The operators behind the MCC.
Exchanges and on-ramps
Fiat-to-crypto card acceptance for exchanges and dedicated on-ramp providers.
Wallets and custody
Card top-ups and funding flows for wallet and custody operators.
NFT and Web3 platforms
Marketplaces and Web3 platforms where card checkout sits next to on-chain settlement.
How card networks classify this vertical.
Typical ranges from our MCC catalogue: indicative, not a quotation. Reviewed 30 October 2026. The acquirer makes the final code assignment and sets final terms.
| MCC | Description | Risk tier | MDR (IC++) | Rolling reserve |
|---|---|---|---|---|
| 6051 | Non-FI, Foreign Currency, Money Orders, Crypto, Traveler's Cheques | High-risk | 0.5% - 5% | 5% - 15% |
Not sure which code applies? Run the 60-second MCC lookup.
What actually decides your file.
MiCA is the baseline now
MiCA replaced the patchwork of national VASP regimes in the EU, and the transitional period for existing national VASPs ended on 1 July 2026. Among EU acquirers, MiCA authorization has become the baseline expectation for underwriting crypto merchants.
Legacy VASPs face narrowing pools
Lithuania and Estonia registrations opened doors pre-MiCA. Acquirer acceptance of legacy national regimes keeps narrowing, which changes who will underwrite you and at what price.
The licence moves the price
MiCA-authorized operators typically land at 0.5 to 2.5% IC++ markup with 5 to 15% reserves, and access tier-one relationships that legacy regimes never opened.
How your licence plays with acquirers.
How crypto regulatory profiles play with acquirers, from our licence catalogue.
| Licence | Acquirer acceptance | The short version |
|---|---|---|
| MiCA CASP (EU) | Broad | The baseline expectation among EU acquirers. Opens tier-one relationships impossible under legacy VASP regimes. |
| France PSAN, VARA Dubai, ADGM | Moderate | Strong national and MENA frameworks with growing acquirer recognition. |
| Lithuania VASP, Canada FINTRAC | Moderate | Workable, with acquirers increasingly conditioning on a MiCA transition for EU-facing volume. |
| Estonia VASP | Narrow | Dramatically tightened since 2022. Surviving licensees are substantive operators, and acquirers know it. |
The BZNpay playbook for crypto and web3.
01
Regulatory mapping
We match your authorization, MiCA or national, to acquirers whose crypto policy explicitly covers it, instead of testing appetite by rejection.
02
Flow documentation
On-ramp flows, custody arrangements, Travel Rule compliance and AML programme, packaged the way crypto underwriters review them.
03
Card plus local rails
Card acceptance for the checkout, with local methods and corridors routed to the partners who price them best.
What partners typically ask crypto and web3 merchants for.
- MiCA authorization or national VASP registration
- AML programme and Travel Rule compliance
- UBO declarations
- Flow of funds documentation
- Processing history if any
Send what you have; we tell you plainly what is missing. KYB documents are requested after qualification, through a secure channel, and underwriting decisions rest with the acquiring partner.
Free tools for your file:
MCC lookupChargeback risk calculatorReason codesLicense lookupGlossaryHigh-risk guideCrypto and Web3 questions.
Do you work with operators that are not yet MiCA-authorized?
Yes. Locally licensed VASPs are placed with specialist acquirers whose policies cover their regime. For EU-facing volume, acquirers increasingly condition on a MiCA transition, and we will tell you plainly how that affects your shortlist.
What MCC does a crypto business get?
Card networks classify crypto under MCC 6051. In our catalogue it carries a typical MDR of 0.5 to 5% IC++ and rolling reserves of 5 to 15%, with the final assignment and terms set by the acquirer.
Which crypto businesses do you not place?
Activities prohibited by Visa or Mastercard rules, unregistered securities, and merchants in sanctioned jurisdictions under OFAC, EU or UN sanctions.
Get your crypto and web3 file in front of the right acquirer.
Tell us about your business. Qualified files typically come back within 24 hours with 2 or 3 partners whose appetite fits, confidential by default.
Review crypto acquiring →Also placed every week.
iGaming
Sportsbooks, casinos, poker, DFS. Licensed operators in regulated and newly regulating markets.
Forex and CFDs
FX brokerage, CFDs, prop firms. Complex structures, clean settlement.
Travel and OTAs
Airlines, booking platforms, DMCs. Solutions for chargeback exposure and cross-border volume.
Digital Entertainment and Creator Economy
Subscription platforms, content networks, creator payouts. High AOV merchants welcome.
Subscriptions and Digital
SaaS, streaming, gaming, dating. Recurring billing with descriptor and dunning optimization.
Dating
Mainstream and niche platforms, with compliant checkout and anti-fraud controls.
Nutraceuticals and CBD
Supplements, wellness, jurisdiction-compliant CBD retail.
Prop Trading
Funded-trader programs and evaluation fees, underwritten on the strength of the compliance file.