Getting card payments for an SMM panel is one of the hardest parts because processors like PayOP Cardinity and Checkout almost always say no to this type of business They see it as high risk so the denial is not really about you it is about the industry
The panels you see with working card payments are not getting special treatment Most of them either use high risk processors that charge more but allow SMM or they apply under a different label like marketing services so it looks less risky Some panels do not even process payments themselves but run it through a third party who already has a merchant account and they just take a cut
So the truth is it is not magic It comes down to paying higher fees disguising the type of business or working through someone else That is also why some panels charge more because they are covering the higher costs
If you really want card payments you will need to go with a high risk merchant provider or link with a middleman who can process for you It is more expensive than crypto or PayPal but that is the way most panels are making it work