Cannabis / Marijuana Credit Card Processing

At this time we do NOT have a solution for the sale of cannabis or cannabis extracts. 

We CAN process payments for CBD and cannabis-related items such as apparel, water pipes, and accessories. 


US & Canada Merchant Accounts


2-5 Day Approval


24-48 Hour Funding


Guaranteed Lowest Rates*

  • US & Canada Merchant Accounts
  • 2-5 Day Approval
  • 24-48 Hour Funding
  • Guaranteed Lowest Rates*

Get High Risk Credit Card Processing


Merchant Accounts for Marijuana & Cannabis related products

While the sale of Cannabis flower is federally illegal, we can still handle CBD payment processing, water pipes, accessories, apparel, and more.

We are working on a credit card-style debit system, and hope to offer that service in the very near future.

You can apply for Cannabis and Marijuana payment processing now, and. We will reach out the moment we have a solution for you.

CBD merchant account processing

If your merchant account was shut down today, and you could no longer accept credit cards, how long could you keep the doors open?


Everyday basic payment facilitators and companies like Stripe, PayPal, Square, Shopify, etc. Shut down thousands of accounts.

It’s not a matter of IF you’ll get shut down, but WHEN…

If your provider held your money for 90 days would you survive?

If they placed a 10% hold on your account, could you make payroll?

It’s time to upgrade to Easy Pay Direct.

Easy Pay Direct has been amazing! Incredibly helpful and super simple to get set up and running. Highly recommended!


Will Allen

I have used easy pay direct for years. They are great. You need someone you can trust to navigate payment processing and they know the space well.


Lucas Siegel

Easy Pay Direct is without a doubt one of the best payment processing solutions for those with higher risk businesses. Can’t recommend them enough.


Chris Seiter

What Other Features Does Easy Pay Direct Offer?

  • PTransaction Routing

    Automatically route transactions across multiple merchant accounts. If one ever goes down, your others are still processing.

  • PWhite Glove Service

    You’ll have 1 point of contact that is available when you need them. No more chat-bots, no more phone trees. 

  • PDecline Recovery

    Most businesses don’t realize how much their decline % lowers revenue. We will help you keep approval rates high.

  • PChargeback Mitigation

    Stop chargebacks before they begin with our anti-chargeback tech.

  • PHosted Checkout

    Add payment buttons and invoicing to any of your website pages.

  • PRecurring Billing

    Built in recurring billing for subscriptions and multiple payment options.

  • PMobile Payments

    Accept and send payments with our easy to use mobile dashboard.

  • P250+ Shopping Cart Integrations

    Integrate to almost any shopping cart in the world, we can set this up for you!

  • PBanking For Every Vertical

    We have personal relationships with banks across the USA & Canada to get your accounts approved.

  • PUnlimited High Ticket

    Process high ticket transactions regularly without issue

Your Title Goes Here

Your content goes here. Edit or remove this text inline or in the module Content settings. You can also style every aspect of this content in the module Design settings and even apply custom CSS to this text in the module Advanced settings.

Cannabis & Marijuana Merchant Accounts Info

Some businesses may not realize the credit card processing industry considers them high risk. That’s not the case with marijuana entrepreneurs.

Their industry is not legal on a federal level, with cannabis still considered a Schedule I drug. Even some companies specializing in high risk merchant accounts will not deal with those in the marijuana space.

Is it possible for your dispensary to accept credit cards for marijuana sales? The answer is no, because the issuing banks in the credit card networks do not permit it. It does not matter if marijuana is legal at the state level. Only federal legalization will change that fact.

How about debit cards? That answer is yes, but in order to accept debit card payments, a workaround is needed.

Such a workaround consists of installing a terminal at the point of sale that serves as an ATM. Customers then pay by running their Visa or MasterCard debit cards through the terminal. Unlike credit cards, a customer cannot spend more for items than the funds accessible in their debit card account.

Other options for marijuana businesses include secure Automated Clearing House (ACH) and eCheck processing. As with debit cards, only the customer’s accessible funds are transferable for payment.

Keep in mind that while retail cannabis dispensaries with a good track record and high processing volume may receive high risk merchant account approval, it’s more difficult when it comes to eCommerce dispensaries or new enterprises. It’s not impossible, but it is harder. Perhaps the day is coming sooner rather than later that marijuana is legal nationally, as it is in Canada, and more marijuana retailers have access to high risk merchant accounts.

Cannabis Credit Card Processing Info

A merchant account is a specific type of bank account that allows merchants to accept payments. Typically, a merchant account is used for credit card processing and eCheck processing but can be used for a variety of payment processing needs. To get a merchant account, one must submit an application with a merchant account provider.

These merchant account providers work with acquiring banks, such as Chase and Wells Fargo, to provide merchant accounts to businesses looking to process credit card payments.

There are multiple types of merchant accounts depending on how the bank categorizes the industry of the merchant. If the merchant account is used for card not present (CNP)or ecommerce transactions then it must be integrated with an online payment gateway. Otherwise, a physical terminal is required to capture payment information.

