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The 10 Best CBD Merchant Accounts

Although in its infancy, the market for CBD (Cannabidiol oil) has exploded. As more and more people are seeking natural, non-pharmaceutical means to heal their bodies, CBD oil has been praised for treating anxiety, depression and severe pain. There is even the possibility of it being powerful enough to cure cancer, however, there is still much research to be done.

As the number of countries that are embracing CBD continue to grow, more are legalizing this miraculous substance. However, other countries are not too keen on making it legally available to its citizens.

With its controversial nature, banks are naturally less enthusiastic about embracing CBD merchants. The legality and efficiency of the product has experienced an on-going debate. Some governments restrict the amount of research to be conducted.

So what is a CBD Merchant to do? Look no further than these 10 CBD Merchant Providers. They have a solid history of not only dealing with the nature of high-risk merchant accounts, but many of these keep their proverbial finger on the pulse of this ever-growing, and evolving CBD industry.

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Servicing the US, Europe, and Canada, DirectPayNet offers payment solutions for high- risk businesses and industries.

Founded in 2009, as a full service Merchant Services Provider, DirectPayNet prides itself on being one of the first companies to back and support fledgling CBD entrepreneurs.

The Pros

Some of their offerings include credit and debit card processing, offshore merchant accounts, incorporation setup, risk management, and fraud detection.

Another selling point for potential customers is the opportunity to take part in a free price analysis to discover how much you would save by becoming a DirectPayNet customer.

Expert support is available 365 days a year.

The Cons

As noted on their website, their focus and specialty seems to be only on medium to large-sized high risk merchants. Therefore, another alternative will need to be sought if you are a smaller-sized business.

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Situated in beautiful Santa Monica, California,’s CEO, JW Epply is an accredited Certified Payments Professional (CPP) from the Electronic Transactions Association (ETA).

The Pros’s features include a state of the art electronic application process, creating a hassle-free experience. The application is also cloud-based, digitally capturing the merchants information and submitting it to their vast network of high risk banks both domestically and internationally.

Additional services consist of: CPP certification, ACH processing, chargeback prevention, fulfillment api, recurring billing options, customizable subscriptions, and chargeback protection.

The Cons

There is no contract information available to the public at this time, but it’s to be expected that their pricing is largely attributed to business type, location and processing history. Also, the company does not provide a specific and dedicated customer support number, which is not something a merchant can do without.

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Paytriot Payments

Headquartered in Uxbridge, UK, Paytriot Payments assists high risk businesses to receive merchant accounts in a matter of hours instead of weeks.

Not only do they offer merchant accounts but they also offer payment gateways for businesses of any size.

The Pros

For their merchant services, they provide competitive rates, a smooth boarding process, multi-currencies, and 24/7 customer service.

Their payment gateway are Level 1 PCI DSS Compliant, are 3D secure, are integrated with all major shopping carts, and linked to 150+ processors.

Paytriot also offers e-wallet solutions to customers who are wary of providing their credit or debit card information on a new website.

The Cons

Extremely difficult to find any complaints for this company. On Trustpilot, most merchants gave the company an average of 4.8 out of 5 stars and expressed great satisfaction.

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Secure Trading

Founded in 1999, London-based Secure Trading Group is comprised of three different companies: Secure Payment LTD, STI, and, each providing different solutions to various markets.

The Pros

Some of Secure Trading’s solutions include: easy integration, web services payment interface, JSON Payment Integration, hosted payment processing, multilingual pages, virtual terminals (MOTO), ST PAYME, alternative payment methods, reporting portals, STFS Fraud and Transaction Monitoring, PCI, an onboarding process, and dedicated account management, and much more.

The Cons

Secure Trading does not disclose any specific rates or fees in the agreement. This can prevent merchants to negotiate effectively.

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Radiant Pay

London-based Radiant Pay is an agency offering payment solutions to merchants across all “legal” industries. It is a leading payment solution provider in the UK, European, and Asian countries.

The Pros

Some of the advantages offered include quick approvals, partnership with banks around the world, round the clock support, affordable pricing plans, quick payouts, minimal transaction charges, no deductions from revenues, uncapped transaction volumes, multi-currency processing, low taxes, risk management solutions, and personalised consultations.

The Cons

Some complaints about the company have to do with sales agents imposing highly undesirable contract terms. It is best to read the fine print thoroughly before signing anything with this company.

