CBD Payment Processing

CBD Merchant Services

Seamless CBD Payment Processing

Unlock the growth of your CBD business with our specialized and secure CBD payment processing designed for your industry’s needs. Experience hassle-free transactions so you can concentrate on delivering quality and innovation.

TL;DR CBD merchants face a unique challenge: the biggest threat to growth isn’t competition, it’s losing your ability to accept payments overnight. One FDA warning letter, a mislabeled product, or a processor audit can freeze funds and shut down your account. That’s why securing the right CBD payment processing and CBD merchant account is essential. BIG helps you stay compliant, get approved, and protect your business with reliable, high risk payment solutions.

The Real CBD Payment Processing Challenge

For CBD merchants, the stakes are high. The wrong processor can put your entire operation at risk:

Account closures without notice
Frozen deposits and stalled cash flow
Reputational damage from noncompliance
MATCH List Getting placed on the MATCH list will prevent you and your business from being able to accept credit cards

You’ve worked too hard to let your payment processing become the weak link in your business. That’s why CBD merchants turn to Bankcard International Group (BIG), the high risk experts who understand compliance and know how to keep your accounts open.

Why CBD Payment Processing Is Considered High Risk

Even though hemp derived CBD is federally legal, banks and processors still classify CBD as high-risk because of:

Regulatory uncertainty — The FDA prohibits health claims and has not approved CBD as a supplement or food additive.
State-by-state laws (or even municipality) — Every state has its own CBD rules for labeling, testing, and distribution.
Marketing restrictions — Platforms like Facebook, Instagram, and Google severely limit CBD advertising.
Chargeback potential — Mislabeling or unmet customer expectations can result in disputes.
Brand Damage Some financial institutions still see supporting CBD as potentially brand damaging!

Traditional banks won’t touch CBD. But BIG specializes in high risk industries knows the CBD industry and has built a CBD Payment Processing program designed for long-term stability.

What Is a CBD Merchant Account?

A CBD merchant account is a high-risk merchant account that allows your business to:

Accept credit and debit card payments online or in-store
Access secure eCommerce gateways for digital transactions
Offer ACH and eCheck options for flexibility
Manage chargebacks and fraud proactively
Stay compliant with banking and regulatory standards

Without the right CBD merchant account, your business risks shutdowns, frozen funds, and interrupted sales.

BIG’s CBD Payment Processing Solutions

When you partner with BIG, you get more than a merchant account—you get a payment strategy designed for compliance and growth.

Features & Benefits:

Credit & Debit Card Processing – Accept all major cards through CBD-approved acquiring banks.
Online Payment Gateways – Integrate with Shopify, WooCommerce, Magento, BigCommerce, and more.
ACH & eCheck Solutions – Reduce costs and bypass card restrictions.
Mobile & In-Store POS Systems – Accept payments at retail locations or on the go.
Chargeback Protection – Tools and monitoring to keep ratios under processor thresholds.
High-Risk Expertise – ETA-Certified specialists who know CBD compliance inside and out.

What You Need to Get Approved for a CBD Merchant Account

CBD payment processing requires a bit more documentation than traditional businesses. Be ready with:

Business license and ownership details
Product list and SKUs
Website with disclaimers, COAs, Product label images, and compliant language
Refund, shipping, and age verification policies
Certificates of Analysis (COAs) for all batches
Supplier/manufacturer details

BIG helps you package your application so it’s underwriting ready, speeding approval and reducing back-and-forth with banks.

Protecting Your CBD Merchant Account

Approval is just the start. To keep your account open, CBD merchants should:

Avoid medical or therapeutic claims in marketing
Maintain current COAs and publish them online
Monitor chargebacks and resolve disputes quickly
Stay updated on FDA and state regulations
Work only with GMP-certified suppliers
Review platform rules before running ads

BIG’s compliance-first approach ensures your CBD merchant account stays active and stable.

BIG vs. Other Processors

Most processors:

Reject CBD merchants outright, or
Approve quickly but close accounts later when issues arise
High Set Up and Application Fees
Reserve Accounts Required

BIG is different:

We specialize in high-risk verticals
We have direct relationships with CBD-friendly banks
We provide hands-on compliance guidance to keep you processing long-term
NO Set up or Application Fees
No Reserve Account required
Dedicated In House Service – your business will have a service representative that knows you and your business

Go BIG Today: Get Approved, Stay Approved

FAQs About CBD Payment Processing

Why is CBD payment processing considered high risk?

Because of regulatory uncertainty, Federal and State regulatory discrepancies, high chargeback potential, and inconsistent product quality. Traditional banks avoid CBD, but high-risk processors like BIG can approve merchants.

How long does it take to get approved for a CBD merchant account?

Approval typically takes 2-5 business days if documentation is complete and the number of SKUs. BIG helps merchants prepare an underwriting-ready application to speed the process.

Can CBD merchants accept credit cards?

Yes, but only through a CBD friendly medium to high risk merchant account. Mainstream processors typically decline CBD merchants or approve them only to shut them down later.

What happens if my CBD merchant account gets shut down?

Funds may be frozen, transactions halted, and customers left unable to pay. BIG helps prevent this by working with merchants to stay compliant and persistently monitoring your merchant account and business for any red flags so that we can stop it before it happens.

Can I sell both CBD and THC products under the same account?

No. Credit card networks prohibit processing for cannabis derived THC. Hemp-derived CBD and even THC can qualify if it meets the Farm Bill and FDA definitions of CBD. BIG helps merchants separate payment streams to stay compliant.

CBD Merchant Services

Seamless CBD Payment Processing

The Real CBD Payment Processing Challenge

Why CBD Payment Processing Is Considered High Risk

What Is a CBD Merchant Account?

BIG’s CBD Payment Processing Solutions

What You Need to Get Approved for a CBD Merchant Account

Protecting Your CBD Merchant Account

Go BIG Today: Get Approved, Stay Approved

FAQs About CBD Payment Processing

Why is CBD payment processing considered high risk?

How long does it take to get approved for a CBD merchant account?

Can CBD merchants accept credit cards?

What happens if my CBD merchant account gets shut down?

Can I sell both CBD and THC products under the same account?

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