Kratom merchant account terminations typically follow one of two patterns. In the first, a vendor opens a merchant account without disclosing that they sell kratom, the processor discovers the product during a routine review or through transaction monitoring, and the account is terminated immediately for selling a restricted product. In the second, a vendor discloses kratom sales during the application process and is declined outright. Both outcomes reflect the same underlying issue: traditional processors classify kratom as a product they are unwilling to serve regardless of the individual vendor's compliance record.
The MATCH list compounds the problem. A vendor whose account is terminated for selling kratom may be listed on the MATCH database, which other processors check before approving new accounts. A MATCH listing does not prohibit the vendor from obtaining processing, but it significantly reduces the number of traditional processors willing to accept the account. Kratom payment processing through 27 Blockchain operates outside the MATCH system because crypto transactions do not flow through the card network infrastructure where MATCH listings are enforced.
