# Card payments for crypto on-ramps and exchanges

Card acceptance for crypto on-ramps, exchanges, wallets and NFT platforms. One KYC application to acquirers that board crypto, routed by country and failover.

Page: https://www.orchestrapay.com/regulated-industries/card-payments-for-crypto-on-ramps-and-exchanges

Typical merchant category code: 6051.

## What acquirers look at

Card purchases of crypto are quasi-cash transactions, heavily targeted by fraud, and regulated as money transmission or virtual asset services in most markets. Acquirers expect registration and strong customer verification.

- **Registration or license.** Registration as a virtual asset service provider, money transmitter or equivalent in each market you serve.
- **Customer KYC and AML.** Identity verification before purchase, sanctions screening and transaction monitoring.
- **Fraud controls.** Velocity limits, device checks and 3D Secure on card purchases.
- **Correct coding.** Transactions coded as quasi-cash (MCC 6051) or as your acquirer requires.
- **Wallet ownership checks.** Controls that funds go to wallets the customer owns.

## How Orchestrapay helps

1. **Acquirer Network.** One KYC application, sent to the acquirers in our network of 40+ that board crypto businesses, pre-matched to each acquirer's boarding rules and aware of MATCH status. Approval is always the acquirer's decision.
2. **Never depend on one processor.** Run several merchant accounts behind Smart Routing, with failover when one is paused, and keep your customers' cards in a vault you own.
3. **Keep your accounts.** Chargeback Alerts, Dispute Deflection, VAMP & MATCH Management, 3D Secure and the Antifraud Engine keep dispute and fraud ratios under the card scheme thresholds.

You must hold the licenses and registrations your markets require.

## FAQ

**Can I accept cards for crypto purchases?** Yes, through acquirers that board crypto. We send one application to the ones in our network whose rules match your licenses and markets.

**Should every crypto purchase use 3D Secure?** Most crypto merchants force 3D Secure on card purchases, which moves fraud liability to the issuer. You set it per routing rule.

**Why are crypto card payments declined so often?** Some issuers block crypto purchases entirely. Running more than one acquirer lets a soft decline retry elsewhere.

**Do you hold customer funds?** No. Orchestrapay routes card payments to your merchant accounts; settlement goes from the acquirer to you.

**What about payouts to cards?** Talk to us about payout flows; support depends on the acquirer.

## Related

- [Acquirer Network](https://www.orchestrapay.com/products/acquirer-network.md)
- [Never depend on one processor](https://www.orchestrapay.com/solutions/processor-redundancy.md)
- [VAMP & MATCH Management](https://www.orchestrapay.com/solutions/vamp-match-management.md)
- [All regulated industries](https://www.orchestrapay.com/regulated-industries.md)
- [Talk to sales](https://www.orchestrapay.com/contact)