From regulated exchanges to OTC desks to non-custodial wallets, BoazPay places digital-asset businesses with acquirers that actually underwrite crypto — without the surprise terminations Stripe and PayPal are famous for.
No application fee · No setup fee · Decisions in 48–72 hours
Crypto sits at the intersection of FinCEN, SEC, and state regulations — an evolving rulebook that most acquiring banks are not equipped to navigate.
Card-to-crypto purchases see persistent friendly-fraud chargebacks, especially after price drops when buyers experience remorse.
Once crypto is delivered, it cannot be reversed — creating a structural asymmetry that acquirers' standard risk models don't accommodate.
MSB, VASP, and state money-transmitter requirements vary by jurisdiction. Banks need a partner who can distinguish a regulated exchange from a casual OTC desk.
| MCC | Description |
|---|---|
| 6051 | Quasi-Cash — Merchant |
| 6012 | Financial Institutions |
| 5734 | Computer Software |
| 7372 | Computer Services |
MCC assignment is at the acquiring bank's discretion. Your BoazPay account manager will confirm your MCC during underwriting.
Typical industry rate: 0.8% – 2.0%
Crypto merchants frequently see chargeback ratios between 0.8% and 2.0% — driven by friendly fraud, customer remorse after price drops, and unauthorized-use claims. BoazPay includes real-time chargeback alerts, 3DS 2.0 enforcement, device fingerprinting, velocity rules tailored to first-purchase vs. repeat-buyer behavior, and a hot-wallet delay window that prevents instant crypto delivery on flagged transactions.
Most crypto applications are decisioned within 3–5 business days of receiving complete documentation. Licensed exchanges and regulated MSBs typically move faster; new businesses without prior processing may take longer due to enhanced due diligence.
Typical crypto discount rates range from 4.50% to 7.95% plus $0.25–$0.45 per transaction, with rolling reserves of 5%–15% held for the first 6–9 months on new accounts. Volume above $500K monthly typically qualifies for tier improvements.
Your custom quote depends on your industry, volume, and history — get a free assessment in 60 seconds.
No application fee · No setup fee · No long-term contract
Questions? Call +1 (602) 812-0363 or email info@boazpay.com
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