Aquisição para a indústria financeira Empresas de criptomoedas.
As empresas de criptomoedas navegam num cenário de pagamentos complexo. A Cardflo oferece uma plataforma de orquestração de pagamentos resiliente, adaptada aos requisitos únicos do sector das criptomoedas, garantindo um processamento de pagamentos seguro, conforme e de alta conversão.
- Indústria
- Empresas de criptomoedas
- Categoria
- Finanças
- Suporte Cardflo
- Sim
A visão geral
Cryptocurrency businesses operate within a high-risk classification that necessitates specific merchant category codes (MCCs) and robust gateway infrastructure. These entities, including exchanges, wallet providers, and fiat on-ramp services, require reliable card-to-crypto processing to maintain liquidity and user experience.
Payments in this sector are frequently scrutinised by issuing banks, often resulting in higher decline rates due to perceived volatility or regulatory concerns.
To manage this, a multi-acquirer strategy is typically employed, utilising payment orchestration to route transactions based on regional risk appetite and BIN-level performance. Merchants must balance stringent Anti-Money Laundering (AML) and Know Your Customer (KYC) requirements with the need for low-latency authorisation.
By integrating with specialised acquirers who understand the digital asset lifecycle, crypto firms can mitigate the risk of account closures or sudden fund freezes.
This involves managing the settlement of fiat currency into designated corporate accounts while maintaining compliance with local financial conduct authorities and international scheme rules.
Como funciona
On-Ramp Transaction Initiation
A user initiates a purchase of digital assets using a credit or debit card. The payment gateway captures the transaction details and performs initial risk scoring, including 3D Secure 2.
0 authentication to satisfy Strong Customer Authentication (SCA) requirements under PSD2, reducing the likelihood of later fraud-related chargebacks.
Dynamic Transaction Routing
The orchestration layer analyses the transaction against available merchant accounts. It selects an acquirer with a proven preference for crypto-related MCCs 6051 or 6012.
This prioritisation is based on the issuer's geographic location and historical approval rates to minimise technical and risk-based declines.
Acquirer and Scheme Processing
The chosen acquirer submits the authorisation request to the card scheme. The issuer evaluates the transaction for sufficient funds and risk profile.
Transactions in this vertical are often subject to stricter velocity checks and fraud filters compared to standard retail or recurring service categories.
Settlement and Reconciliation
Upon successful authorisation and capture, funds are processed through the card network for settlement. The acquirer transfers the fiat amount, minus interchange, scheme fees, and processing margins, to the merchant’s account.
This liquidity is then utilised by the exchange to fulfil the digital asset delivery.
Por que importa
Redundancy and Business Continuity
Acquirers may change their risk appetite for crypto-related volume with little notice, potentially leading to immediate termination of merchant IDs (MIDs).
Implementing a diversified payment stack across multiple jurisdictions ensures that a single acquirer's decision to exit the sector does not result in total service downtime, protecting the merchant's ability to maintain operations and liquidity.
Authorisation Rate Optimisation
Crypto transactions suffer from higher-than-average 'do not honour' declines. Utilising network tokens and local acquiring entities can significantly improve these coefficients.
By processing transactions locally rather than cross-border, businesses often see a reduction in issuer friction and a corresponding increase in conversion, which is critical for high-volume exchange environments.
Notas regulatórias
Card Scheme Compliance and MCCs
Visa and Mastercard have specific rules for 'High-Brand Risk' merchants, which include many cryptocurrency businesses. Merchants must ensure they are correctly registered under the proper MCCs and comply with additional reporting requirements.
Failure to disclose the nature of the business or 'laundering' transactions through a low-risk MID can result in substantial fines and permanent blacklisting from the card networks.
AML and PSD2 Frameworks
Crypto payment processing in the UK and EEA is subject to the Money Laundering Regulations and the Payment Services Directive. This requires firms to perform comprehensive KYC on all users and maintain transaction monitoring systems.
As the industry moves toward PSD3 and MICA (Markets in Crypto-Assets) in the EU, the requirements for transparency and consumer protection are expected to become even more rigorous, impacting how payments are authorised and settled.
Casos de uso
Centralised Crypto Exchanges
Exchanges processing high volumes of retail fiat-to-crypto deposits require a robust orchestration layer to manage thousands of transactions daily across diverse global regions and currencies.