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iPay Total

Founded in 2018 and headquartered in London, iPay Total offers end-to-end high risk merchant solutions to customers around the world.

iPay Total partners with CBD merchants to protect them from account closures, fraud, and chargebacks.

The Pros

Some features offered on CBD merchant accounts include: multi-bank processing (including offshore), secure payment gateway, chargeback alerts, chargeback disputes, ACH/Check 21 processing, fraud prevention and protection, and competitive processing rates (below 6%), as well as 24/7 support online or by phone.

The Cons

High risk merchant account contract terms are not disclosed to the public. iPay Total also claims to charge a set up fee of up to £4,500, an incredibly exorbitant and prohibitive amount, especially for small businesses starting out.

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CBD Merchant Account

CBD Merchant Account is an international merchant services provider, that has provided solutions for the payment industry since 1990.

The Pros

They support all debit cards, both PIN-based and PIN-less debit and for signature debit.

They provide the capability of either one-time or recurring Automatic Clearing House (ACH) network payments, from their customer’s bank accounts at a much lower transaction fee. It also offers Echeck processing.

The Cons

Merchants will need to proceed with caution as it clearly states that there is a liquidated damages clause and early termination fees. The liquidated damages clause takes effect when a merchant cancels before the contract ends. What follows is the merchant is responsible for paying all the remaining monthly fees plus estimated profit.

There also is a rolling reserve of 10% and if the company cannot withstand the absence of funds, it’s best to steer clear.

Also, there is no support email address provided.

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Founded in 2018 by Dennis E.R. Pedersen and Austin W. Kisiah, PurePay started as a conversation to improve an “outdated unfriendly system” within the payment processing industry.

Located in Surrey, the former advertisers, they sought to close the gap in service and response time of most payment service providers.

The Pros

PurePay offers its merchants the following services: ACH processing, Chargeback Dispute Resolution, prevention programs, high volume payment solutions, Mail Order/Telephone Order Processing (MOTO), online payment gateways, Point-of-Sale (POS) Solutions, crypto payments, fraud prevention, corporation setup, and IBAN Settlement bank accounts.

The Cons

Pure Pay includes a four and a half to six month rolling reserve. This time frame may vary, depending on the bank. However, if you are not able to manage or operate without these funds it might be best to avoid this type of processor.

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We Tranxact

Focusing on transparency in their rates and contracts, founder Rav Bains learned the reigns of providing exceptional customer service as a kid in his parents’ Birmingham fish and chip shop.

Founded in 2016, Birmingham,UK-based Web Tranxact is well-versed with the challenges in the Cannabidiol retail business and aims to offer solutions by providing CBD online merchant accounts as well chip and pin machines for retail businesses.

The Pros

Merchants can benefit from no PCI DSS fees, no authorisation fees, no minimum monthly services, no monthly contracts, Next Day settlement of funds, no rolling reserves, online reporting and analysis tools, and rates as low as 1.5% (dependent on application). Approvals are as soon as 2 hours.

The Cons

Some of the complaints found against We Tranxact were relating to not being completely transparent about their fees. However, further clarification was given that the merchant bank they work with does increase their fees and this information is communicated to all merchants. All the same, it seems to be something out of We Tranxact’s control which can directly impact the merchant’s bottom line.



With two offices in San Francisco, California, and Tampa, Florida, LimeLight was born out of necessity. The company’s founder, Brian Bogosian, started the company in 2008 due to a lack of solutions to combat fraud and analyze data for his direct-to consumer e-Commerce business.

Keenly aware of the gap, Bogosian created solutions to address the challenges merchants faced. Armed with a team of engineers, data scientists, and entrepreneurs with expertise in performance marketing, mobile payments, and enterprise technology, LimeLight is more than equipped to serve their global clients.

The Pros

Some of their key offerings include market insights, marketing automation, billing optimization, customer relationship management, transaction risk processing, analytics, cloud technology, and PCI compliant security. Additional services consist of an account updater, ant-fraud services, Transaction Select, and 3D Verify. With out of the box access to over 300 partner integrations and advanced data analytics, merchants can easily monitor the health of their business.

The Cons

The one downside is that was reported was that the platform was difficult to navigate and very little information was provided to perform specific functions, such as how to use the search and actually searching for customers.

Provider of the Month

Why DirectPayNet:

Servicing the US, Europe, and Canada, DirectPayNet offers payment solutions for high- risk businesses and industries.

Founded in 2009, as a full service Merchant Services Provider, DirectPayNet prides itself on being one of the first companies to back and support fledgling CBD entrepreneurs.

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