Expand into new markets with local directors and managers.
Getting an account opened abroad is easy. Keeping it, and the balance in it, comes down to who is on the file. We place vetted residents with clean records, real credit histories and genuine local addresses on your company, or set the company up with one on it.
- Approved
The account opens. Nothing looks wrong yet.
- Trading
Volume builds and the balance sits with the provider between payouts.
- Review lands
Ownership, the signer and the registered address get re-checked, often after growth or a dispute spike.
The local presence on the file does not survive it - Funds held
Payouts stop and the account is closed. The balance sits through the hold while every checkout and payout integration pointing at it breaks the same day.
- Recovery
You are a closed account arguing with a risk team. Some get paid out at the end of the hold, some get a partial release, some never see it.
Opening the account was never the hard part. This is the part that costs money.
See what triggers itDo you already have the company?
That one answer decides which of the two things we do you actually need.
Owner plus company
We find a vetted person in the market you want to sell in, form the company in their name, and put you in as the operator who runs it: marketing, sales, ops and IT.
- You have no company in the target market yet
- You have no resident who can own or sign for it
- You want one engagement that covers formation, the owner and the paperwork banks ask for
Local director or manager only
A vetted resident director, manager or signer appointed to the company you already have, so it can open the accounts that will not move without local representation.
- The company is already registered in the target market
- A bank or acquirer has asked for a resident director, manager or signer
- You need someone reachable when the institution calls back a year later
Not sure which? Find yourself here
A brand building toward a sale and a store running a 90-day offer want opposite things from the same structure.
Where the money actually goes
Nobody loses a business over a declined application. They lose it over a held balance months after approval.
Getting opened is the easy part
Plenty of setups will take a foreign-owned company: merchant of record platforms, aggregators, some fintech accounts. That is not the same as being safe. Easy onboarding means light checks up front and the real review later, once there is volume and a balance sitting there.
The review is where the money goes
Providers re-check live accounts, usually after growth or a dispute spike. Two findings end them: ownership that does not match who actually runs the business, and a registered address that appears on hundreds of other filings. That is a termination notice, not a warning, and the balance sits held while every checkout and payout integration pointing at it breaks the same day.
Aggregator rails are borrowed, not yours
On a merchant of record or aggregator setup you are trading under someone else's merchant account. You inherit their risk appetite and their thresholds, you have no direct acquirer relationship to argue with, and the day their model changes your processing changes with it.
What a real local person is worth
Beyond staying open, this is what a resident with a genuine record and a real address unlocks.
Your own merchant account
A direct acquirer relationship in the company's name, with its own merchant ID and its own processing history, rather than a slot inside someone else's account.
Commercial and high street banking
Traditional business banking rather than a fintech account that can be closed by email, with local settlement and local payment methods your buyers already use.
Terms that reflect a local file
Domestic underwriting usually means a smaller or no rolling reserve, higher volume ceilings, and faster increases, because the acquirer has a real counterparty it can hold responsible.
Elevated risk programmes
Verticals that aggregators decline outright are written by specialist acquirers, and those acquirers underwrite a resident signer and a genuine operating address.
Value at exit
Bank relationships and a merchant account in the company's own name transfer with the company, along with the processing history a buyer diligences. A platform account tied to a foreign owner does not carry over.
Someone to answer the review
When documents are requested on a deadline, an appointed person in-country responds. The review ends as a review instead of ending the account.
Markets we cover
Both options work in each of these. If yours isn't here, tell us and we'll say what's possible.
Plus 14 more markets across the Americas, Asia Pacific, the Middle East and Africa.
How it runs
Six steps, in this order, every time.
Enquiry
Tell us which of the two options you need, the country, and what the business actually sells.
Compliance review
We review the business, the beneficial ownership and the intended activity before accepting anything. Structures whose purpose is to hide ownership or control are declined.
Match
We identify a vetted local individual: either as a director or manager for your existing company, or as the owner of a company we form for the market.
Introduction and engagement
Signed terms define the appointee's role and duties, and your mandate as the operator running marketing, sales, operations and IT.
Onboarding support
Documentation prepared for bank and payment-provider applications, with the appointee participating where participation is legitimately required.
Ongoing administration
Filings, renewals and corporate changes handled on an ongoing plan. Replacements are recorded as an ended appointment and a new one.
What we will not do
- Passport images or proof-of-address documents as a product
- Identity verification performed by anyone other than the person being verified
- Email accounts in an appointee's name with credentials handed to a client
- Guaranteed bank or payment-provider accounts
- Any structure whose purpose is to hide beneficial ownership or control
Nothing is concealed
An appointment does not conceal the ultimate beneficial owner. Appointed directors, managers and owners remain subject to their legal duties, and beneficial ownership or control is disclosed wherever it is required.
How we screenTell us what you're building
Send the structure you have in mind. We review the business, the ownership and the intended activity before quoting anything.