A complete high risk crypto payment processing arrangement includes more than a payment gateway. The merchant also needs wallet infrastructure to receive confirmed transactions, an integration layer that connects payment activity to operational and accounting systems, and a settlement arrangement that converts cryptocurrency receipts to fiat currency on a workable schedule. Settlement frequency and conversion terms vary based on the merchant's transaction volume, the cryptocurrencies being processed, and how quickly the business needs access to fiat funds for operating expenses. These are not details to resolve after deployment. 27 Blockchain establishes the full merchant account structure, including settlement terms, during the integration planning process so the merchant understands exactly how funds move through the system before going live.
Unlike conventional high risk merchant accounts, the crypto merchant account arrangement 27 Blockchain provides does not include rolling reserves. Conventional processors hold back a percentage of processing volume as a buffer against chargeback liability, which can tie up a significant portion of a high risk merchant's revenue at any given time. Because blockchain transaction finality eliminates the chargeback exposure that rolling reserves are designed to buffer, 27 Blockchain does not impose them. The merchant receives the full value of confirmed transactions on the settlement schedule established at integration, without a percentage being held back against a liability that the blockchain architecture has already addressed. Merchants who want to understand the full account structure before committing to the integration can raise these questions at the start of the assessment process.
