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The 10 Best Kratom Merchant Account

Caught in a swirl of controversy in the US and around the world, and hailed for its numerous medicinal properties, Kratom is a tropical tree from Southeast Asia. For hundreds of years, its leaves have been used to relieve pain. Although it can be consumed raw, it usually is crushed to brew and make tea. It is also turned into capsules, tablets, and liquids.

When consumed in low doses, kratom acts as a stimulant. However, in higher doses, it has been found to act as a sedative.

According to the American Kratom Association (AKA), there are about 3-5 million kratom users in the United States. In 2016, it is estimated that the Kratom industry in the United States alone is worth over one billion dollars.

However, the Drug Enforcement Agency (DEA) in the US has claimed that the use of kratom can lead to psychotic symptoms and psychological addiction. Kratom has been featured on the DEA’s list of drugs and chemicals of concern for several years.

Since 2016, in the UK, the import, export, and sale of kratom was prohibited under the Psychoactive Substances Act.

Despite the controversy and many countries aiming to outlaw the kratom, its use is surging. With many users claiming that this alternative treatment heals chronic pain, opioid withdrawals, and mood disorders, kratom will only grow in popularity.

However, because of questions of legality, most banks will not offer merchant service accounts to those in the kratom business.

There are merchant service providers ready to fill this gap and offer kratom merchants a way to process payments and grow their businesses. Take a look at 10 of these merchant service providers to see where they fit in your kratom business.

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Web Merchant

Founded in 1997 and headquartered in Kingston upon Hull, UK, Web Merchant is platinum accredited partners with major UK, European, and Worldwide banks.

The Pros

Some of their benefits include powerful risk management tools, full reporting interface, adapted payment solutions. Dedicated support for gaming operators, sophisticated anti-fraud systems, multiple payment methods, PCI DSS specialism, transaction optimisation, 24/7 support, comprehensive anti-fraud solutions, multiple acquirers in one solution, payment solutions adapted to your needs.

The Cons

Web Merchant partners with a vast number of acquirers and banks and therefore makes it virtually impossible to know what offerings, fees, and services from the start. It is critical to know this information and not get hit with unexpected fees, courtesy of the acquiring bank.

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Allied Payments

With offices in North Palm Beach, Florida, Allied Payments specialises in providing high risk processing services for online merchants.

The Pros

One of their features, an e-Check solution, has the following benefits: low costs, account stability (transaction disputes are 2-3%), increased protection from chargebacks, a fraud protection system which is linked to their fraud scrubbing platform, check conversion processing solutions, check verification, check guarantee, and check drafting.

In addition, there are no volume limits.

Both the approval and setup fall within the same timeframe of 1-3 days. Deposits will be received within 48 hours.

They offer integration with payment gateways such as: WooCommerce, Shopify, BigCommerce, Ecwid, Limelight, Magento, Opencart, and Prestashop.

The Cons

This company only offers communication by phone, mail and contact form. Would be best to have a live chat feature that merchants can utilize for pressing matters and urgent questions.

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Headquartered in Chicago, Illinois, and founded in 2009, Payline offers its merchants the following benefits: access to a virtual terminal, no cancellation or termination fees, next day deposit of funds, direct integration with Quickbooks, and a chargeback prevention platform.

The application process is quick and painless in which their high risk experts work to create a customised solution.

They also offer a dedicated support team to navigate the different options available to high risk merchants.

The Pros

Their virtual terminal alone, as a vast array of features, including: invoicing, a hosted payment page, billing plans and scheduled payments, shopping cart integrations, ACH payments, Mobile App, securely stored customer data, in-depth reporting, emailed receipts, void and refund capabilities, free PCI compliance, and unlimited users.

The Cons

The few complaints filed against the company include withheld funds, product malfunctions, and slow customer service.

0 4

Durango Merchant Services

Founded in 2004 and located in Durango, Colorado, Durango Merchant Services works with many gateway processors and suppliers with sponsor banking relationships that offer credit processing solutions for both the US-based and internationally based companies.

