CBD Merchant Account & Credit Card Processing – PurePayPayments

A CBD high risk merchant account from PurePayPayments, will help your CBD business with all your payment processing needs.

Global service

Payment solution for US and Europe merchants

At PurePayPayments, we understand the unique challenges faced by merchants in both the US and Europe. That’s why we offer a high risk payment gateway solution that caters to the needs of businesses in both regions. Our platform allows merchants to accept payments from customers acrss the globe, while also providing secure and reliable transaction processing.

Our clients

Request your free quote now with PurePayPayments.

Request your free quote now with PurePay Payments. Within 24 hours, we will get back to you with an offer designed expressly for your high-risk industry needs.


With government, local and state lawmakers waking up to the CBD effect on diseases, pains and more. It seems that also banks are opening their eyes to a vastly growing market. Even though CBD as a whole is new on the right side of the law, it seems that many are still debating whether or not it should be legal in many countries. Merchant accounts for CBD processing are a focus of PurePays and we can help you find the right bank and the right terms needed to get you credit card processing.
  •  OILS

  •  SEEDS







Fees that PurePay will charge depend on factors like processing history, method of sales, destination countries, volume of sales, and products. All CBD Merchant Accounts are unique but included terms stay the same for most: merchant discount rate (MDR), transaction fees, monthly gateway fee, 0-6 month rolling reserve, chargeback fee, refund fee


from 2.5%

Setup Fee

from €0

Monthly Fee



from €0.25










from 0%


from 0 days


from daily +3

Get your no obligation quote from PurePay.

We will get it back to you within 12 hours with a quote based on your information.

Want to shake off
a few more doubts?

What is a CBD Merchant Account?

A CBD merchant account is the one a merchant can use for selling the CBD products. In other words, it allows your business to accept credit and debit cards for payments.

Businesses need CBD merchant accounts in order to sell CBD goods and products.

So, as a business, you will want to have a CBD merchant account as a retail business account so that you can accept credit cards for payment of CBD products.

A CBD commercial payment processor will fully enable your business to receive payments via customer’s credit cards for CBD goods. Hence, you’ll be getting a hassle-free payment process!

Why is CBD considered high-risk?

  • The transaction volume of CBD businesses is very high. Payment services and lenders can classify CBD firms as “high-risk” enterprises due to the nature of the industry
  • Merchants involved in CBD businesses deal with high risk customers residing in countries with high risk of fraud. International payments make the whole picture look more risky!
  • Businesses that provide banking services, such as minimal risk and little fluctuation of the shift, are hesitant to engage in the CBD industry because of the ongoing legal ambiguity surrounding the substance. As a result, banks ultimately charge CBD merchants exorbitant fees for their services
  • New merchants are considered high risk as they don’t have a track record or low credit score
  • Considering CBD’s present legal position in the US and its enormous capacity to aid individuals in need, the exorbitant cost of these organizations’ services and their refusal to collaborate with CBD business owners are both frustrating and contradictory.

To our good fortune, as CBD has become more widespread in culture and increased consumer curiosity is seen, many individuals are considering launching CBD-related enterprises. In response, a growing number of businesses are starting up each day to satisfy the need for payment processing that is CBD-friendly.

Hence, having a high-risk merchant account means that your business is subjected to higher processing fees and chargeback fees for the sake of accounting for the huge risk involved in dealing with CBD products. Hence, high risk merchant accounts with high processing fees act as a compensation and enables you to run a CBD business with ease.

Do you need a CBD oil or cannabis payment processor?

You need a CBD commercial payment processor to take payments via credit cards for CBD goods. Merchant network operators who are ready to take up CBD clients might be difficult to find. Even after possessing a CBD payment processor for a while, many services eventually cancel it.