Why Easy Pay Direct?

We pride ourselves on making your life easier and facilitating the growth of business across the globe. We have been doing this successfully for years and have helped countless businesses achieve their full potential, just check out some of our testimonials. More importantly, Easy Pay Direct would love to play it’s part in helping you achieve your goals and service your consumers smoothly. if you’re interested in working with us, you can start your EMAP  application below or call us at: (800) 805-4949 | Get Set-up with a Merchant Account »

Cannabis and Marijuana Credit Card Processing FAQs

Can cannabis businesses accept credit card payments?

Yes, cannabis businesses can accept credit card payments, but it can be more challenging to obtain a merchant account due to the unique legal and regulatory environment surrounding the cannabis industry. Many traditional merchant account providers are hesitant to work with cannabis businesses, but there are specialized providers that offer merchant services to the cannabis industry.

Is it difficult to get approved for a cannabis merchant account?

Obtaining a cannabis merchant account can be more challenging compared to a regular merchant account, as the cannabis industry is considered high risk due to the complex legal and regulatory environment. However, as long as you have a well-established business and can demonstrate a good credit history, it is possible to get approved for a cannabis merchant account.

Are there any additional fees associated with a cannabis merchant account?

There may be additional fees associated with a cannabis merchant account, such as higher processing fees or a higher monthly account fee, to cover the additional risk associated with the industry.

Can I use a regular merchant account for my cannabis business?

Technically, you can use a regular ecommerce merchant account for your cannabis business. However, you may be at risk of having your account suspended or terminated if you do not disclose that you are operating a cannabis business. It is always best to be upfront with your merchant account provider about the nature of your business.

What is the process for setting up a cannabis merchant account?

To set up a cannabis merchant account, you will need to apply with a merchant account provider that specializes in serving the cannabis industry. The provider will review your application and determine whether to approve you for an account. You may be required to provide additional documentation, such as your business license and credit history, as part of the application process.








Merchant Accounts FAQ

If you want to know more about payments, pricing, or solutions to problems you are experiencing, we are always ready to help you.

What industries does Easy Pay Direct work with?

Easy Pay Direct specializes in high risk payment processing but we also work with mid risk and low risk companies.

Here is a short list of some business verticals we service:

  • Antiques & Collectibles
  • Apparel & Clothing
  • Bad Credit
  • Bus Lines
  • Cannabis Support Businesses
  • Caterers
  • CBD Oil & CBD Products
  • Continuity Products and Subscription Boxes
  • Credit Repair
  • Credit Monitoring
  • Debt Collection
  • Digital Streaming
  • Document Preparation
  • Fantasy Sports
  • Firearms & Ammunition
  • Furniture & Home Furnishings
  • Health & Beauty
  • Hotels & Lodging
  • Insurance / Warranty
  • Legal Services
  • Magazine Subscriptions
  • Medical Billing & Coding
  • Medical Supplies
  • Membership & Recurring Billing
  • MLM Companies
  • Transportation & Moving
  • Non-Profit
  • Nutraceuticals
  • Pawnbrokers & Pawn Shops
  • Pet Products
  • Precious Metals
  • Property Management
  • SaaS Companies
  • Seminars & Coaching
  • SEO / SEM / Ad Agency
  • Smoking Accessories
  • Sports Betting
  • Survivalist & Tactical Gear
  • Telemedicine
  • Tobacco & Cigar
  • Travel & Timeshare
  • Vape / e-Cig / eJuice
  • Veterinarians
  • Web Design & Development

Why is my business considered high risk?

“High Risk” is a banking industry term. It’s important to note that there are many business models that are seemingly low risk, but fall into the high risk category.

There is nothing wrong with being considered high risk and there are many factors that contribute to risk.

When a consumer buys an item with a credit card, they are given 6 months from the date of receiving the item to dispute the charge.

If your business is no longer operating, who do you think has to refund that money? The processor. This is where risk is created.

Certain businesses, marketing models, and industries have a higher rate of chargebacks, where they get labeled as high risk.

Even if your business is perfect, has never had a chargeback, and operates 100% “by the books”, you could be labeled high risk if you’re business or industry falls into a high risk category.

There are 3 main reasons a business can be considered high risk.

  1. The business has a greater chance of chargebacks occurring
  2. The business model may be new or legally regulated
  3. The business accepts a high number of card not present transactions (over the phone, email, eCommerce)

Do you provide merchant account services outside of the USA?

Yes, we also offer EU merchant account services.

Can my startup or new business be approved?

We have worked with many new brands and start-ups to get them approved and running. However, banks like to see a long history of transactions and an established history with a merchant before approving them.

But, that does not mean we can’t get you approved. Reach out to us today and we will walk you through your options.

How long does it take to get approved for a merchant account?

Once all of the necessary documents have been received, it typically takes 1-4 days to get approved.

Occasionally accounts can be approved in less than 24 hours, our team will work as quickly as possible to get your account up and running.