CBD Merchant Accounts & Payment Processing
Reliable payment processing solutions designed specifically for CBD businesses. Get approved quickly with competitive rates, even if you've been declined by traditional processors.
- ✓95% approval rate for CBD businesses
- ✓Competitive processing rates tailored to the CBD industry
- ✓Fast setup with 24-72 hour approvals
- ✓Hemp-derived CBD and topical products supported
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Payment Processing Challenges for CBD Businesses
Understanding the unique obstacles CBD merchants face and how Kosipay solves them
High-Risk Classification
Despite hemp-derived CBD's legal status, traditional banks and payment processors still classify CBD businesses as high-risk, leading to account rejections or sudden terminations. Kosipay specializes in high-risk industries and provides stable, long-term processing solutions specifically for CBD merchants.
Regulatory Complexity
The complex and evolving regulatory landscape surrounding CBD products creates compliance challenges for merchants. Our payment solutions include built-in compliance tools and ongoing support to help you navigate federal regulations, state laws, and card network policies affecting CBD businesses.
Excessive Fees
Many processors charge CBD businesses exorbitant rates and fees, taking advantage of the limited options available. Kosipay offers transparent, competitive pricing specifically tailored to CBD merchants, with no hidden fees or unexpected charges.
Chargeback Vulnerability
CBD businesses face higher-than-average chargeback rates due to product confusion, customer skepticism, and card testing fraud. Our advanced chargeback prevention tools and customer verification systems help protect your business from disputes while maintaining your merchant account stability.
Banking Restrictions
Many CBD businesses struggle to find banking partners willing to support their operations. Kosipay has established relationships with banks that understand the CBD industry and are committed to serving compliant businesses, providing you with stable, long-term processing solutions.
Processing Instability
CBD merchants often face sudden account terminations or freezes due to risk reassessments or policy changes. Our multi-bank network provides redundancy and stability for your business, ensuring you can continue accepting payments even if a particular processor changes their policies.
CBD Payment Processing Solutions
Comprehensive payment services tailored for the CBD industry
CBD-Friendly Merchant Accounts
Dedicated merchant accounts specifically designed for CBD businesses with approval rates over 95%, even for previously declined merchants.
Online Payment Processing
Secure online payment gateways that integrate with all major shopping carts and ecommerce platforms for your CBD store.
Retail POS Solutions
In-store payment processing systems for CBD dispensaries and retail locations with age verification features.
Subscription Billing
Recurring billing solutions for CBD subscription boxes and membership programs with customer management tools.
Mobile Payment Options
Accept payments on-the-go at events, markets, and pop-up shops with mobile payment solutions designed for CBD vendors.
Multi-Currency Processing
Expand your CBD business globally with multi-currency support and international payment capabilities.
ACH & eCheck Processing
Alternative payment methods beyond credit cards, including direct bank transfers with lower processing fees.
Compliance Tools
Built-in age verification, product compliance tracking, and transaction monitoring to maintain regulatory compliance.
Fraud Protection
Advanced fraud detection and prevention systems designed specifically for the unique risks facing CBD merchants.
Simple Application Process for CBD Merchants
Our streamlined application process gets your CBD business processing payments quickly
Complete Application
Fill out our simple online application with details about your CBD business and products
Submit Documentation
Provide necessary documentation, including product COAs, lab testing, and business licenses
Compliance Review
Our specialist underwriting team reviews your application with CBD industry expertise
Account Approval
Receive account approval within 24-72 hours, significantly faster than industry averages
Integration Setup
Our team configures your payment gateway and integrates with your existing systems
Start Processing
Begin accepting payments for your CBD products with ongoing compliance support
CBD Compliance & Risk Management
Multi-Channel CBD Sales
Frequently Asked Questions
Common questions about CBD merchant accounts and payment processing
What types of CBD products can I sell with your merchant account?
Our CBD merchant accounts support hemp-derived CBD products that comply with the 2018 Farm Bill, containing less than 0.3% THC. This includes CBD oils, tinctures, topicals, edibles, capsules, pet products, and skincare items. We currently do not support marijuana-derived CBD products or those marketed with medical claims. All products must have proper COAs (Certificates of Analysis) from third-party labs verifying their composition and THC content.
What are the processing rates for CBD businesses?
Processing rates for CBD merchants typically range from 3.5% to 5.9% plus a small per-transaction fee, depending on your business model, processing volume, and risk profile. While these rates are higher than those for traditional retail, they reflect the specialized banking relationships required for CBD processing. Kosipay offers competitive, transparent pricing with no hidden fees, and we provide custom quotes based on your specific business needs and sales volume.
Do you require a rolling reserve for CBD merchant accounts?
Some CBD merchant accounts may require a rolling reserve, which is a percentage of your processing volume held in reserve to cover potential chargebacks. Not all accounts require reserves, and we work to minimize or eliminate reserves when possible based on your business history and risk profile. When required, reserves typically range from 5-10% and are fully returned to you after a predetermined period, usually 6 months.
What documentation is required to apply for a CBD merchant account?
For a CBD merchant account application, you'll typically need: business license and EIN documentation, bank statements (3-6 months), processing statements (if applicable), valid ID for all owners with 25%+ ownership, product COAs from third-party labs, website or physical store details, clear return/refund policies, proper age verification methods, and compliant product descriptions. Our application specialists will guide you through the exact requirements for your specific CBD business model.
How do you help CBD merchants prevent chargebacks?
Our CBD merchant accounts include specialized chargeback prevention tools, including clear billing descriptors, detailed receipt confirmations, shipping confirmation systems, product education resources, and advanced fraud detection to minimize disputes. We also provide dispute management services that help you respond effectively to chargebacks when they occur, with industry-specific evidence templates and response strategies that address the unique challenges of CBD transactions.
Can I sell CBD products internationally with your merchant accounts?
Yes, we offer international processing solutions for CBD businesses, but with important considerations. Each country has different regulations regarding CBD products, and you must ensure compliance with local laws in any market you sell to. Our international CBD merchant accounts support multi-currency processing, country-specific payment methods, and cross-border transaction capabilities, along with guidance on international CBD regulations and shipping requirements for major markets.
Have more questions about CBD payment processing?
Speak With a CBD Payment SpecialistGet Your CBD Merchant Account Today
Don't let payment processing limitations hold back your CBD business growth. Our specialized solutions ensure you can accept payments reliably and securely.
- ✓High approval rates for CBD merchants
- ✓Competitive processing rates with transparent pricing
- ✓Fast application and setup process
- ✓Ongoing compliance support and risk management
Get Started Today
Fill out the form below to receive your tailored payment solution
By clicking submit, you agree to our Terms of Service and Privacy Policy