Non-Custodial Wallet Providers
Wallet interfaces integrating fiat on-ramps need secure API-based payment processing that minimises friction while ensuring full compliance with card scheme rules regarding the sale of digital assets.
Web3 Gaming Platforms
Platforms selling in-game assets or currencies via blockchain technology require card acceptance that can handle micro-transactions and high-frequency purchasing patterns without triggering aggressive fraud blocks.
Institutional OTC Desks
Over-the-counter desks processing significant transaction values require highly secure, often manual, authorisation flows and specialised account management to accommodate larger fiat transfers and stringent KYB checks.
Em números
Industry data suggests that moving from a single cross-border acquirer to a localised multi-acquirer strategy can result in significant increases in authorisation success for crypto firms.
Card schemes typically initiate monitoring programmes if a merchant's dispute ratio exceeds 1% of transaction count or value, a critical metric for high-risk crypto entities.
In the European and UK markets, nearly all crypto-related card volume is now processed via 3DS2 to comply with SCA and manage fraud liability effectively.
Termos relacionados
Book a scoping call to see how Cardflo would set you up.
O que está incluído.
- Aquisição especializada para transações relacionadas com criptomoedas.
- Soluções de gateway fiat-para-cripto e cripto-para-fiat sem interrupções.
- Deteção de fraude melhorada para transações de ativos digitais.
- Suporte de conformidade regulamentar para pagamentos de criptomoedas.
- API flexível para integração com exchanges e carteiras de criptomoedas.
- Recuperação robusta de recusas específica para pagamentos digitais de alto risco.
- Tokenisation of card data to support recurring deposits and minimise PCI-DSS compliance scope.
- Comprehensive reporting for reconciliation between fiat settlements and internal blockchain ledger entries.
- Low-latency API integration designed for high-frequency trading and wallet on-ramp environments.
- Dedicated support for KYB processes required by specialised high-risk payment service providers.
Talk to an acquiring specialist about your MID setup.
Perguntas frequentes.
Como é que a Cardflo suporta transações fiat-para-cripto?
A Cardflo fornece gateways seguros que facilitam a conversão de moedas fiduciárias tradicionais em criptomoedas. A nossa plataforma garante que estas transações são processadas de forma eficiente e em conformidade com as regulamentações financeiras para empresas de criptomoedas.
Que soluções de aquisição específicas a Cardflo oferece para empresas de cripto?
A Cardflo faz parcerias com adquirentes especializados que compreendem o mercado de criptomoedas. Isto proporciona às empresas de criptomoedas relações de processamento estáveis, taxas de aprovação mais elevadas e gestão de risco adaptada, abordando desafios específicos da indústria.
A Cardflo pode ajudar com a conformidade regulamentar para pagamentos de criptomoedas?
Sim, a Cardflo auxilia as empresas de criptomoedas na navegação pelas regulamentações de pagamento.
A nossa plataforma foi concebida com funcionalidades de conformidade e fornecemos orientação sobre as melhores práticas para ajudar a garantir que as suas operações de pagamento aderem aos padrões em evolução da indústria.
Can crypto businesses use standard payment gateways?
Many mainstream gateways have restrictive terms of service that prohibit the sale of digital assets or speculative instruments. Crypto businesses generally require specialised gateways or orchestration platforms that have direct integrations with high-risk acquirers.
Standard providers may terminate accounts without notice if they find crypto-related volume on a legacy MID, making specialised infrastructure necessary for operational stability.
What role does a rolling reserve play in crypto payment processing?
Acquirers often implement a rolling reserve for high-risk merchants, where a percentage of daily turnover (typically 5% to 10%) is held for a set period (e. g.
, 90 to 180 days). This reserve acts as a buffer against potential chargebacks and refunds.
For crypto businesses, managing these reserves is critical for cash flow planning, and maintaining low dispute ratios can sometimes lead to a reduction in reserve requirements over time.
How can I reduce the risk of chargebacks in the crypto sector?
Chargeback prevention relies on robust identity verification (KYC) and the use of 3DS2. Additionally, merchants should use clear soft descriptors so customers recognise the transaction on their bank statements.
Implementing real-time monitoring to detect suspicious velocity patterns can also block fraudulent attempts before they are processed. Providing rapid customer support to resolve issues before they escalate to a formal dispute is another vital preventative measure.
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Fale-nos do seu negócio. Iremos apresentá-lo aos parceiros adquirentes e à rota certa, normalmente em menos de uma semana.