Start a CBD processing review with the exact products you sell. A label saying hemp-derived does not establish whether a finished product may be sold or whether a processor accepts it. Separate the product's legal requirements from the provider's underwriting decision.
Review the product and its claims
FDA explains that hemp classification does not remove other requirements, including those under the Federal Food, Drug, and Cosmetic Act. Its CBD guidance distinguishes intended use, labeling, food, dietary supplements, and other product categories. Have qualified counsel review the catalog and markets you intend to serve.
- List each product's ingredients, format, supplier, and intended use
- Review product pages, packaging, advertising, and customer testimonials for claims
- Identify where products will be sold and shipped, including any restrictions
- Keep product and legal-review records current when the catalog changes
Prepare the materials a provider may request
Ask the reviewing provider for its checklist. Useful materials to prepare include:
- A catalog that links each product to its available laboratory reports and batch information
- Supplier records, product labels, and the website pages customers see
- Business formation, ownership, and applicable licensing documents
- Shipping, refund, cancellation, and customer-support procedures
- Available bank and processing statements, including disputes and refunds
Confirm acceptance before integration
Provider policies distinguish prohibited and restricted activity. For example, Stripe lists some CBD products within restricted industries and other cannabis-related products as prohibited. That policy does not establish acceptance for a particular merchant, country, or product. Obtain written confirmation covering your exact catalog and sales channels before processing.
- Confirm the contracting provider, acquiring entity, supported products, and transaction coding
- Ask whether a new product or sales channel requires another review
- Check the gateway connection and approved checkout or point-of-sale integration
- Compare the complete fee schedule, reserve terms, funding conditions, and cancellation provisions
"A working checkout is not evidence that the provider approved the products being sold."