blog/visa-mastercard-chargeback-thresholds): Understand Visa VAMP and Mastercard ECM and EFM monitoring programs, the typical thresholds, how ratios are calculated, and how to stay compliant.
- [On the MATCH List (TMF)? What It Means and How to Get a Merchant Account Anyway](https://finbridge.ltd/blog/match-list-terminated-merchant-file): Listed on the MATCH list or Terminated Merchant File? Learn why merchants get listed, how long it lasts and the honest options to process cards again.
- [Forex, Trading Education and Prop Firm Merchant Accounts Explained](https://finbridge.ltd/blog/forex-trading-education-merchant-account): Forex educators, signal providers and prop firms: learn how underwriting works, licensing issues, typical fees and how to get stable card processing.
- [How to Reduce Chargebacks in a High-Risk Business](https://finbridge.ltd/blog/how-to-reduce-chargebacks-high-risk): Practical ways high-risk merchants can reduce chargebacks: clear descriptors, fraud screening, dispute alerts, subscription best practices and evidence tips.
- [Stripe Holding Your Funds? Reserves, Paused Payouts and the 90-Day Wait](https://finbridge.ltd/blog/stripe-holding-funds-reserve): Stripe holding your funds or pausing payouts for 90+ days? Learn why reserves happen, how long they last and what to do to get paid and keep operating.
- [Merchant Account for Online Coaching, Courses and Digital Products](https://finbridge.ltd/blog/online-coaching-info-products-merchant-account): Sell coaching, online courses and digital products with stable card processing. Learn why banks see risk, what they ask for, and how to lower refunds.
- [Payment Facilitator vs Dedicated Merchant Account: Why Stripe and PayPal Freeze Accounts](https://finbridge.ltd/blog/payment-facilitator-vs-merchant-account): Compare payment facilitators like Stripe, PayPal and Square with a dedicated merchant account. Learn why aggregators freeze funds and when to switch.
- [Square Account Deactivated? What to Do Next](https://finbridge.ltd/blog/square-account-deactivated-what-next): Square deactivated your account? Find out why it happens, how to appeal, when you get your funds and how to keep accepting cards with a high-risk provider.
- [Subscription Business Payment Processing: Free Trials, Recurring Billing and Negative Option Rules](https://finbridge.ltd/blog/subscription-business-high-risk-payment-processing): How subscription and free trial businesses can process recurring payments safely: negative option rules, chargeback prevention, costs and processor selection.
- [Rolling Reserve Explained: How It Works for High-Risk Merchants](https://finbridge.ltd/blog/rolling-reserve-explained): What is a rolling reserve? Learn how percentages and holding periods work, how to calculate cash-flow impact, and how to negotiate better reserve terms.
- [Shopify Payments Disabled or Suspended? How to Keep Selling](https://finbridge.ltd/blog/shopify-payments-suspended-fix): Shopify Payments disabled or suspended on your store? Learn the common causes, how to respond and how to add a high-risk payment gateway to keep selling.
- [CBD and Nutraceutical Merchant Account: Payment Processing Guide](https://finbridge.ltd/blog/cbd-nutraceutical-merchant-account): How CBD and supplement brands can accept Visa and Mastercard: legal requirements, underwriting documents, typical fees, reserves and how to choose a processor.
- [High-Risk Merchant Account Fees Explained: Rates, Reserves and Setup Costs](https://finbridge.ltd/blog/high-risk-merchant-account-fees-explained): Understand every high-risk merchant account fee: processing rates, rolling reserves, setup, monthly maintenance and chargeback fees, plus how to compare quotes.
- [PayPal Account Limited or Permanently Suspended? Understanding the 180-Day Hold](https://finbridge.ltd/blog/paypal-account-limited-or-suspended): PayPal limited or suspended your account? Learn why PayPal holds funds for 180 days, how to respond, and how to keep taking payments in the meantime.
- [High-Risk Ecommerce Merchant Account: A Complete Guide for Online Stores](https://finbridge.ltd/blog/ecommerce-high-risk-merchant-account): Find out when an online store needs a high-risk ecommerce merchant account, what it costs, which documents you need and how to choose a reliable provider.
- [How to Get Approved for a High-Risk Merchant Account](https://finbridge.ltd/blog/how-to-get-approved-for-high-risk-merchant-account): Step-by-step guide to a stronger high-risk merchant account application: documents, website checklist, processing history, and common mistakes to avoid.
- [Dropshipping Merchant Account: Why It Is High-Risk and How to Get One](https://finbridge.ltd/blog/dropshipping-high-risk-merchant-account): Learn why dropshipping is classed as high-risk, what underwriters check, and how to get a stable dropshipping merchant account with Visa and Mastercard.
- [What Is a High-Risk Merchant Account? A Plain-English Guide](https://finbridge.ltd/blog/what-is-a-high-risk-merchant-account): Learn what a high-risk merchant account is, why banks label businesses high-risk, how it differs from standard accounts, and how to choose a stable provider.
- [Stripe Account Suspended or Closed? What to Do Right Now](https://finbridge.ltd/blog/stripe-account-suspended-what-to-do): Stripe account suspended or closed? Learn why it happens, how to appeal, how to recover your funds and how to keep accepting card payments in the meantime.

## Full content
- [llms-full.txt](https://finbridge.ltd/llms-full.txt): Full text of every solution page and guide in one file