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Stripe declined you. What now?

Stripe, PayPal and Adyen publish lists of businesses they will not serve. If yours is on one, no amount of appealing changes it — the answer is a different kind of processor, not a better application.

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Typical reason for declineRestricted industry, no trading history, or a jurisdiction the acquirer avoids
Does appealing workRarely. A restricted-category decline is policy, not a judgement call
What actually changes itA processor whose model does not depend on a bank underwriting you

Stripe figures are their own published terms, checked September 2026.

Where they win.

This is not a comparison, because Stripe is not a competitor to us: our customers are the ones it turned away. If Stripe will take you, take Stripe. It is cheaper, better documented and easier to live with than anything on this page.

Which to pick.

01

Crypto-first processors

NOWPayments, CoinGate and similar. You open an account, verify, and take crypto from customers who already hold it.

02

High-risk card acquirers

Real card processing, but expect underwriting, a rolling reserve and weeks of onboarding.

03

Norpo

No account and no verification to start. Customers pay by card or crypto; you are paid in USDC to a wallet only you control. 1% on crypto, 4.8% on card.

All comparisons · Our pricing · Docs