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Best Merchant Accounts for CBD Processing, Business, and Sales

  • Phillip Parker
  • Credit Card Processing
  • February 1, 2022
FTC & Advertising Disclosure

We take great pride in providing one of the only objective an unbiased merchant account review websites on the internet. To support this enormous responsibility we earn some of our revenue through affiliate fees and advertising. These revenues in no way influence our ratings or reviews. Learn more about our monetization policies here. 

CBD Credit Card Processing Has Arrived

Cannabidiol oil (also known as “CBD” or “CBD oil”) is a derivative of the cannabis plant that has been shown to have the potential to treat certain ailments such as seizures, nausea, inflammation, and anxiety. It is extracted from low-THC strains of cannabis to form a non-psychoactive oil that can then be stored in capsules for accurate dosing. Cannabis is currently a Schedule I drug in the United States, which makes it illegal according to federal law. However, partially because of CBD oil’s possible medical value, states are beginning to legalize the production and sale of this substance. As a result, CBD business owners are scrambling to find a CBD payment processor that can process merchant account payments.

CBD Merchant Services Are Still Evolving

Few merchant processors accept CBD businesses and their ability to provide merchant services to the CBD industry changes frequently and without notice. There are even fewer CBD credit card processors that we would recommend based on their pricing, transparency, and customer support. Most sellers of this product should be prepared for higher-than-average credit card processing rates due to the elevated risk associated with their industry.  Businesses serving this industry may also encounter rolling reserves or occasional funding holds. However, the security and convenience that comes with accepting credit cards at your CBD business may make it worthwhile. If you are a vendor or CBD business who is hoping to open a CBD merchant account, be aware that we will continually update the list below with providers that have signaled that they may be able to process card payments such businesses. Please keep in mind that CBD merchant processing is an ever-changing landscape at this time, and that major banks have been known to purge CBD businesses from their portfolios  unexpectedly.

Proceed With Caution To Avoid Processing Scams

We have received reports from victims of merchant account scams that have resulted in losses totaling tens of thousands of dollars. In a few cases these business owners have even reported losses in the hundreds of thousands. In nearly every case, the victims are led to believe that a merchant account provider can process credit card transactions for cannabis products over and above CBD products. These “processors” falsely categorize a CBD business as another business type, such as a convenience store, collect a month’s worth of transactions and then disappear with the business’ money. There is no recourse for the business may face large fines from the card processing networks. Most scammers claim to be “off-shore” providers that do not subject you to the same restrictions as domestic credit card processors. We recommend avoiding off-shore providers.

Also see our list of the Best merchant accounts for hemp products.

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Our Top Picks for U.S. CBD Merchant Services

PaymentCloud Company Logo

PaymentCloud

See Our Full PaymentCloud Review
  • Fast approval for numerous "high-risk" industries
  • Broad product and service offering
  • Highly praised customer support
View Pricing
Sales & Support:
(888) 506-7859
★ ★ ★ ★ ★

Now Accepting CBD

Currently, PaymentCloud is our top recommendation for talking card payments as a CBD business. As of the writing of this post, PaymentCloud is currently approving CBD and Hemp merchant accounts. Besides the ability to approve these businesses, PaymentCloud is one of the best rated processors in the merchant services industry.

About PaymentCloud

Based in Woodland Hills, California, PaymentCloud is a merchant account provider that specializes in serving high risk business types, including CBD sellers. The company’s products and services include point-of-sale solutions, mobile phone credit card readers, online payment gateway and virtual terminal, EMV-compatible terminals, and merchant cash advances.

PaymentCloud provides a dedicated account rep to all new customers for the life of the account. The company has not received any negative reviews on consumer forums and it customizes its pricing according to each customers’ business type and processing history. The BBB does not maintain a profile for PaymentCloud at this time, but CPO gives the company an “A” in our review of the company

For more information, visit the PaymentCloud website or call (888) 506-7859.

PaymentCloud Company Logo

Contact PaymentCloud

Website: paymentcloud.com
Phone: (888) 506-7859
View Pricing
eMerchant Broker Logo

eMerchant Broker

See Our Full eMerchant Broker Review
  • Maintains numerous banking partners
  • Can get approvals for international businesses
  • Top-rated in "high-risk" industry satisfaction
View Pricing
Sales & Support:
(877) 301-3442
★ ★ ★ ★ ★

Domestic and Offshore Processing Options

eMerchantBroker is a Los Angeles, California-based company that offers high risk e-commerce processing solutions including CBD oil merchant accounts. The company’s products include credit card processing, ACH processing, an online payment gateway, merchant cash advance, and a chargeback management system to help merchants dispute and resolve chargeback claims. eMerchantBroker can place CBD sellers with both domestic and offshore banks.

About eMerchantBroker

eMerchantBroker offers custom pricing for each merchant and maintains a low complaint rate relative to its size and merchant portfolio. Our review of eMerchantBroker gives the company an “A” rating overall and the BBB assigns the company a rating of “A+.”

For more information, see the eMerchantBroker website or call (877) 301-3442.

eMerchant Broker Logo

Contact eMerchant Broker

Website: emerchantbroker.com
Phone: (877) 301-3442
View Pricing
host merchant services logo

Host Merchant Services

See Our Host Merchant Services Review
  • Fast approval for most industries
  • No contract or cancellation fees
  • Highly rated customer support
View Pricing
Sales & Support:
(888) 727-4538
★ ★ ★ ★ ★

Cost-Effective CBD Processing

Founded in 2012, Host Merchant Services is a Newark, Delaware-based merchant account provider that serves both standard and high risk businesses. Host Merchant Services offers an online payment gateway and virtual terminal as well as EMV-compliant payment processing equipment for face-to-face purchases. The company is currently able to serve CBD oil merchants but is unable to place marijuana and paraphernalia vendors at this time.

