CBD and Hemp Oil Credit Card Processing
You run a compliant CBD and hemp business, but most processors still label you high risk. PaymentCloud specializes in CBD and hemp merchant accounts, helping you get approved fast and accept secure card payments.
- Quick Account Approval
- Chargeback Management Software
- 100+ Integration Options
- Dedicated Account Managers
- Fraud Prevention Tools
- No Long-Term Contracts or Hidden Fees
How CBD & Hemp Oil Credit Card Processing Works
A CBD merchant account is a specialized bank account that lets you accept card payments for hemp-derived products such as tinctures, topicals, or hemp seed oil. When a customer swipes or enters card details at checkout, the transaction funds (minus any credit card processing fees) travel to your CBD merchant account.
Accepting credit cards, debit cards, and other forms of today’s most popular payment methods requires a merchant account—a unique bank account into which transactions are deposited. Fortunately, securing a merchant account for your CBD business is easy! Simply fill out our contact form and an account manager will reach out.
After assessing your business’s details, your dedicated account manager will provide guidance about which payment solutions are most beneficial to your particular operations. When you’re ready to move forward, your account manager secures and customizes your chosen solutions. After approval, you can begin processing as soon as the next day.
Why Choose PaymentCloud for CBD & Hemp Oil Processing
Fast Approvals for High-Risk Businesses
Start accepting payments anywhere from 24 hours to 5 days.
Advanced Risk Management Tools
Built-in fraud prevention and chargeback management tools to automatically detect issues before they happen.
Specialized, One-on-One Support
Personalized support from an account manager familiar with your industry and payment challenges.
Flexible Terms, Competitive Pricing
No long-term contracts, no hidden fees, and competitive pricing built for high-risk.
Types of CBD & Hemp Oil Businesses We Support
- Hemp Oil Extractors and Wholesalers e
- CBD Tincture Brands
- Edibles and Beverage Companies
- Topicals and Cosmetics Lines
- Pet CBD Sellers
- Smokable Hemp and Vape Retailers
- White-Label Manufacturers
- Brick and Mortar CBD Shops
- And Many More!
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Why Is the CBD & Hemp Oil Industry Considered High-Risk?
Because CBD and hemp oil are both extracted from the cannabis plant but contain less than 0.3% THC, they are federally legal under the Farm Bill of 2018. However, ongoing regulatory uncertainty means many banks still pump the brakes on approving hemp merchant accounts.
Even when you run a spotless operation with perfect compliance, underwriters assign the high-risk label based on the bank’s financial exposure, not necessarily your business practices. Understanding these concerns will help you prepare before applying:
Regulatory Uncertainty
The legality of CBD differs by state, and the FDA hasn’t issued final guidance on cannabidiol in food or supplements. Federal law allows hemp-derived products under 0.3% THC, but state rules are inconsistent, and that makes underwriters nervous. What’s perfectly legal in Oregon might require extra licensing in Texas.
Chargeback Risk
Some customers expect CBD to cure chronic conditions, then file chargebacks when their back pain doesn’t disappear overnight. Others sign up for subscriptions, then forget they did and dispute the charge three months later when they see it on their statement. Whatever the causes, CBD merchants often experience higher chargeback dispute ratios when compared to most retail categories.
Limited Banking Options
Hemp and marijuana plants share genetics, and plenty of banks haven’t updated their risk models since the 2018 Farm Bill. Institutional memory runs deep in banking. Mainstream processors like Stripe, PayPal, and Square still prohibit CBD sales outright or reserve the right to freeze your account with zero notice, even if you’re fully compliant.
PaymentCloud minimizes these risks. We understand what documentation is required to move applications forward and which red flags to address before they become rejection reasons. While legislation like the SAFE Banking Act could eventually simplify banking access for hemp merchants, current solutions still make CBD credit card processing viable today.
Flexible Payment Solutions for Your CBD & Hemp Oil Business
PaymentCloud builds solutions for merchants operating across multiple channels. You might run a storefront and sell CBD products online, or maybe you manage wholesale accounts over the phone. Within our wide range of payment processing options, you’ll find the perfect payment solution to support your business’s specific needs.
Online
Web sales dominate the CBD market because customers value privacy and sellers appreciate the margins. For eCommerce CBD merchants, secure gateway integration is the foundation for accepting online payments securely.
We work with state-of-the-art gateways that won’t shut you down for selling hemp products. Options include Authorize.net, NMI, and USAePay, all built to plug into whatever platform you’re already using.
Platform compatibility matters as much as gateway choice. Start accepting payments on your online CBD Shopify store after connecting a compatible gateway. WooCommerce users can accept credit cards from within their CBD WooCommerce store through similar plugins. If you’re a BigCommerce seller, your payment system will be up and running on your CBD BigCommerce shop with minimal configuration.
Retail
If your CBD business operates from a brick-and-mortar storefront, our retail payment solutions include easy-to-use stationary and mobile card readers that keep your counter looking professional.
Countertop terminals support chip, tap, and swipe, keeping checkout lines moving. Mobile readers let you take payments at farmers’ markets or pop-up events without lugging around a full POS system.
Your customers pay however they want: credit cards, debit cards, or contactless payments like Apple Pay and Google Pay. Our terminals handle all major card types, so you’re not turning away a sale because your system can’t process the payment method they’re holding.
