Merchants on the MATCH list who attempt to restore conventional payment processing encounter a narrow set of options, each with significant limitations. Some high risk payment processors specialize in working with MATCH list merchants and will underwrite these accounts at significantly elevated fees, under rolling reserve requirements, and with intensive monitoring conditions that make the arrangement costly and operationally constrained. These processors take on the risk of serving MATCH list merchants at a price that reflects the risk premium, and the merchant has little negotiating leverage given the scarcity of willing conventional processors.
Other conventional alternatives include cash discount programs that shift processing fees to the customer, ACH-based payment solutions that bypass the card network but still run through the banking system, and offshore merchant accounts that operate under different jurisdictional rules. Each of these solutions carries limitations in customer acceptance, processing reliability, or compliance exposure that make them poor substitutes for a properly functioning payment gateway. Cryptocurrency MATCH list payment processing through 27 Blockchain bypasses these limitations by operating on blockchain infrastructure that does not involve a conventional acquiring bank, does not require the merchant to pay a risk premium for the privilege of processing, and does not carry the fragility of a conventional processor relationship that can be terminated again.