About Host Merchant Services

Host Merchant Services has received only positive feedback on public forums, with most reviewers singling out the company’s customer service for praise. Host offers interchange-plus pricing with no early termination fees to all of its merchants, meaning that users will enjoy the most transparent pricing model and can cancel service without penalty. The BBB gives Host an “A+” rating, and CPO also gives the company an “A+.”

For more information, visit the Host Merchant Services website or call (888) 727-4538.

host merchant services logo

Contact Host Merchant Services

Website: hostmerchantservices.com
Phone: (888) 727-4538
View Pricing
national processing credit card processing logo

National Processing

See Our Full National Processing Review
  • Top-rated choice for businesses that want Clover POS
  • Fast approval and next day deposits
  • Quick equipment deliver and 24/7 support
View Pricing
Sales & Support:
(385) 777-1235
★ ★ ★ ★ ★

Subject To Approval

Based in Lindon, Utah, National Processing is able to provide CBD merchant accounts for CBD companies that maintain a minimum sales volume.  Pending that approval, the company is capable of fulfilling the unique needs of CBD merchants. Though legal, CBD sales are designated as a high risk industry which can lead to a merchant being charged higher rates than are typically offered.

About National Processing

National Processing customizes its pricing depending on each merchant’s size, business type, and processing history. The company has earned an “A+” rating in our review as well as an “A+” rating with the BBB.

For more information, visit the National Processing website or call (385) 777-1235.

national processing credit card processing logo

Contact National Processing

Website: nationalprocessing.com
Phone: (385) 777-1235
View Pricing

If your company is capable of serving CBD merchants, please leave a comment below or get in touch with us directly.

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About The Author

Phillip Parker is a Payments Industry Analyst and creator of this blog, CardPaymentOptions.com. Phillip is passionate about researching merchant service providers and payment industry trends. He is often quoted as an expert source in national publications such as INC Magazine, The Los Angeles Times, Entrepreneur, and many others.

“I started this blog because I was disgusted by the business practices of the merchant services industry. I wanted to empower business owners by providing insight on how to avoid shady merchant account providers and costly credit card processing mistakes.” 

Phillip’s Processor Comparisons

Picking a credit card processor can be a headache, but we’ve made it easy. Phillip recommends comparing the best merchant services providers we’ve researched.

Audit Your Merchant Account

When was the last time you had your rates audited by someone who wasn’t also trying to sell you credit card processing services? We support this website by helping business owners understand how to cut their processing costs, either with a new processor or their current one. Learn more.

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How To Sync Payments With QuickBooks

The following merchant services providers offer either direct or indirect integration. Providers with direct integration offer solutions like payment gateways, plugins, or APIs that seamlessly transfer your transaction details and payment history from your merchant account to QuickBooks. Providers with indirect integration…

Read more >>>

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Before You Switch,
Audit Your Costs

Before you switch processors, audit your current processing costs to ensure that you save the most you can possibly save in fees.

Learn How >>>

5 Responses

  1. Donna Simon says:
    June 5, 2019 at 11:50 am

    EMB sucks. I had them for my CBD business and all went well till they decided not to do CBD anymore. They shut down my account and now are holding my money blaming it on Evolon. Last email I got yesterday said that they are waiting on some of the batch to settle. How is this possible as it usually only takes at the most 2 days. I do not recommend them and they charge way too much to handle my money. Ripp off.


    This post will help: Best CBD Merchant Accounts

    -Phillip

  2. Dan says:
    May 22, 2019 at 10:18 am

    Called every company listed and I own a Hemp CBD Business I was told by every single one that they do NOT work with hemp or CBD companies!

  3. Jan Dahlberg says:
    May 20, 2019 at 9:02 am

    You might want to check your facts.
    I just spoke to Melissa Daleske at PaymentCloud, and they are not doing any dealings with CBD businesses.

  4. Aleeya says:
    September 5, 2018 at 8:37 am

    Any ideas on how to get a business banking account that will do business with hemp based products like CBD Oil? I have a few high risk merchants willing to set up credit card gateways but they require a business banking account, which is the big hold up for me.


    From The Editor
    This Post Might Help: Best Merchant Accounts for Hemp

  5. SUE Holder says:
    October 31, 2017 at 10:29 am

    this is what I got after waiting 4 weeks
    From EMB
    Dear Valued Merchant,

    Touching base with you regarding your CBD merchant account application. As you are aware our current solution has been via Swift; an offshore bank. Your patience and loyalty throughout this process has been greatly appreciated. However, we regret to inform that our offshore solution via Swift has been cancelled and is no longer an option at this present time. This cancellation not only includes Swift but also, Pay2 and iCanpay.

    Please DISREGARD any emails approval/or otherwise from iCanpay as they are not a true processing solution for your SIC code and eMerchantbroker has not come into agreement with this company therefore we do not represent any of their practices or products.

    As always your business and time is our main priority therefore we would like to present our eCheck solution to assist with accepting electronic payments. This solution is more affordable and also can be integrated with Shopify, WooCommerce or Magento shopping carts. Please contact me directly for if you have any questions concerns or would like to get started with eCheck!

    Thank you,

Comments are closed.

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