CBD businesses face unique challenges in payment processing. Learn about Farm Bill compliance, documentation requirements, and how to secure stable processing for hemp-derived products.
The CBD industry has exploded since the 2018 Farm Bill legalized hemp-derived products with less than 0.3% THC. However, payment processing remains one of the biggest challenges for CBD businesses.
Despite federal legalization of hemp, most major payment processors still decline CBD merchants. The reasons include:
CBD merchants must provide extensive documentation to processors:
"Always verify your processor explicitly allows CBD products in their terms. Misrepresentation can result in immediate termination and funds hold."
No. Stripe and PayPal explicitly prohibit CBD in their acceptable use policies. Using these processors for CBD sales will result in account termination and potential funds seizure.
Hemp (legal) contains <0.3% delta-9 THC. Marijuana (federally illegal) contains >0.3% THC. Processors require lab documentation proving your products meet hemp definitions.
Yes. Expect 3.5-6% per transaction plus $0.25-0.50, compared to 2.9% + $0.30 for low-risk merchants. Rolling reserves of 5-10% are also common.
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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