The Pros

Features in the contract include: variable contract lengths (month-to-month), free application processing, direct financing with regular deposits (daily or weekly, depending on whether onshore vs offshore), recurring billing, competitive rates, acceptance of multiple currencies and deposits, compatibility with major gateways and shopping carts, integration assistance with more than 100 shopping carts, chargeback prevention tools and advice, eCheck processing, gateway includes fraud detection and prevention tools.

The Cons

The only complaints received about this company were about Durango’s inability to get approval for a high risk merchant account and about a partnering bank withholding a merchant’s funds.

0 5

Green Pay

Headquartered in Princeton, NJ, Green Pay Merchant Services specialises in providing kratom merchants with customised payment processing solutions.

The Pros

Some of the benefits offered to kratom merchants include: a state of the art gateway that is secure and PCI compliant, major debit and credit card acceptance, secure virtual terminal, ACH and electronic check processing, great rates, free integrations, same-day funding, 24/7 customer service and tech support, chargeback insurance, as well as minimum and rolling reserves. Rates are determined based on the type of business.

The Cons

The only ways to communicate include phone, email and contact form. There is no live chat feature that would expedite an urgent question or concern.

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iPay Total

Founded in 2018 and headquartered in London, iPay Total is a head shop payment processor that also offers end-to-end high risk merchant solutions to kratom merchants around the world.

The Pros

Some features offered on kratom 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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Located in Portsmouth, New Hampshire, Instabill was founded in 2001 by CEO Jason Field to help high risk merchants secure credit card payment solutions, including kratom businesses.

On Instabill’s website, they do say that it can offer offshore kratom merchant accounts for businesses that have processed kratom payments for three to six months.

The Pros

Online casino merchant benefits include the following: easy person to person transfers, no debit/credit card or PIN use, a convenient storage solution on your PC or smartphone, traceable transactions to deter fraud.

The Cons

Due to Instabill’s focus on high risk accounts, it may feature tiered pricing, early termination fees, and PCI Compliance fees. Most complaints against Instabill are about the company’s fraud prevention policies. Merchants report cancellation of their merchant accounts or withholding funds.

0 8

Host Merchant Services

Based in Newark, Delaware and founded in 2008, Host Merchant Services provides customizable payment processing solutions for high risk merchants, including kratom businesses.

The Pros

Their features include a guaranteed lowest rate, free mobile options, affordable point of sale, free equipment for qualified accounts, transparent statements, online marketing tools, multiple payment gateways (Transaction Express and Authorize.NET), virtual terminals, online shopping carts, PCI compliance, merchant cash advances, EMV credit card machines (including traditional, mobile/wireless, and PIN Debit PIN Pads), point of sales systems, gift and loyalty programs, cash discount programs, small and large ticket processing, and data breach protection.

The Cons

Only a handful of complaints have been reported and were related to merchants being denied an account or malfunctioning hardware. The others were about a misrepresentation of rates and an unexpected equipment lease. It is imperative that merchants read the fine print thoroughly to avoid these unnecessary charges.

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Based in Los Angeles, California, eMerchantBroker offers high risk processing solutions. They do offer offshore merchant accounts for kratom sellers.

The Pros

EMB offers custom-made paid solutions, excellent customer service, approval rates between 24 and 48 hours, chargeback management tools, PCI-compliant payment gateways, as well as fraud filters.

The Cons

Very little information about the standard contract. This could only mean that the contract terms vary widely from merchant to merchant. There are early termination fees that are up to $295 for 1 year contracts and up to $595 for 3 year contracts.

Provider of the Month

Although this medicinal plant has been used responsibly for hundreds of years, there are also many growing cases of it being abused. As a result, more legislative bodies are moving closer to banning the use of kratom altogether.

As a kratom merchant, it is critical that you work with a high risk merchant that is well-versed and timely in their knowledge of the kratom industry. At this time, many merchant services providers can only offer offshore banks in order to process credit card payments.