Accept cryptocurrency payments with confidence

Yes, we support cryptocurrency exchanges with card payment processing for fiat deposits. Your exchange must hold appropriate regulatory registration: FCA crypto-asset registration in the UK, or equivalent authorization in your operating jurisdiction. We evaluate exchanges based on regulatory status, AML procedures, trading volume, and operational history. Registered exchanges with clean compliance records typically receive a first response within 24-48 hours. We also support emerging exchanges working toward registration, with modified terms reflecting the regulatory pathway.

Requirements depend on your business model and operating jurisdiction. For UK-based exchanges, custodians, or fiat-crypto services, FCA crypto-asset registration is typically required. EU businesses need registration under national implementations of AMLD5/6, with MiCA compliance increasingly relevant. For non-custodial services or certain business models, standard KYC may suffice. During file review, an analyst evaluates your specific situation and lists the requirements that apply. We can process applications from businesses actively pursuing registration with documented progress.

We apply a 10-15% rolling reserve during the initial 6-month period, held for 180 days on a rolling basis. This is standard for high-risk sectors and protects against chargebacks and settlement risk. After 6 months of clean trading history (low chargebacks, no compliance issues, stable volume), we review for reserve reduction. Established businesses with strong track records may negotiate reduced or eliminated reserves. The reserve remains your money and is released on schedule: it's a timing issue, not a fee.

Absolutely: this dual capability is one of Bridge Pay's key differentiators. Through a single merchant account, you can accept traditional card payments (Visa, Mastercard, AMEX) and cryptocurrency payments (BTC, ETH, USDT and 50+ cryptocurrencies). This serves customers regardless of their preferred payment method. Card payments settle in fiat; crypto payments can settle in your choice of cryptocurrency or convert automatically to GBP/EUR/USD. Our unified dashboard provides consolidated reporting across both payment types.

When a customer pays in cryptocurrency, our system can automatically convert to your settlement currency (GBP, EUR, USD) at the current market rate with a transparent spread (typically 0.5-1%). This protects you from volatility: you receive predictable fiat settlements regardless of crypto price movements. Alternatively, you can receive settlement in cryptocurrency if you prefer exposure. The conversion happens at transaction time, and settlement occurs on your regular payout schedule (SEPA, within 3 business days). Our dashboard shows both original crypto amounts and fiat equivalents.

We support major blockchains including Ethereum (and ERC-20 tokens), Bitcoin, Binance Smart Chain (BEP-20), Polygon, Solana, and Arbitrum. Specific cryptocurrencies include BTC, ETH, USDT (multiple networks), USDC, DAI, BNB, POL, SOL, and 40+ others. Stablecoin support is particularly robust given their popularity for commercial transactions. We continuously add new chains and tokens based on merchant demand. Our API provides real-time information on supported assets and conversion rates.

Card-to-crypto transactions carry elevated chargeback risk as customers may dispute purchases of volatile assets. Bridge Pay provides comprehensive chargeback management including: real-time alerts, dispute response templates specific to crypto transactions, integration with prevention services (Verifi, Ethoca), and a dispute kit for complex cases. The kit also lists the practices that reduce chargebacks: clear terms of service, immediate delivery confirmation and customer communication. Merchants with persistent high chargebacks (>2%) may face account review. Note that pure crypto-to-crypto transactions have no chargeback risk.

Coinbase Commerce is crypto-only: you can accept cryptocurrency payments, but not traditional cards. Bridge Pay provides dual capability: accept both cards (Visa, Mastercard) and cryptocurrencies through a single merchant account. This is crucial for businesses serving diverse customer preferences. Additionally, Bridge Pay offers automatic fiat conversion (Coinbase Commerce settles in crypto only), VASP compliance support, dedicated account management, and UK/EU banking relationships. For businesses needing both payment types with proper compliance support, Bridge Pay provides more comprehensive capability.

Yes, we support NFT marketplaces, Web3 platforms, and DeFi-adjacent services. Our smart contract integration capability enables payment flows for minting, secondary sales, and auction scenarios. For marketplaces, we can process creator payouts and buyer payments with appropriate compliance frameworks. Web3 platforms using our API can implement seamless fiat on/off ramps. Specific requirements depend on your platform model: our team evaluates NFT and Web3 applications individually to ensure appropriate terms and compliance frameworks.