Domestic and offshore describe parts of an acquiring arrangement, not a quality rating or approval promise. Compare the actual provider, contracting entity, accepted business model, payment flow, and agreement. Cybin can help prepare that comparison for your business.
Identify the parties and locations
- The legal entity signing the merchant agreement.
- The acquirer, processor, gateway, and any intermediary involved.
- Where the merchant operates, where customers are located, and where funds are received.
- The regulatory and contractual framework governing the arrangement.
Review acceptance without assuming broader permission
A provider’s location does not establish that it accepts your products or that the activity is lawful in every market. Provider policies, such as Stripe’s published restricted-business rules, also distinguish activities and locations. Obtain written acceptance for the actual catalog, markets, and billing model.
Compare the complete terms
- Percentage, transaction, gateway, monthly, cross-border, and currency-conversion fees.
- Initial and routine funding, reserves, deductions, release conditions, and receiving-bank charges.
- Approved volumes and tickets, supported currencies, and conditions for changing the business.
- Dispute deadlines, reporting, support contacts, and escalation responsibilities.
- Contract term, termination conditions, governing law, and any continuing obligations.
Assess continuity and funds handling
Ask where funds are held, which entity owes the payout, and what protections actually apply. Do not infer deposit insurance or segregation from a marketing label. Confirm any proposed second account and routing arrangement with every provider before sending transactions to it.
Plan a controlled transition
Keep the existing checkout and customer obligations in view while a new application is reviewed. Confirm approval, integration, refund handling, reporting, and any permitted token migration before switching traffic. Apply through Cybin with the current agreement and the specific problem you need to solve; the provider controls approval and account terms.