CBD Merchant Account Solutions
The CBD industry is booming, but payment processing remains a challenge. HighRiskPro has helped 1,500+ CBD businesses accept credit cards with our specialized merchant accounts.
Why CBD Businesses Struggle with Payment Processing
Understanding why banks classify CBD as "high-risk" helps you find the right solution
Regulatory Uncertainty
Despite the 2018 Farm Bill legalizing hemp-derived CBD, regulations vary by state. Banks remain cautious due to unclear FDA guidelines and the patchwork of state laws governing CBD sales.
Card Network Restrictions
Visa and Mastercard have specific rules for CBD merchants. Many processors won't touch CBD because they don't understand compliance requirements or fear losing their banking relationships.
Higher Chargeback Rates
CBD products see above-average chargebacks due to delivery issues, product efficacy disputes, and subscription cancellations. Industry average is 1.5-3% vs. 0.5% for regular retail.
Account Terminations
Many CBD businesses have experienced sudden account freezes from PayPal, Stripe, or Square. Without warning, funds are held and processing stops—devastating for cash flow.
CBD Payment Processing That Actually Works
HighRiskPro has the banking relationships and expertise to get your CBD business approved
CBD-Specific Underwriting
Our underwriters specialize in CBD compliance. We know exactly what documentation you need and work with banks that understand the hemp industry.
- COA (Certificate of Analysis) review
- THC compliance verification
- State licensing assistance
- Product labeling guidance
CBD Chargeback Protection
Our CBD-specific fraud tools reduce chargebacks by up to 50%. Real-time monitoring catches issues before they become disputes.
- Delivery confirmation integration
- Subscription management tools
- Customer verification systems
- Dispute resolution support
E-Commerce Integration
Seamlessly integrate with your CBD store. We support all major platforms and provide API access for custom builds.
- Shopify CBD integration
- WooCommerce compatible
- BigCommerce support
- Custom API available
Competitive CBD Rates
Our volume with CBD merchants means better rates for you. No predatory pricing—just fair rates based on your actual risk profile.
- Rates from 3.5% + $0.20
- Volume discounts available
- No monthly minimums (startup)
- Transparent fee structure
CBD Products We Process Payments For
Compliant hemp-derived products with THC below 0.3%
CBD Oils & Tinctures
Full-spectrum, broad-spectrum, and isolate oils
CBD Edibles
Gummies, chocolates, beverages, and capsules
Topicals & Creams
Lotions, balms, salves, and skincare
Pet CBD Products
Oils, treats, and supplements for pets
CBD Vape Products
Cartridges, disposables, and e-liquids
CBD Beauty & Wellness
Serums, masks, bath bombs, and cosmetics
Hemp Products
Seeds, protein, fiber, and raw materials
White Label CBD
Manufacturing and wholesale operations
Compliance Requirement: All CBD products must be hemp-derived with THC content below 0.3% and compliant with the 2018 Farm Bill. COA documentation required.
Transparent CBD Merchant Account Pricing
No hidden fees. Rates based on your volume and risk profile.
Startup CBD
New businesses under $25K/month
- No monthly minimum
- No setup fees
- Gateway included
- Chargeback alerts
- 24/7 support
- Rolling reserve: 10%
Growth CBD
$25K - $100K monthly volume
- $15/month statement fee
- No setup fees
- Gateway included
- Advanced fraud tools
- Dedicated account manager
- Rolling reserve: 5-7%
Enterprise CBD
$100K+ monthly volume
- Custom pricing
- Interchange-plus available
- Multiple MIDs
- Load balancing
- Priority support
- Negotiable reserve
CBD Merchant Account Requirements
What you'll need to get approved
Business Documents
- Business license
- Articles of incorporation
- EIN verification letter
- Voided business check
- 3 months bank statements
CBD Compliance
- Certificate of Analysis (COA) for products
- Third-party lab test results
- THC compliance documentation (<0.3%)
- State hemp license (if required)
- Supplier documentation
Website Requirements
- Age verification gate (21+)
- Clear product descriptions
- Visible contact information
- Refund/return policy
- Terms & privacy policy
- SSL certificate (HTTPS)
Owner Information
- Government-issued photo ID
- SSN for background check
- Personal bank statement
- Proof of address
CBD Merchant Account Questions
Yes! While mainstream processors like PayPal and Stripe don't allow CBD, specialized high-risk processors like HighRiskPro can set you up with a compliant CBD merchant account. You can accept Visa, Mastercard, American Express, and Discover for hemp-derived CBD products with THC below 0.3%.
Most CBD merchant accounts are approved within 24-48 hours if all documentation is in order. Complex applications (multiple locations, high volume, or compliance issues) may take 3-5 business days. Having your COAs and compliance documents ready speeds up the process significantly.
HighRiskPro maintains a 95% approval rate for CBD businesses that meet compliance requirements. The main reasons for denial are THC levels above 0.3%, missing COA documentation, or operating in states with CBD restrictions. Our pre-application review identifies issues before formal submission.
Most CBD merchant accounts require a rolling reserve of 5-10% for the first 6-12 months. This protects against chargebacks. As you build processing history with low chargebacks, the reserve typically decreases or is eliminated. High-volume merchants with proven track records may qualify for no reserve.
Delta-8 THC processing is available but more restricted. Products must be derived from compliant hemp and meet state-specific regulations. Delta-9 THC above 0.3% is not eligible for card processing. Contact us to discuss your specific products—we'll tell you exactly what's possible.
We cannot process: marijuana-derived CBD (THC >0.3%), products making FDA drug claims, ingestible CBD in states where prohibited, smokable hemp in restricted states, and products without proper COA documentation. If you're unsure about your products, submit them for pre-approval review.
Ready to Accept Payments for Your CBD Business?
Join 1,500+ CBD merchants processing with HighRiskPro. Get approved in 24-48 hours.