Detailed requirements

  • Incorporation Certificate.
  • Memorandum & Articles of Incorporation.
  • Color Passport for UBO / Shareholders / Directors.
  • Office Lease Agreement signed by both parties. Or Rental Invoice under company’s name – not older than 90 days from the date of application.
  • Business Bank Statement under company’s name and present address, showing IBAN and SWIFT – not older than 90 days from the date of application and for the last three concecutive months.
  • If Processing History is available for latest 3-6 months from the date of application – under company’s name, showing processor’s name/logo, sales, refunds, and chargebacks for each month separately.
  • If Processing History is unavailable then detailed business plan and cashflow forecast for minimum of one fiscal year. Get it here
  • Utility Bill [electricity / gas / water / rental / tax bill] from UBO / Shareholders / Directors under their name and present address – not older than 90 days from the date of application.
  • Proof of domain under company’s name, showing applying URL and date of domain renewal / expiry – preferably domain purchase receipt.
  • Lab tests of each products plus ingredients on every product page.
  • European signatory is a requirement for this vertical, therefore KYC from European signatory is needed.
  • Supplier contract signed by both parties, or invoice not older than 90 days from the date of application, in case supplier is used.
  • on, in case supplier is used.
Cannabidiol (CBD) is a cannabis compound that has massive medical benefits, but will not make people feel “stoned” and can counteract the psychoactivity of THC. Fact is that CBD-rich cannabis is non-psychoactive or less psychoactive than THC-dominant strains which makes it a very appealing option for patients.

Fees that PurePay will charge depends on factors like Processing history, method of sales, Countries, Volume of sales, and products. All CBD Merchant Accounts are unique but included terms stays the same for most:

  • Merchant discount rate
  • Transaction fees
  • Monthly gateway fee
  • Four and a Half – Six-month rolling reserve (Depending on bank)
  • Chargeback fee
  • Refund fee

In this modern and technological world of the twenty-first century, CBD Payment processing is taking over the manual and traditional payment methods due to its convenience, utility, and functionality.

It is high time to use CBD payment processors like PurePayPayments. These kinds of payment processors are taking over the market and generating huge amounts of sales. For instance, In the United States alone, the CBD market is expected to generate approximately $16 billion in sales by 2025, and comparable projections have been made for the international market. Products containing cannabinoids, often known as CBD, are extracted straight from hemp plants.

If you are a business trying to generate maximum revenue, you will want to have a high-risk merchant account for CBD Sales. It is because CBD businesses are often considered high risk and merchant network operators who are ready to take up CBD clients might be difficult to find. Most of the time, merchants selling these products won’t be accepted by merchant account providers. It is because CBD businesses are often considered as complicated because of long window delivery periods or large transactions.

Apart from the CBD industry growing rapidly and cannabis derived products are now legal in most states, suppliers from the CBD industry often face constraints in their payment options. Most of the banks and payment processors still do not accept CBD transactions or approve CBD businesses for merchant accounts. This is why it is important for a CBD business to have a high-risk business account.

A high-risk merchant account means that your business has been labelled at a higher risk of fraud, high volume of returns, or chargebacks by the payment processor. High risk merchant accounts compensate the risk taken by your payment processor by paying higher processing fees.

  • When looking for a high-risk merchant account provider for your CBD business, you should apply the same parameters to a low-risk provider.

    Finding a service provider that meets all your needs regarding reasonable prices, fair contract terms, and stellar support is becoming harder. The most important considerations while choosing a CBD payment processor are as follows:

    Processing Hardware

    You may accept credit cards in person with a traditional countertop terminal, or you can utilise a mobile processor plan that incorporates your tablet or smartphone and a mobile card reader to sell CBD goods from a retail location.

    At the very least, your terminal has to be compatible with EMV payment cards, and ideally, it should also be compatible with NFC-based (“contactless”) payment methods. In addition, we think it’s best if you own your terminals instead of renting them.


    CBD merchants are typically required to accept both a long-term contract (generally for 3 years) and an early withdrawal fee (ETF), even though we favor month-to-month billing agreements which don’t fasten you into an agreement or require you to pay an ETF if you close your account slightly earlier.

    Pricing Options

    The simple fact is that a high-risk merchant account will always cost more than a low-risk one of the same kinds. If you don’t want to accept a price structure with tiers, be ready to.

    Aside from increasing processing rates, you may also anticipate paying greater monthly and yearly fees. Most high-risk merchants also face the “cost” of a rolling reserve.

