CBD Credit Card Processing: Everything You Need to Know



As the popularity of CBD products continues to grow, businesses in the industry are facing challenges when it comes to credit card processing.

CBD, or cannabidiol, is a compound derived from the cannabis plant that has gained popularity in recent years for its potential therapeutic benefits. However, despite the growing demand for CBD products, businesses in the industry continue to face challenges when it comes to accepting credit card payments.

CBD credit card processing is considered high-risk by many payment processors due to the legal and regulatory complexities surrounding the industry. While hemp-derived CBD is legal at the federal level, it remains illegal in some states, and marijuana-derived CBD is still classified as a Schedule I drug under federal law.

cbd credit card processing

As a result, many payment processors are hesitant to work with CBD businesses due to the potential risk of legal issues, chargebacks, and fraud. This leaves many CBD companies with limited payment options, often relying on cash or alternative payment methods.

However, the good news is that there are payment processors and merchant service providers that specialize in high-risk industries, including CBD. These companies understand the unique challenges faced by CBD businesses and offer solutions that can help them accept credit card payments and grow their businesses.

One popular option for CBD credit card processing is a high-risk merchant account. These accounts are designed specifically for businesses that operate in high-risk industries and provide a way to accept credit card payments while mitigating the risk of chargebacks and fraud.

To obtain a high-risk merchant account, CBD businesses must undergo a rigorous underwriting process that includes a review of their business plan, financial statements, and risk profile. While the fees associated with high-risk merchant accounts may be higher than those for traditional merchant accounts, they provide a reliable payment solution for CBD businesses.

Another option for CBD credit card processing is through payment gateways that specialize in high-risk industries. These payment gateways offer a secure platform for processing credit card payments and can integrate with popular e-commerce platforms like Shopify and WooCommerce.

When selecting a payment processor or merchant service provider for CBD credit card processing, it is important to do your research and choose a company with experience in the industry. Look for a provider that offers transparent pricing, reliable customer support, and a track record of success working with other CBD businesses.


In summary, while CBD credit card processing can be challenging due to the high-risk nature of the industry, there are solutions available that can help CBD businesses accept credit card payments and grow their businesses. By partnering with a payment processor or merchant service provider that specializes in high-risk industries, CBD businesses can access reliable and secure payment solutions that meet their unique needs.


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