CBD & Hemp payment processing
CBD Merchant Accounts Built to Last
Hemp-derived CBD has been federally legal since the 2018 Farm Bill, yet most mainstream processors still freeze CBD funds without warning. High Risk Buddy places CBD and hemp brands with acquiring banks that knowingly underwrite the category, so your account is approved for exactly what you sell.
Why it's high risk
Why banks label CBD & Hemp as high risk
Understanding how underwriters see your business is the first step to getting approved — and staying approved.
Shifting regulation
State-by-state rules for THC limits, labeling and age gating change often, and banks price that uncertainty in.
Card-brand scrutiny
Visa and Mastercard require extra monitoring for ingestibles and smokables, especially Delta-8 and THCa products.
Health claims
Unsupported medical claims on product pages are a top reason CBD merchants are terminated.
Get approved faster
What you'll need to apply
Having these ready speeds up underwriting. Missing something? Apply anyway — your rep will help you fill the gaps.
- Certificates of analysis (COAs) for your products
- Business license and EIN
- 3 months of processing statements (if available)
- Website with age verification and clear refund policy
- Government-issued ID for each owner (25%+)
- 3 months of business bank statements
FAQ
CBD & Hemp merchant account FAQ
Can I accept credit cards for CBD products?
Yes. With a merchant account from a CBD-friendly acquiring bank you can accept Visa, Mastercard, Discover and in many cases American Express for compliant hemp-derived CBD.
Do you approve Delta-8 and THCa merchants?
Often, yes. Approval depends on your states, products and lab testing. We'll tell you up front which banks will accept your product mix.
Why did Stripe or Square close my CBD account?
Most aggregators list CBD as a prohibited or restricted business in their terms of service. A dedicated merchant account underwritten for CBD avoids that problem.
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