CBD Merchant Accounts: Providers That Accept CBD and Hemp
Specialist high-risk providers accept CBD businesses; mainstream platforms like Square list CBD as unsupported. Of 8 operating providers we checked, 3 publish a card processing rate and 3 publish a rolling reserve range (5–10%). Expect a documents review, a THC limit (often 0.3%), and possibly a reserve.
How do CBD merchant account providers compare?
Only 3 of 8 operating providers publish a card rate. Most quote after you apply.
Disclosure: Best Payment Providers has a business connection with Bankful and EMB, listed first below. Details
| Provider | Published card rate | Rolling reserve | Accepts CBD | Markets | Status | Next step |
|---|---|---|---|---|---|---|
| Bankful Listed first | Not publishedGateway plans from $0/mo listed separately on its pricing page | Not published | ✓ Listed; eligibility set at underwriting | Not published | Operating | ApplyPricing page |
| EMB (eMerchantBroker) Listed first | Not published | Not published | ✓ CBD page; sponsor bank must allow CBD | Not published | Operating | Visit EMBIndustry page |
| Corepay | “As low as” a blended 2.95% (CBD) | Expected; % not published | ✓ Hemp-derived, 0.3% THC or less | US, EU, UK listed (page lists vary) | Operating | CBD page |
| PayKings | Interchange + 1.10% + $0.25 up to $100k/month; no setup fee | Typically 6 months; % not published | ✓ Underwritten on documents | US-based merchants only | Operating | Site |
| Easy Pay Direct | CBD: custom quote. General high-risk: 2.69% + $0.36; $99 setup (waived if documents sent in 24h); about $25/month | Not published | ✓ Dedicated CBD account | Not published | Operating | CBD page |
| SoarPay | Interchange-plus; amounts Not published | Typically 5–10% of volume, reviewed every 60–90 days | ✓ Lists CBD oil and products; THC products excluded | US-headquartered merchants only | Operating | FAQ |
| Adaptiv Payments | Not published | 5–10%, held 90 or 180 days by risk level | ✓ Hemp-derived CBD | Not published | Operating | Site |
| Instabill | Not published | Usually 5–10% of weekly sales, held about 6 months | ✓ CBD merchant accounts | US and offshore banks | Operating | Fees page |
| iPay Total | – | – | – | – | Closed | Dissolved Nov 19, 2023 |
What to do if your processor dropped CBD
- Read the noticeNote the last processing date and what happens to funds already held.
- Pull your recordsDownload recent processing and bank statements now, while you have access.
- Check your productsConfirm THC content and labels match what you’ll declare.
- Apply to specialistsCompare published terms in the table above, then apply.
Will a provider accept your CBD business?
Three things decide most applications: what’s in your products, where you’re based, and your paperwork.
- Strong fit Hemp-derived products at or under 0.3% THC, a US-based business, a compliant website, and processing statements ready.
- Possible No processing history yet, or based outside the US. Some providers serve US merchants only (PayKings, SoarPay); others list non-US markets (Corepay, Instabill).
- Unlikely Products above 0.3% THC (Corepay won’t accept them; SoarPay excludes THC products), or a chargeback rate of 2% or more (EMB asks for under 2%).
A fit guide, not an approval. Each provider decides at underwriting.
Why is CBD high-risk for payment processors?
Mainstream platforms restrict it, rules depend on THC content, and card networks watch dispute rates closely.
Bank partners also change their stance, which is why a processor that accepted CBD can stop supporting it.
What we found checking 8 CBD providers
Operating providers in the table above, from their own pages, checked November 6–8, 2026. How we check
How does getting a CBD merchant account work?
- ApplyBusiness details, products and website.
- Document reviewID, bank and processing statements, website check.
- Underwriting decisionApprove, decline, or approve with conditions.
- Terms setRate, any reserve, payout timing.
- Go liveConnect your store and start taking payments.
Providers publish different timelines, and some contradict themselves, so we don’t list them. Ask for a timeline in writing.
What documents do you need to apply?
Two providers’ CBD checklists overlap on these items.
- Government-issued photo IDBoth Corepay and EMB ask for it.
- Voided checkConfirms the bank account for payouts.
- Processing statementsCorepay asks for 6 months; EMB asks for 3 months, if you have them. They show your chargeback history.
- Bank statementsEMB asks for 3 recent months.
- Business formation documentsCorepay asks for articles of incorporation.
- SSN or EINBoth list it.
- A compliant, working websiteBoth list it. Reviewers look at product claims, terms and refund policy.
Sources: Corepay, EMB, checked November 7, 2026. Lab results (COAs) for each product are also commonly requested; have them ready.
Questions CBD merchants ask
What does a CBD merchant account cost?
Most providers don’t publish it. Of the 8 we checked, Corepay publishes “as low as” a blended 2.95% for CBD; PayKings and Easy Pay Direct publish general high-risk rates. The rest quote after you apply.
Will a processor accept my CBD or hemp products?
Specialist providers list CBD, but each decides at underwriting. The usual deal-breakers are THC above 0.3%, a non-US business for US-only providers, and a high chargeback rate.
What is a rolling reserve, and will I have one?
A share of each payout held back for a set time to cover chargebacks. SoarPay, Adaptiv and Instabill publish 5–10%; Corepay says to expect one. Not every merchant gets one.
What documents do I need?
Expect photo ID, a voided check, processing and bank statements, formation documents, your SSN or EIN, and a compliant website. See the checklist above.
How long until I’m live?
It depends on the provider and how complete your file is. Published timelines vary and some conflict, so ask for one in writing.
My processor is dropping CBD. Can I switch quickly?
Start with your records: statements and product details speed up underwriting. Then compare providers above and apply to more than one if timing matters.
Bankful is a provider we have a business connection with.
Dropped by your processor, or applying for the first time? Bankful lists CBD among the industries it serves.