Liberty Enterprises Review

June 5, 2022

Liberty Enterprises specializes in merchant accounts and services for domestic and offshore businesses. The company highlights its connections with reputable banks in different territories. Its main objective is to offer secure and reliable payment processing anywhere in the world.

Below is an overview of merchant services offered by Liberty Enterprises:

  • Domestic and offshore merchant accounts
  • Payment gateway
  • Payment processing for credit cards and ACH/e-check payments
  • E-commerce integrations via API


Liberty Enterprises Merchant Services

Domestic and Offshore Merchant Accounts

Liberty Enterprises helps businesses set up merchant accounts in local and international territories. These include merchants from high-risk industries and high-volume businesses. Merchants will benefit from the company’s knowledge and partnerships with global banks and processors. That said, merchant accounts can be set up with your currency of choice.


For high-risk merchants, the company only accepts applications from businesses with a monthly processing volume of at least $75,000.

For low-risk merchants, they must have a processing volume of at least $40,000.

For start-up companies with no processing history, Liberty Enterprises offers third-party accounts. It will be one of the multiple accounts connected to a master merchant account. Lastly, the company also offers direct accounts with lower rates.

Once a merchant account is set up, merchants will have access to the company’s payment gateway, payment processing solutions, and API integrations. Liberty Enterprises claims to have a 99% approval rate and a 24-hour approval process. After approval, it will take 3 to 4 weeks to set up the account.

Payment Gateway

Liberty Enterprises offers payment gateway options for merchants. It will recommend the best solution and integrate it into the merchant’s existing system.

Payment Processing

Liberty Enterprises enables merchants to process payments from major credit cards. This includes Visa, MasterCard, and American Express. Merchants can also process ACH and e-check payments through a virtual terminal. It includes features like batch uploads and recurring billing.


These payment processing solutions apply to offshore merchants as well. Moreover, they can process multi-currency payments.

E-commerce Integrations

E-commerce merchants will have access to APIs to integrate their websites to their chosen payment gateway.


Liberty Enterprises Fees, Rates, and Pricing

Liberty Enterprises offers a comprehensive package for $5499, which includes the following service

  • An IBC (International Business Corporation) in Panama, Belize, or BVI
  • A European or Caribbean offshore bank account
  • A one-hour free consultation period

Merchants can pay an additional $1999 for an offshore merchant account. It covers payment processing for Visa, MasterCard, and American Express transactions. Merchants can also request cryptocurrency processing.

Processing Fees

According to its website, Liberty Enterprises charges $0.20 per transaction. Other than that, the company does not disclose its exact processing fees and interchange rates.

The company offers discount rates for direct accounts and third-party accounts. For direct accounts, discount rates vary from 5% to 6.75%. For third-party accounts, rates range from 7% to 11%.

Additional Fees

Liberty Enterprises claims that it does not charge upfront deposits for most merchants. It is unclear whether they charge monthly fees and early termination fees. For chargebacks, there is a $0.25 fee.


Hidden Charges

Merchants should discuss pricing in detail to avoid any hidden charges.


Liberty Enterprises Complaints

There don’t seem to be any complaints about Liberty Enterprises. This is likely due to the company’s limited online presence and lack of customer reviews.

Rip Off Reports

Consequently, there seem to be no reports of rip-offs or scams against the company.

Other Complaints

The same goes for all other types of negative feedback.


Liberty Enterprises BBB Rating

Liberty Enterprises is not an accredited company by the BBB.

BBB Reviews

It does not have any BBB reviews, nor does it have a BBB profile page.


Is Liberty Enterprises Legitimate?

Liberty Enterprises is a legitimate company based in Panama. According to its website, it was established in 1995 but it expanded its online presence only in 2003. It specializes in offshore merchant accounts and credit card processing. It also offers services to establish IBCs (international business corporations) in different territories. In the last few years, the company has ventured into Bitcoin trading accounts and Panama residency services.

Liberty Enterprises also appears in a few PR articles. They mostly discuss the company’s merchant services and offerings. Other than that, it does not appear on any merchant blog sites or customer review sites.


Liberty Enterprises does not seem to be involved in any scams or reports of fraud.



There don’t seem to be any lawsuits against the company either.


Liberty Enterprises Customer Reviews

The Liberty Enterprises website includes testimonials from several merchants. They are businesses from different countries like Australia, South Africa, Japan, Germany, Scotland, and more. They praise the company for its expertise in opening offshore merchant accounts and IBCs in various territories. They also highlight the company’s customer service and professionalism.


Outside its website, online information about Liberty Enterprises is limited. There is only one customer review on Facebook. It gave the company a 5-star rating but did not include any testimonials.



Overall, Liberty Enterprises is a good option for businesses looking to operate in international territories. The company has decades’ worth of knowledge and experience in offshore merchant accounts and IBCs. While customer reviews are limited, its website testimonials seem to come from satisfied merchants.

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