Card to crypto merchant processing
Customers pay by card. You get stablecoins in about 15 minutes.
The fastest and lowest-cost way to take cards with BBWholesale. No credit check, no rolling reserve, no monthly minimum, and MATCH-listed merchants are accepted.
Card on the front end. Crypto on the back end.
Your customers pay by card. You receive dollar-pegged stablecoins instead of waiting on a bank transfer.
Sign up and get approved
Fill in the short sign-up form and get a decision the same day. Then connect our WooCommerce plugin or API, usually in about 10 minutes.
Customer pays by card
Shoppers use a debit or credit card through PayPal, Cash App or Venmo. The sale is converted into stablecoins.
You get paid in about 15 minutes
Stablecoins land in your Polygon wallet, less the 4% transaction fee.
Fast and open, with one trade-off
Card to crypto gets more merchants paid, faster and for less. The cost is a checkout that's less familiar to your customers.
- Paid in about 15 minutes
- Lowest cost: $100 a month plus 4%, with no setup fee
- Same-day approval
- No credit check or business information required
- MATCH-listed merchants accepted
- No rolling reserve and no monthly minimum
- Less user friendly than a standard card checkout
- Customers pay through PayPal, Cash App or Venmo, with extra steps
- Paid in stablecoins, so you need a Polygon wallet
- Moving funds to a bank goes through an exchange of your choice
Card to crypto vs. standard processing
Card to crypto wins on speed, cost and access. Standard processing wins on customer experience and bank payouts.
| Feature | Card to crypto | Standard processing |
|---|---|---|
| Customer checkout | Less user friendly. Customers pay by card through PayPal, Cash App or Venmo, with extra steps | More user friendly. All cards, in a familiar card checkout |
| Processed by | Third-party payment partners | A domestic bank provider (not Stripe) |
| How you get paid | Stablecoins to your Polygon wallet | ACH to your bank account |
| Payout speed | About 15 minutes | 1–4 days |
| Approval | Same day | 1–2 business days |
| Setup fee | None | $500 one time |
| Monthly fee | $100 network fee | $250 network and compliance fee |
| Per transaction | 4% | 8% |
| Rolling reserve | None | None |
| Monthly transaction minimum | None | None |
| Credit check | Not required | Required |
| Business information | Not required beyond the short sign-up form | Required |
| MATCH-listed merchants | Accepted | Not accepted |
| Legal business name | No word restriction | Legal LLC or Inc name can't include peptides, compounds or amino. A DBA with those words is OK |
| Member services | Included | Included |
| Card to crypto | This is the service | Included as an option and backup |
Approval and payout times are typical, not guaranteed. Every application is reviewed.
Estimate only. Standard processing also has a $500 one-time setup fee, not shown above. Card to crypto excludes blockchain gas or wallet fees outside BBWholesale.
Processing and product
Card to crypto includes every member service. See membership benefits.
- Wholesale pricing on 60+ SKUs, sold by the vial
- 3PL and dropshipping on every SKU
- RUO compliance updates
- Direct access to our support team
Card to crypto questions
What is card to crypto?
Your customers pay by debit or credit card through PayPal, Cash App or Venmo. The sale is converted to stablecoins and sent to your wallet on the Polygon network, usually in about 15 minutes.
Do I need a credit check?
No. Card to crypto doesn't require a credit check or business information beyond the short sign-up form.
Can MATCH-listed merchants use card to crypto?
Yes. Card to crypto accepts MATCH-listed merchants. Standard processing doesn't.
Is there a rolling reserve or monthly minimum?
No. There's no rolling reserve and no minimum monthly transaction amount.
What does it cost?
A $100 monthly network fee plus 4% per transaction, with no setup fee.
What's the downside?
It's less user friendly than a standard card checkout. Customers pay through a payment app with extra steps, and you're paid in stablecoins rather than to a bank account. If that matters more to you than speed and cost, look at standard processing.
Do I still get member services?
Yes. Wholesale pricing, 3PL and dropshipping, compliance updates and support are all included. See membership benefits.
Can I see it working?
Yes. Try the crypto demo to see the checkout your customers would use.
Start taking cards today
Get approved the same day and receive stablecoins about 15 minutes after each sale.