CBD Merchant Accounts

Call Now


We specialize in CBD Merchant Accounts and merchant services for CBD Product businesses. We approve practically every business type, even if you have been turned down for credit card processing. With decades of experience, our team is here to help. Even if you have been shut down by your current processor, we have a solution for your particular situation. We’re available to answer any questions and provide ongoing continued support for our valued customers.

Don’t hesitate, call us immediately for assistance. Our dedicated staff is standing by to assist you. Our typical turn-around time is 3 business days and in some cases the same day. We look forward to working with you  Apply Today

Watch Video

High Risk Merchant Account - HRMA-LLCvideo html by VideoLightBox.com v3.1

What Is A CBD Merchant Account

CBD merchant accounts provide business selling CBD products, the ability to process credit card payments. These accounts are typically deemed high risk and present difficulties in. getting approved.With present legal challenges, its best to seek a high risk merchant account to get you over the initial obstacles quickly and to increase your odds of getting an account.

As CBD businesses accept payments via debit/credit card and even over the phone, it is only right that they have merchant accountsto ensure seamless transactions. However, securing a merchant account is not as easy for those in the CBD oil industry.

CBD Health Benefits Should Make CBD Mainstream Soon

One of at least 113 active cannabinoids in the cannabis plant, CBD is a compound in marijuana with a wide range of health benefits. Medical experts describe the effects of CBD as “extraordinary”, as it is a promising treatment for ailments like epilepsy, depression and some forms of cancer. Though CBD and marijuana are derived from cannabis plants, CBD contains little or no psychoactive ingredients that marijuana contains. In other words, CBD won’t get its user “high”.

As a result of its many positive qualities, CBD products are now legal in many states in the US. However, most credit card processors and banks still exercise great caution when dealing with CBD oil businesses who want merchant account approval.

Credit Card Processing For CBD Oil and Hemp Products

Despite the potentials of CBD products in the medical industry, CBD oil businesses are considered high risk. But why is this the case?

At the heart of this question is the Controled Substances Act, the regulatory policy that established the United States drug policies. The CSA regulates manufacturing, possession, distributing, importing and use of certain substances. There are five “schedules” in the CSA for different substances.Items in Schedule I are considered as having high potential for abuse, no current approval for medical use and no safety guarantee for drug use under medical supervision. Drugs under this schedule include heroine, MDMA, LSD, and – strange as it may sound – marijuana. Schedule I substances are the most restrictive.

On the other hand, substances in the Schedule V category are said to have low potential for abuse, are accepted for medical use, and, if they are abused, may only cause limited dependence. Cough suppressants with codeine fall under this category.

While the Drug Enforcement Agency (DEA), typically charged with the addition or removal of substances from the schedules in the CSA, has added some CBD drugs for treatment of epilepsy to Schedule V, marijuana, and many other CBD products still remain Schedule I substances.

Without doubt, selling a product that is considered potentially illegal under Federal law makes it difficult for CBD business to get approved for a merchant account. Only a few specialists in the high-risk industry accept CBD businesses, and in most cases, they will require owners of CBD-based businesses to obtain an offshore merchant account, and as expected, this option will be more expensive than a domestic merchant account. Worse still, of the small number of merchant account providers that accept CBD merchants, only a handful are worth a try.

Desperate CBD business owners have tried using payment gateways like PayPal or Square, but besides requiring that they are dishonest about the nature of their business to secure approval, these providers will not hesitate to shut such accounts down if and when they discover your dishonest strategy. So, how do you get your CBD merchant account approved while these unforgiving policies and regulations still hold sway?

Getting a CBD Merchant Services Approved

Since the CBD industry is considered high risk, you need a high-risk merchant account provider for your products. While finding a high-risk provider involves the same criteria as finding a low risk processor, it is usually more difficult to find a provider that offers the ideal combination of the important factors that make a great merchant account provider.

In order to get your merchant account approved by a reliable CBD merchant account provider, here are factors you must consider:


Truth is, high-risk merchant accounts will cost significantly more than low-risk ones. Though some established businesses in the CBD industry may be able to negotiate with high risk merchant account providers for an interchange-plus pricing model, you should be prepared to work with a tiered model. The rolling reserve is another “expense” that most CBD merchants have to contend with, and this will mean that your provider withholds a certain percentage of your monthly funds until the reserve is met. While the money is still yours and you’ll eventually receive it, this model usually causes cash flow problems for small or new businesses.

•eCommerce Support

It is only ideal that you try to reach as many customers as possible with your CBD products. However, as noted earlier, there are still restrictions in the sale of CBD products across some states in the US. Still, the legalization of CBD-based products will open up new opportunities in the eCommerce industry. Since this legalization is not effective in all states, you will want to find a high-risk merchant account provider that can help you filter out customer addresses where the sale of CBD-based products is still illegal.

•Customer Support

Customer service is the “spice” that separates the average joe providers from the exceptional ones. CBD merchants contend with customer support issues frequently, so it would make sense that you pay attention to the reputation of your chosen provider in this area.


Contracts are binding, so you would want to sign a contract that is fair for all parties involved. Though long-term contracts are not exactly awful, you may be forced to pay an early termination fee (ETF) if you decide to close your account early. Hence, the month-to-month contract arrangement is ideal for those in high risk industries. Unfortunately, CBD merchants will usually have to settle for long-term contracts which will likely include an automatic renewal clause that extends your contract, typically for a year at a time. Keeping track of when your contract will auto-renew is important so you don’t lock yourself in for another year or more.

Businesses in high risk industries must work with the right CBD merchant account providers. These providers are willing to process your transactions and get you set up with credit and debit card processing since they are willing to accept the potential liabilities associated with your business. As we do not expect that CBD-based products will be considered low-risk any time soon, CBD merchants can expect to pay the extra cost required to maintain a high-risk merchant account for the foreseeable future.

Our Benefits:

  • Fast Secure Online Application, provides secure online submission.
  • Multiple Platforms, including CRM & Ecommerce Solutions.
  • Dedicated account managers with decades of experience to share.
  • Diverse Acquirer’s with risk appetite & tolerance for the auto warranty industry.
  • Fast decision turn-arounds on application packages.

Our Mission:

Our goal is to approve all merchants, regardless if you have been shut down or turned down in the past. We understand mitigating circumstances such as chargeback ratios & exponential monthly volume growth can devastate a bank relationship, causing a merchant closure or substantial holds place on an account to protect the bank from losses.

We are dedicated to making every attempt to resolve issues and get your account approved. Our commitment to excellence and going the extra mile to exhaust every opportunity is our mantra. We strive to exceed expectations and utilize our expertise and competence to deliver unsurpassed customer satisfaction.

Our Commitment:

With our team’s unique experience in the payment space, we bring the vital expertise to get your account approved quickly and painlessly. Our staff is committed to providing unsurpassed customer service and strive for 100% customer satisfaction. Give us a call today to discuss all of yourcredit card processingneeds.


At High Risk Merchant Account LLC, your business success is our ultimate goal. Our dedicated staff is standing by to assist you in navigating the payment processing space. With decades of experience, our team is committed to providing competent knowledgeable advice and a plan of action to get your merchant account approved quickly. Call us immediately to get on the fast track for CBD merchant account approval. Our typical turn-around time is 3-5 business days and in certain cases the very same day. We look forward to working with you!    Apply Online Today