    How accurate is the adage that “you have to spend to make cash?” Choosing a trustworthy CBD payment processor is not restricted to services that need a sizable initial deposit.

    PurePayPayments is an ideal service provider with costs not too high relative to your profits. Bear in mind that the fees associated with using a credit card might be higher than those associated with using a debit card.

    Approval of Your Account

    Selling CBD products might make the underwriting process for a merchant account much more time-consuming than it already is. To avoid having your account closed unexpectedly after you’ve begun using it, you should complete this procedure before processing credit card sales.

    Ease of Use

    You should always assume the worst when dealing with online and offline purchases of CBD products. Knowing how your selected payment processor for CBD would manage client service inquiries, like a $200 refund on a recently placed transaction, is important.

    Since their service quality directly reflects your company, it is important to choose carefully. Consult a person on the team regarding the payment gateway’s dispute resolution process and how cybercrime will reduce the likelihood of disputes occurring before making a final decision.

    If you can’t locate a business that can provide personalised treatment, look for one with a customer service department on staff to answer your calls and emails at all hours of the day and night.

    Point-of-Sale Systems

    Although most CBD friendly payment processors will demand some agreement before doing business with you, not all of them will be legally binding.

    There will be differences in the costs and terms of service between the various CBD service providers. It’s best to steer clear of businesses solely interested in setting up long-term connections, especially if they can’t provide client recommendations.

    Get ready to haggle if the firm of your dreams offers a partnership; however, only if you agree to pay them an ETF (early termination fee) should you decide to leave.

    Customer Support

    No one likes to hear that adding a CBD payment processor would require them to migrate to a new e-commerce platform. This can be a major hassle and a huge letdown, especially if you’ve put considerable effort into making your digital cannabis or hemp store appear professional.

    In light of this, you should avoid working with a CBD merchant management system that mandates you to use their proprietary technology. Choose instead a CBD credit card processing firm whose system can be easily integrated with several e-commerce platforms.

    The best businesses to work with are those who provide these amenities because they’ll be able to assist you in maintaining your company’s momentum as it expands.

  • We’ve listed some factors that your CBD merchant account’s credit card processing provider must meet to assist you in your quest so that you can chose the best CBD payment processor for your business:

    Expansion in payment options:

    CBD payment processors should enable you in acquiring and serving customers that use all common types of transactions such as credit cards and debit cards. PurePayPayments is one of the processing systems allowing customers to buy products through alternative payment gateways.

    Upgraded customer service:

    There is no doubt that your business requires efficient customer services by the right kind of provider for satisfying customers and generating revenue. PurePayPayments offers a complete package that is inclusive of customer service, troubleshooting, data security and fraud protection. These kinds of services play a significant role when you are dealing with chargebacks and unconventional payment options.

    Adaptability and convenience:

    CBD processors like PurePayPayments are consistently updating their software and adapting new programs in order to account for the changes in the payment market, meanwhile making sure that your online store is updated and well-informed. PurePayPayments also manage and operate administrative, accounting and billing matters resulting is decreased chances of errors and discrepancies. Hence, it gives you fewer headaches and helps you to focus on your main goal of attracting and retaining customers. 

    High risk availability:

    Business dealing in CBD goods are prone to frauds and chargebacks as this industry hangs around various grey areas. PurePayPayments is a reliable payment processing service that is willing to deal with the risks involved in transactions. In addition to this, PurePayPayments is experienced in aiding businesses associated within a high-risk sector, making it a reliable CBD payment processor.

    Trouble-free integrations:

    You, as a business owner, will definitely not want to experience a time-consuming and worrisome integration of a CBD payment processor, trying to make it look perfect for the customer.

    With PurePayPayments, you can integrate its CBD credit card processing system flawlessly without the hassle of using their existing platform. With the broad scope of e-commerce software, it is capable of supporting your business and helping it thrive.

    PurePayPayments is a kind of payment processor that operates through API integration. A huge advantage of using this payment gateway is that you can monitor it yourself and you can get to know the outlook of your ecommerce store through the eyes of the customer!

