The difference is the step at which that shutdown takes place. When visa shuts down processing for your business, they're taking away your ability to conduct tr

The difference is the step at which that shutdown takes place. When visa shuts down processing for your business, they're taking away your ability to conduct transactions at all. When a bitcoin exchange refuses to do business with you, they're only taking away your ability to convert your BTC to USD (at that particular exchange). You can still conduct transactions directly in BTC (or ETH or what have you). The "cash out to USD" step is much less frequent, and usually less ingrained into the way you conduct business. A closer comparison would be to a bank that doesn't let a you deposit the cash your business earned at the end of the week. It would be an annoyance, but it doesn't actually prevent you from conducting your business.