Get a CBD Payment Processing Account with TailoredPay
A CBD payment processing solution such as TailoredPay allows you to accept payments with predictable payouts and no sudden account freezes.
Smooth payment processing for the CBD industry
TailoredPay's high risk merchant account services help CBD companies get paid with credit and debit cards easily and safely.
Use TailoredPay to process CBD payments and get:
- Approval based on your actual CBD products, not generic risk rules
- Banks that already service CBD businesses, understand CBD, hemp sourcing, and THC limits
- Lower risk of sudden account freezes or surprise shutdowns
- Clear compliance expectations around lab reports, labeling, and marketing + high data security
- Predictable payouts instead of rolling holds triggered without warning
- Support for CBD categories that mainstream processors decline outright
- Real underwriting review upfront, not silent monitoring after you start selling
- Help navigating card network rules that change often for CBD merchants
- Chargeback guidance specific to CBD transactions and customer disputes
- A processor built for high scrutiny industries, not a one-size-fits-all ecommerce
How to choose the right CBD merchant account
Choosing the right CBD merchant account is about avoiding surprises later. The wrong provider can approve you fast, then freeze funds or shut you down once sales start. Use the checks below to choose an account that supports long-term growth.
Look for real underwriting upfront
A reliable CBD processor reviews your products, sourcing, and compliance before approval. Instant approvals with no questions often lead to problems later.
Confirm CBD-specific experience
Your provider should already work with CBD merchants selling tinctures, gummies, topicals, or ingestibles. They should understand lab reports, THC limits, and card network rules without you having to explain them.
Prioritize payout consistency
Fast payouts mean little if funds can be held without warning. Ask about settlement timing, reserves, and what actually triggers a hold.
Check payment gateway and platform compatibility
Make sure the account works with your ecommerce platform, subscriptions if you offer them, and any fraud or checkout tools you use today.
Evaluate chargeback management
You want a processor that understands why CBD disputes happen and how card networks review them. Generic dispute handling often misses CBD-specific context, which leads to lost cases and higher chargeback ratios.
Security & privacy are
#1We use high levels of security & encryption standards to protect your data
How it works
Complete our free online application
E-sign the merchant processing agreement
Get approved and start processing
Questions? We can help
Call us at (888) 599-6482 or read our FAQ.
Solutions as unique
as your business
Set up your high risk merchant
account in 3 easy steps
Apply online within minutes
Complete our online application in less than 10 minutes. Secure and straightforward.
Get an instant quote
Once your application is submitted, an expert underwriter will review the details and provide an update within 24 hours.
Start processing
Our onboarding team will assist with the payment gateway setup so you can start accepting payments right away.
Apply for a high risk merchant account in under 10 minutes
and get approved within 24 hours.
Evaluate mobile payment support
You want mobile payment solutions that work reliably for CBD, including wallets and mobile friendly checkouts. Many standard processors limit or disable mobile payments for CBD, which can hurt conversion and trigger unexpected reviews later.
Evaluate support quality
You want direct access to people who understand CBD payments. Generic ticket support slows resolution when timing matters most.
Finding a CBD payment processor for Shopify
While Shopify's terms look a little hazy when it comes to CBD, there are many merchants successfully using this platform to distribute their wares. One thing's pretty certain, though—you'll have trouble with payment processing through Shopify's standard setup.
However, Shopify does permit selling to use a third-party payment processing service. TailoredPay offers this essential high-risk credit card processing service so that you don't have to choose between Shopify and CBD sales.
Risk levels for merchant processing
A credit card processing company may be wary of backing ventures that are deemed high risk. There's an assessment process, similar to the steps a bank would take when you ask for a loan. Certain industries are designated as risky for recieving credit card payments:
- Dating services and adult services
- Nutraceutical products such as dietary supplements
- Online gambling or casinos
- CBD and vape products
There are a few different reasons why any one of these areas would be considered risky. First, there's the subjective factor of reputation. With CBD merchant processing, some financial institutions simply choose to avoid processing “controversial” payments.
There's also the issue of fraud and chargebacks. High-risk merchants are more likely to have their charges disputed by customers. The credit card processor then must spend time and money researching the claim and possibly providing a refund.
Get started with TailoredPay today
Unlike traditional payment processors, TailoredPay specializes in high-risk industries. We're a payment processor experienced in industries such as CBD, nutraceuticals, dropshipping, recurring payments and 30+ other industries.
Frequently asked questions
1. Why is CBD considered high risk by payment processors?
CBD is considered high risk because rules vary by country, card networks apply extra scrutiny, and compliance mistakes can lead to fines or chargebacks. This causes many providers to treat CBD more cautiously than standard ecommerce.
2. Why do many traditional banks decline CBD businesses?
Many traditional banks rely on broad risk categories and automated reviews. If a product falls outside their comfort zone, they often decline it rather than assess the business in detail.
3. How does the right CBD merchant account help protect cash flow?
A CBD specific merchant account reduces surprise holds and shutdowns by approving your business properly from day one. That stability keeps payouts predictable and protects your cash flow.
4. What helps minimize chargebacks for CBD merchants?
Clear billing descriptors, accurate product descriptions, transparent refund policies, and early dispute alerts all help minimize chargebacks. A provider that understands CBD disputes makes a big difference.
5. What is the best payment processor for CBD businesses?
The best payment processor for CBD is one that supports your products, understands compliance requirements, and provides real fraud protection and chargeback support. Providers like TailoredPay are built specifically for this type of business rather than adapting general rules after the fact.
Solutions as unique as
your business.
