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📞 (956) 877-5399
⚠️ High Risk Specialist • CBD & Hemp

🌿 CBD & Hemp
Merchant Accounts

CBD and hemp businesses face constant account terminations and declines. We work with processors who understand the hemp industry and won't shut you down for selling legal products.

24hr
Avg approval time
$0
Application fee
TX
Serving all of Texas
Direct
Local rep, not a call center
Why CBD & Hemp Is High Risk

Merchant Accounts for CBD & Hemp Businesses in Texas

CBD and hemp businesses are classified high-risk primarily because of regulatory uncertainty around cannabinoid products, the proximity to cannabis which is federally controlled, and the high chargeback rates common in online supplement sales. Stripe, Square, PayPal, and most standard processors prohibit CBD and hemp products. Even though Farm Bill-compliant hemp products are federally legal, processors treat them as high-risk. Specialized accounts with banks that have legal opinions on CBD processing are the only reliable solution.

  • No application fees — free to apply
  • Approvals in 24–48 hours in most cases
  • Prior terminations and bad credit considered
  • Stable, long-term accounts — no surprise holds
  • In-person and card-not-present processing available
  • Competitive rates — we show you everything upfront
Why Mainstream Processors Decline CBD & Hemp

Square, Stripe, PayPal, and most bank processors use automated screening that flags cbd & hemp businesses based on industry code alone — before they ever look at your actual business. They'd rather decline you than take on perceived risk. We work with specialized acquiring banks who actually underwrite your specific business, not just your SIC code.

Related Resources
Cash Discount — Eliminate Processing FeesAccept Payments on Your Website All High Risk Industries We Serve
What We Offer

Everything You Need to Process Cards

🌿

Farm Bill Compliant Processing

Accounts specifically set up for Farm Bill compliant hemp and CBD products.

🌐

E-Commerce Gateway

Accept card payments on your CBD website with a compliant gateway.

🏪

In-Store POS

Countertop terminals for CBD retail shops and dispensaries.

📋

Subscription Billing

Recurring billing for CBD subscription boxes and wellness programs.

🛡️

Stable Account

No account terminations for selling legal hemp products.

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Chargeback Support

Tools to manage the elevated dispute rates common in online supplement sales.

Frequently Asked Questions

CBD & Hemp Processing — Your Questions Answered

Farm Bill compliant hemp-derived CBD (less than 0.3% THC) is federally legal. However, payment processors have their own acceptable use policies and most major ones prohibit CBD regardless of federal law. Specialized high-risk processors work with banks that have reviewed the legal landscape and accept Farm Bill compliant CBD businesses.
Yes, with the right merchant account and gateway. Card-not-present CBD transactions carry higher rates than in-person, but are processable. Your product pages and labeling must clearly indicate hemp-derived, Farm Bill compliant CBD.
THC products (including delta-8 in some states) are a different risk category and harder to process. Tell us your specific product mix and we'll give you an honest assessment of what's possible.
Certificate of Analysis (COA) from an accredited lab showing THC content below 0.3%, clear product labeling, and a Farm Bill compliant supply chain. These documents are part of the underwriting process.
Areas We Serve

Texas CBD & Hemp Businesses — Statewide

We set up high-risk merchant accounts remotely for businesses anywhere in Texas. Local to the RGV and South Texas, but we serve statewide.

Apply Today

Ready to Start Accepting Cards?

Free application. No commitment. We'll tell you exactly what we can do for your cbd & hemp business before you sign anything.

Get Pre-Approved Now 📞 (956) 877-5399
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