themos

Crypto Payments

Crypto Payments Without the Account Closures

We connect crypto businesses with acquirers who understand blockchain - and won't terminate you at the first compliance review.

Talk to Us

The Challenge

Bank account closures

Banks terminate crypto accounts without warning. One compliance flag and you're scrambling for alternatives.

MCC restrictions

Most acquirers auto-decline anything with 'crypto' in the application. The few that don't have long waitlists.

Regulatory uncertainty

MiCA, SEC, FCA - the rules keep changing. PSPs want to know you're staying ahead of compliance.

High chargeback exposure

Volatile prices mean buyer remorse. Add the 'unauthorized transaction' claims and you're fighting chargebacks constantly.

Fiat on/off ramp complexity

Converting between crypto and fiat requires PSPs who can handle both worlds without freezing funds.

Our Approach

Crypto-friendly acquirers

We work with PSPs who actually understand blockchain businesses - not just tolerate them until the first review.

License-aware matching

MiCA-registered, FCA-authorized, or operating in crypto-friendly jurisdictions - we match you with PSPs that fit your regulatory status.

Fiat gateway specialists

On-ramps, off-ramps, and everything in between. We connect you with PSPs built for crypto-fiat conversion.

Chargeback prevention

Crypto has unique fraud patterns. We help you implement prevention tools before your ratios become a problem.

Backup acquirer strategy

Crypto businesses need redundancy. We help you set up multiple PSP relationships so one termination doesn't shut you down.

Volume-appropriate solutions

Whether you're doing 50k or 50M monthly, we find PSPs sized to your business. No more being too small or too big.

Frequently Asked Questions

Do you work with unregulated exchanges?

We focus on regulated or compliance-ready businesses. Fully anonymous exchanges with no KYC are nearly impossible to place with legitimate PSPs. If you're working toward licensing, we can help.

What types of crypto businesses do you work with?

Exchanges, wallet providers, NFT marketplaces, DeFi platforms with fiat entry points, crypto payment processors, and blockchain service companies. If you touch fiat, we can probably help.

How long does PSP approval take for crypto?

Typically 4-8 weeks. Crypto applications get extra scrutiny. Having your licenses, compliance docs, and processing history ready speeds things up.

What rates should I expect?

Card processing for crypto typically runs 4-8% plus transaction fees. Rates depend on your license jurisdiction, volume, and chargeback history. We can benchmark your current rates.

Can you help with stablecoin settlement?

Some of our PSP partners offer USDT/USDC settlement options. This is growing but still limited to specific partners and jurisdictions.

Ready to find the right PSP for your crypto business?

Tell us about your business. We'll show you your options.

Get Started