  • Yes, it can benefit your business, too. How, though? Let’s explore a few benefits that might help you understand the situation better:

    Perfect for Elevating Business to New Levels

    You should use CBD financial transactions if expanding your company is a priority. The network operators will guarantee that your CBD online shop is always running at top performance by regularly updating their software.

    If there are any shifts in the payment processing for CBD, a comprehensive service provider like PurePayPayments is able to adjust their software accordingly.

    CBD Processors Can Accept Debit and Credit Cards

    Online purchases are often paid for with credit or debit cards. In August 2017, Harris Poll polled more than 2,000 Americans and found that 44% of respondents preferred purchasing using debit cards.

    They will look elsewhere for their needs when you can’t offer them. PurePayPayments offer processing services that accept CBD payments might help you get and keep consumers because of their convenience.

    Reduces Probability of Mistakes

    You already have so much on your serving dish with responding to customer investigations and adding new CBD products to your digital commerce stockpile that you shouldn’t worry about inconsistencies.

    Rather than wasting time and money teaching employees how to rectify accounting mistakes, you can use CBD payment services such as PurePayPayments.

    Enhances Customer Support

    If you choose carefully, credit card processing system provide round-the-clock support in the event of technical difficulties or customer support inquiries.

    Customers who purchase CBD products online can feel confident knowing they are protected by a reliable provider’s attention to data safety and prevention.

    Customers Have Options to Pay

    A more advanced system will allow your customers to pay for CBD products using a wider range of payment gateways, including but not limited to gift certificates, prepaid debit cards, money transfers, and even buy-now-pay-later plans.

    Fact Checking on Merchants

    However, speed is not always preferable in the case of a CBD business account application. Whenever a business person applies for a payment processor with a credit card processing company, the company can approve the account swiftly before realizing the firm offers items outside their regular risk level or more of those goods than originally imagined.

    In such a case, the company runs the danger of being unable to accept payments. If you want to open a CBD merchant account, you should only do so with a payment gateway that does rigorous underwriting and fact-checking on new merchants.

    Even though it can be a pain to detail every little detail of your product’s chemical composition and marketing strategy, doing so will pay dividends for your company over the long term.

  • Payment gateways are not only vital for online stores, but they are also being used by brick-and-mortar stores frequently as part of integrated payroll processes.

    Even though a financial gateway’s primary purpose is to handle a transaction via the network, integrated systems offer numerous other purposes, such as managing inventory, personnel planning, and revenue reporting tools. With an integrated solution, you can run your company from any computer with an internet browser and an internet connection.

    Below is a rundown of how some of the biggest payment gateways handle CBD sales:

    Authorize.Net CBD Policy

    Even though CBD sales may be processed via the Authorize.Net gateway, the Visa-owned payment processor does not want to discuss the topic. It’s not only the law that requires you to use a merchant service company that’s okay with CBD sales; it’s also the fact that you need one.

    Big Commerce CBD Policy

    Over 65 different payment channels are available via BigCommerce, and the platform provides comprehensive support for CBD companies. To help you get started with your own CBD business, the firm has a wealth of information available on its website.

    Shopify CBD Policy

    Unlike CBD goods generated from marijuana, Shopify allows the sale of CBD products derived from hemp in all states where such sales are allowed. The catch is that you must join a third-party payment gateway provider and follow all local, state, and federal regulations.

    PayPal CBD Policy

    Although almost anybody may open a PayPal business account, the sale of CBD products is explicitly forbidden under the company’s Acceptable Use Policy. If you violate this policy, PayPal may terminate your account.

    Square CBD Policy

    Many CBD merchants in the business’s early days joined Square without giving any thought to the products they were selling, only to have their accounts deleted shortly afterward. Square now has a dedicated program that welcomes CBD businesses.

With this background in mind, it’s important to inquire regarding any supplementary and tailor-made services the CBD credit card processors can provide. Because each business operates in its unique way, it is essential to have the Best CBD merchant processor network that can handle the whole of your transactions.

No matter what you want to accomplish with your company, picking the best payment processor for CBD like PurePayPayments is important for your business. Basic amenities to watch out for include those that deal with regulatory standards, detection and prevention and information security, chargeback administration, and direct you in the proper route.