CBD Merchant Accounts
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Do I Need CBD Merchant Services?

Market researchers believe that CBD could be a 16 billion dollar industry by 2025. 

In 2021, the United States hemp-derived CBD market will reach the milestone of having $5.3 billion in retail sales.

Although it has been almost 80 years since Cannabidiol, or CBD, was discovered as a potentially therapeutic molecule, there has been frenzied discussion about CBD products only recently. 

CBD and THC are two of the most prominent cannabinoids found in the cannabis plant with similar chemical makeup. 

CBD and THC both have 21 carbon atoms, 30 hydrogen atoms, and two oxygen atoms. 

The difference is that they do not have the same chemical arrangement, and the body receives them as different compounds. 

These compounds bind to neurotransmitters in your brain and can affect things like mood, sleep, and memory. 

For a very long time because of the general association with cannabis, CBD found itself shelved for research and popular usage as it was prohibited by Federal law. 

Since the 2018 Farm Bill was passed, separating hemp from the definition of marijuana under the Controlled Substances Act (CSA), there has been a proliferation of companies trying to establish themselves and their brands in the CBD and hemp space. 


This has posed distinctive challenges for merchants looking for CBD merchant processing services or merchant accounts. 

Unique regulatory challenges face CBD and cannabis companies when it comes to credit card processing.

If you are in the CBD industry and interested in accepting money for your products, brokerage, or raw materials, having an understanding of CBD merchant account services and payment processing is extremely important. 

Do You Want to Sell CBD Products?  

As more concrete research emerges to substantiate anecdotal claims and the world better understands the connection between CBD and health, there has been an explosion of CBD products on the market. 

In an era of heightened awareness surrounding the importance of prioritizing mental health, restful sleep practices, and pain management, CBD has piqued the interest of many people. 

Consumers are excited about the prospect of incorporating CBD into their wellness routines and businesses are excited at the idea of continued market growth.


It is estimated that close to 66% of all CBD sales in America are done online. 

Customers interested in CBD want to read reviews, product descriptions and compare prices all from the comfort and safety of their homes. 

Companies that understand this and prioritize intuitive, user-centric shopping experiences for their clients come out ahead of their competition. 

Like most business sectors, CBD merchants want to ensure that when it comes time to check out, their customers are met with a seamless experience that leaves the door open for more business. 

That way, everyone wins. 

It is exactly at the point of check out that things can get more complex for many CBD merchants. 

Many traditional banks and payment processors will not process CBD payments.

CBD is considered a high-risk industry (more on that later) and because of that, the effort that merchants have to go through to conduct CBD transactions legally is substantial. 

Researching high-risk merchant account providers and finding the right fit for your business is key to dodging financial predicaments and keeping your business running smoothly.

What are High-Risk Merchant Accounts?

CBD is in good company as a high-risk merchant. 

Businesses such as consultants, travel agencies, website development, event planning, gyms, tech support, and many more are also considered high-risk industries.

There are a multitude of factors that go into making an industry high risk. Some common factors include:

  • The industry is prone to chargebacks or disputes 
  • The industry is considered “new” or “emerging” 
  • Business creditworthiness
  • Accepting payments without a card being physically present commonly referred to as card-not-present transactions
  • Accepting payments for a product yet to be made or custom made
  • Operating a business exclusively online
  • High regulation in your industry ( CBD, cannabis, tobacco, alcohol) 
  • Renewal or subscription services where you bill customers on a revolving basis

Why is CBD Considered “High Risk” for Merchant Processing?


The CBD, cannabis, and hemp industries have an association with a highly regulated industry that is simultaneously evolving. 

It is far from being a “stable” industry due largely to constantly changing FDA regulations. 

If your CBD company is an ecommerce company, you are running card-not-present transactions, which is associated with increased fraud, chargeback, and disputed transactions. 

Even though CBD is legal in most forms throughout the majority of the United States, because of the legal complexities of an emerging industry in relation to cannabis, CBD is still viewed as a “high-risk industry.”


Another reason that CBD merchant accounts are high risk is the unpredictable nature of CBD.

As the testimonies of the benefits of using CBD are shared, customer expectations of these products are high. 

Claims that CBD products alleviate anxiety, are magic skincare solutions, or are the answer to your sleepless nights are hard to substantiate without the proper research. 

In that zone of ambiguity where a customer’s expectations are not met, it leaves both the business and their payment processor at a heightened risk for chargebacks and disputes.


As with any new and exciting product on the market, when CBD came onto the scene, there were immediately people who were eager to turn a profit.

Merchants who came into the CBD industry to make quick profits while they skimped on quality control and showed little regard for the reputation of their peers have done damage to the integrity of the industry also making traditional payment processors leery of working with CBD merchants.

Consumers of CBD and hemp-derived products are encouraged to do thorough research about sourcing, manufacturing, and business models. 


Empowered customers and established, reputable CBD companies have done all they can to share their expertise and encourage sound buying practices. 

Understanding what makes CBD a high-risk industry and the extra scrutiny that CBD merchants face helps put into perspective how important it is to partner with the right CBD merchant services provider. 

