Reliable Payment Processing for CBD and Hemp Businesses

The CBD and hemp industry faces unique challenges when it comes to payment processing. Despite the 2018 Farm Bill legalizing hemp-derived CBD products with less than 0.3% THC, many banks and payment processors still consider CBD businesses high-risk. At KeraPay, we specialize in providing stable, compliant payment processing solutions specifically designed for CBD retailers, manufacturers, and distributors.

Understanding CBD Payment Processing Challenges

The CBD industry's rapid growth has outpaced the financial sector's adaptation, creating several obstacles for businesses:

Banking Restrictions

Many banks remain hesitant to work with CBD businesses due to regulatory uncertainty and reputational concerns. This leads to:

Sudden account closures without warning
Frozen funds and delayed settlements
Limited access to business banking services
Difficulty obtaining business loans or credit

Regulatory Compliance

CBD businesses must navigate complex and evolving regulations:

State-by-state shipping restrictions
Age verification requirements
Product labeling and marketing regulations
THC content testing and certification
FDA compliance for health claims

Our CBD Payment Processing Solutions

KeraPay provides comprehensive payment solutions tailored to the CBD industry's unique needs:

Stable Merchant Accounts

Dedicated CBD Processing: Accounts specifically designated for CBD businesses
Multiple Acquiring Banks: Redundancy ensures continuous processing capability
Transparent Terms: Clear contracts with no hidden clauses or sudden changes
Long-term Stability: Relationships with CBD-friendly banks worldwide

E-commerce Solutions

Platform Integration: Works with Shopify, WooCommerce, and CBD-specific platforms
Subscription Billing: Perfect for CBD subscription boxes and auto-ship programs
Mobile Optimization: Responsive checkout for increasing mobile sales
International Payments: Accept payments from customers worldwide

Compliance Features

Age Verification: Integrated age-gate and verification at checkout
Shipping Restrictions: Automatic blocking of restricted states
Product Categorization: Proper coding for CBD products
Documentation Management: Store COAs and lab results

Types of CBD Businesses We Serve

Retail & E-commerce

Online CBD stores
Brick-and-mortar dispensaries
CBD subscription boxes
Marketplace sellers
Pop-up shops and farmers markets

B2B & Manufacturing

CBD manufacturers
White label producers
Wholesale distributors
Raw hemp processors
Private label brands

CBD-Specific Chargeback Prevention

CBD businesses face higher chargeback rates due to customer confusion, quality expectations, and banking policies. Our specialized approach reduces chargebacks:

Clear Billing Descriptors: Ensure customers recognize charges
Product Descriptions: Detailed information to set proper expectations
Customer Education: Information about CBD and what to expect
Quality Assurance: Documentation of lab testing and certificates
Proactive Communication: Shipping notifications and tracking
Easy Returns: Clear return policies reduce disputes

Best Practices for CBD Payment Processing

Maintain Compliance Documentation

Keep current COAs, lab results, licenses, and permits readily available. Update documentation regularly and ensure all products meet the 0.3% THC threshold.

Transparent Marketing

Avoid unsubstantiated health claims. Focus on wellness benefits and customer testimonials while staying FDA compliant in all marketing materials.

Professional Presentation

Maintain a professional website with clear policies, contact information, and business credentials to build trust with processors and customers.

Getting Started with CBD Payment Processing

The application process for a CBD merchant account is straightforward with KeraPay:

Initial Application: Provide basic business information and processing history
Documentation Review: Submit licenses, COAs, and compliance documents
Underwriting: Our CBD-specialist team reviews your application
Account Setup: Configure your payment gateway and integrations
Start Processing: Begin accepting payments in 24-48 hours

Required Documentation for CBD Merchants

Business license and registration
State hemp or CBD license (if required)
Certificate of Analysis (COA) for all products
Product list with descriptions and prices
Bank statements (3-6 months)
Processing statements (if applicable)
Website URL and marketing materials

Pricing for CBD Payment Processing

Our CBD merchant accounts feature transparent, competitive pricing:

Processing Rates: Starting at 3.9% + $0.30 per transaction
Monthly Fee: $25 account maintenance fee
Setup Fee: $0 - No upfront costs
Chargeback Fee: $25 per occurrence
Rolling Reserve: 5-10% held for 6 months (if required)

Why Choose KeraPay for CBD Payment Processing?

KeraPay is the trusted payment processor for hundreds of CBD businesses:

Industry Expertise: Years of experience with CBD and hemp businesses
Stable Processing: No surprise account closures or frozen funds
Fast Approval: Get approved and processing in 24 hours
Dedicated Support: CBD-knowledgeable support team available 24/7
Growth Focus: Scale your business with our high-volume capabilities
Compliance Help: Stay current with changing regulations

CBD & Hemp Payment Processing

Industry Challenges We Solve