Cryptocurrency Merchant Accounts

Banks turn away cryptocurrency businesses. Payment processors flag them on sight. If you run an exchange, wallet, trading platform, or crypto-adjacent service, you already know the drill — account closed, funds frozen, back to square one.

PaymentGuardian works with crypto merchants that traditional processors won’t touch. We’ve built relationships with acquiring banks that understand blockchain-based businesses and know how to underwrite them without the blanket rejection.

What We Support

• Cryptocurrency exchanges and trading platforms
• Digital wallet providers
• Crypto ATM operators
• NFT marketplaces
• Token sales and ICO-adjacent services
• Crypto education and subscription platforms
• Mining hardware and equipment retailers

The Real Problem with Crypto Accounts

Cryptocurrency businesses face a double exposure: your industry is flagged as high-risk, and your customers are buying something volatile that generates chargebacks at higher rates than most verticals. Banks price that risk in — or they don’t work with you at all.

We put you in front of banks that do work with crypto, negotiate rates based on your actual processing history, and structure accounts to stay open. That means proper chargeback thresholds, transparent reserve policies, and an account manager who won’t pull the plug the first time crypto makes the news.

What to Expect

• Multiple acquiring bank options — no single point of failure
• Offshore and domestic account placement
• Competitive rates based on processing volume and chargeback history
• Rolling and capped reserve options
• ACH, wire, and multi-currency settlement
• Gateway integration support
• Free DescriptorGuard on every MID

A crypto exchange processing $400K/month had been dropped by two processors in six months. After placement through our network, they secured a domestic account with a 1% rolling reserve and a 90-day release schedule. Account has been active for 14 months without interruption.