Over-the-Phone
Phone orders happen more often than most merchants expect, particularly from wholesale accounts and older customers uncomfortable with online checkout. With a secure virtual terminal, you can accept payment details via phone and email.
The interface stays simple. Security features like AVS matching and CVV verification run in the background, protecting you from fraud even when you can’t see the actual card.
Selling across multiple channels becomes simple with the right tools. Unified reporting consolidates in-store swipes, web transactions, and phone orders into a single dashboard.
Advanced Payment Tools Built for CBD & Hemp Oil Merchants
Accepting payments is just the baseline. The right CBD merchant services stack handles the operational details to save you time while keeping you audit-ready when compliance questions surface:
Specialized, One-on-One Support
Get personalized support from an account manager familiar with CBD (cannabidiol) regulations and payment challenges. You won’t have to waste time explaining what a Certificate of Analysis (COA) is or why your packaging differs from standard retail products.
Recurring Billing
Subscription revenue smooths out cash flow and builds customer lifetime value. Customers sign up once, and the system charges their card on schedule. Failed payments trigger automatic retries and dunning emails, recovering revenue that would otherwise slip through the cracks.
Invoicing and Reporting
Wholesale accounts often run on invoices rather than instant checkout. Send a branded payment link, let the buyer pay when ready, and track everything in one place. Clean records make tax prep less painful and give you documentation ready to go when compliance audits arrive.
Not Sure Where to Start? We’ve Got You
Submit your info and we’ll take it from there.
Flexible Integrations That Fit Your Workflow
Manual data entry wastes time and can lead to errors, especially when managing inventory alongside shipping restrictions and verifying customer ages across multiple platforms. Automate the challenging parts of hemp oil credit card processing with the many supported integrations available:
Browse 100+ Integrations
Getting Started Is Easier Than You Think
Opening a merchant account for your therapy practice takes less time than you’d expect. PaymentCloud streamlines the process into three clear steps.
Step 1: Online Application
Complete a digital application on our website and either get auto-approved or connected with a dedicated account manager.
Step 2: Advisory & Underwriting
Your dedicated account manager will give you the perfect solution for your business and guide you through the underwriting process.
Step 3: Approval & Onboarding
Once approved, our team will walk you through setup and confirm you run your first transaction.
What You’ll Need to Get Approved
Typical documentation required for a CBD or hemp oil merchant account, in addition to a signed application, are as follows:
Government-issued photo identification
Signed merchant application
Voided check or bank letter
Three months of bank statements
Three months of processing statements
Up-to-date certificate of analysis (COA) for CBD products
List of suppliers for CBD products
Let’s Get You Approved
Fill out our quick form, and we’ll guide you through the next steps—no pressure!
Frequently Asked Questions
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Is CBD Legal in All States?
Hemp-derived CBD with less than 0.3% THC is federally legal under the 2018 Farm Bill, but CBD is not legal in all states. Some restrict smokable hemp, while others require specific licensing for retail sales. Check local rules before expanding into new markets.
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Do I Need a License To Sell CBD?
Yes, you need a license to sell CBD, but licensing requirements vary by state. Some require a dedicated hemp or CBD permit. Others only ask for a standard business license and sales tax registration. Contact your state’s agriculture or commerce department for current requirements.
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Can I Sell CBD Online?
Yes, you can sell CBD online. Online sales represent a significant share of CBD commerce. You’ll need compliant product labeling, a website with proper disclaimers, and a merchant account configured for card-not-present transactions. Age verification may be required depending on your product line.
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Can I Accept Credit Cards for Hemp Oil Products?
Yes, you can accept credit cards for hemp oil products through high-risk merchant account providers with experience in the CBD vertical.
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What Is the Best Payment Gateway for CBD Oil?
The best payment gateway for CBD oil depends on your platform and volume. Authorize.net, NMI, and USAePay all support CBD accounts and integrate with popular shopping carts. Your account manager can recommend a gateway that aligns with your technical setup and growth trajectory.
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What Is the Best CBD POS Software?
The best CBD POS software handles high-risk merchant category codes and offers compliance-friendly features like batch reporting and inventory tracking. Your merchant services provider can recommend hardware and software combinations that are compatible with your gateway.
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How Can I Start a CBD eCommerce Business?
You can start a CBD eCommerce business by sourcing compliant products backed by third-party Certificates of Analysis (COAs) and building a website with clear ingredient lists and proper disclaimers. Obtain any required state licenses and then apply for a CBD merchant account.
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Can My Business Sell Kratom as Well?
Many merchants sell both CBD and Kratom. Both product types fall under high-risk classification for similar reasons. Your account manager can design a processing solution that covers multiple product lines.
Ready to Talk?
Apply in as little as 5 minutes and you will receive a call from one of our trained representatives within 24 hours to get you set up with a CBD merchant account.
What Our Merchants Say
With a proud average of 4.8 stars across all review sites, PaymentCloud excels in solutions and support. But don’t take our word for it! Here’s what our merchants have to say:
Billy I.
Payment Cloud offers an amazing 10/10 customer service experience! Huge thanks to PaymentCloud, who went above and beyond to help me with the entire application process. They were incredibly patient, knowledgeable, and always quick to respond to my questions, making everything super easy and stress-free. It’s rare to find this level of support, and I couldn’t be happier with how smoothly everything went. Highly recommend working with them!
Kimberly N.
Process was smooth thanks to PaymentCloud and their consistent email support.
Dianna I.
They have great support staff and the system is easily used. Thanks
