The CBD industry continues to evolve. Here's what merchants need to know about payment processing in 2026.
The CBD industry has come a long way since the 2018 Farm Bill — but payment processing remains one of the biggest challenges for CBD businesses. Here's what's changed in 2026 and what CBD merchants need to know.
Despite federal legality of hemp-derived CBD (less than 0.3% THC), most major banks still classify CBD as high-risk. This means:
The FDA continues to develop CBD regulations. Key updates affecting payment processing:
Most high-risk processors accept these CBD categories:
Categories that remain challenging:
To get approved for CBD processing, you'll need:
Expect to pay:
The CBD industry continues to mature. Expect more banking options as regulations clarify — but for now, working with specialized high-risk processors remains the best path forward.
Cybin Enterprises is a payment services intermediary specializing in high-risk merchant accounts. Our team brings decades of experience in payment processing, compliance, and risk management.
Expertise: High-risk underwriting, payment compliance, chargeback management, multi-processor routing
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Specialized high-risk payment processing for the industries covered in this guide.
Whether you're dealing with account termination or launching a new high-risk business, we can help you secure stable payment processing.
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Cybin Enterprises specializes in payment processing for the cbd & botanicals industry. We connect cbd & cannabis businesses with specialized high-risk merchant account providers who offer stable, long-term processing solutions. From compliance support to competitive rates, we understand the unique challenges your business faces and match you with the right payment partners.
Cybin Enterprises specializes in payment processing for the cannabis (state-legal) industry. We connect cbd & cannabis businesses with specialized high-risk merchant account providers who offer stable, long-term processing solutions. From compliance support to competitive rates, we understand the unique challenges your business faces and match you with the right payment partners.
Cybin Enterprises specializes in payment processing for the kratom industry. We connect kratom & ethnobotanicals businesses with specialized high-risk merchant account providers who offer stable, long-term processing solutions. From compliance support to competitive rates, we understand the unique challenges your business faces and match you with the right payment partners.
Cybin Enterprises specializes in payment processing for the kava industry. We connect kratom & ethnobotanicals businesses with specialized high-risk merchant account providers who offer stable, long-term processing solutions. From compliance support to competitive rates, we understand the unique challenges your business faces and match you with the right payment partners.