Seeking a knowledgeable, reputable, secure payment processor is instrumental to protecting your company from business halting payment issues.

Were You Turned Away for CBD Payment Processing?

You are not alone. 

Unique regulatory challenges facing CBD and cannabis companies when it comes to credit card processing have resulted in CBD merchants having difficulty finding the right credit card processor for their business. 

Very few credit card processors allow CBD companies to use their services or to be approved for merchant accounts. 

As the regulatory framework with the FDA gets worked out, the murky legal and banking procedures leave more “traditional” processors wary of taking on the risk associated with the CBD and cannabis industries. 


This has left many CBD companies scrambling to find reputable, reasonable merchant services. 

Many small businesses may first turn to popular payment aggregators such as PayPal or Stripe just to quickly find out they do not support any business associated with CBD. 

Merchants who make it through the all-too-easy process of setting up an account with one of these companies often find themselves at risk for sudden account closure once it is clear their business model includes CBD products. 

Merchants that have experienced the volatility of payment aggregators like PayPal or Stripe share similar stories of frozen accounts, including: 

  • The complete inability to touch their funds for up to six months.
  • Lifetime bans from the platforms. 
  • Nosedives in sales. 
  • Very little customer support. 

For many CBD merchants, these experiences were the worst-case scenario for them and their customers who rely on their products.

Does Easy Pay Direct Offer CBD Merchant Services? 


We have stood shoulder to shoulder with clients in the cannabis industry since 2010. 

We trusted the vision of our passionate customers and have navigated uncharted waters alongside them. 

We do not penalize your CBD business because CBD is considered a high-risk business.

With our years of experience in working with high-risk merchants for CBD merchant accounts and CBD payment processing specifically, we offer support to merchants selling the following CBD and Hemp products:

  • CBD Skincare
  • CBD Topicals
  • CBD pet products
  • CBD Tinctures
  • CBD Oil
  • CBD Ingestibles
  • CBD Drinks
  • CBD Supplements
  • CBD Capsules
  • CBD Concentrates
  • CBD Gummies
  • CBD sprays
  • CBD flower
  • Full Spectrum CBD products
  • Broad Spectrum CBD Products
  • Water Soluble CBD Products
  • CBD Vapes
  • CBD Resin
  • CBD Isolates
  • CBD E-liquid
  • CBD Distillate
  • CBD Crumble
  • CBD Oral Applicator
  • CBD Powder
  • CBD Extracts
  • CBD Smoke and Vape
  • CBD Paste
  • CBD Vape Pen
  • CBD Inhaler
  • CBD Shatter
  • CBD Patches
  • CBD Wax

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What Makes Easy Pay Direct the Best Option for CBD Merchants?

We understand your needs as a merchant in the CBD, cannabis, and hemp industries. 

We believe there is more to merchant services than just accepting credit card payments. 

Here’s a list of our Easy Pay Direct features and benefits we offer to our customers:

  • Process all major credit and debit cards (Visa, Mastercard, Discover, and American Express)
  • Ability to provide merchant success case studies
  • Experience with low, medium, and high-risk merchants
  • Easy, fast integration with many popular shopping cart platforms
  • Patent-pending load-balancing feature that allows merchants to process higher monthly payments
  • Proprietary payment gateway 
  • White glove customer service experience
  • Above and beyond PCI compliance
  • Retail swipe software option
  • Direct mobile payments 
  • Email invoicing, recurring billing, batch uploading
  •  Online payment forms to collect payments
  • International merchant account and payment processing capabilities
  • Competitive rates
  • No early termination fees 

Choosing a CBD merchant account service provider is an important decision for the success of your business. 

Easy Pay Direct understands the regulatory requirements, data security, and essential services your business requires.

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We are designed to make your life easier. 

There are no hoops to jump through to get your merchant account set up and functioning. 

We offer fully customizable payment solutions so that you are able to accept payments from your customers whether you are using physical card terminals or are in need of an online payment gateway. 

From the committed staff that will take care of you to the payment solution itself, we are here to help you. 

Our easy-to-navigate website, simple forms, and dedicated support team are set up to help your business thrive with reliable tools.

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  • Frank Kern Frank Kern

    “I am a very very happy client of Easy Pay Direct. Getting set up with them was really really simple and very very professional. I did not have to jump through a lot of hoops. The paperwork was done in a very organized fashion. Everybody was in touch with my team every single step of the way… I am very happy to recommend them to anybody under any circumstances”

    Check out Frank’s story here!

    Frank Kern Inc.
    Frank Kern
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    Thank you SO much for following up. It speaks volumes about how you guys do business over there for sure… 

    Emailability LLC
    Heather Seitz
  • Colin Egbert Colin Egbert

    “Besides getting us a great rate, they really helped us get our money released after we did a launch and had a bunch of money held. They are always quick to respond, always keeps us in the loop, and always shoot straight”

    Colin Egbert
  • Amzi Marsh Amzi Marsh

    “Easy Pay Direct is a user friendly system that when coupled with exceptional customer service – gives any business owner peace of mind. Big Thanks EPD!”

    Tu Accion En Vision
    Amzi Marsh
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