Best Merchant Accounts for Kratom

Here is the illustration depicting the concept of Kratom merchant accounts, set in a modern, nature-inspired office.

Kratom Credit Card Processing Options Are Limited

Despite its surging popularity as an alternative treatment for chronic pain, opioid withdrawal, and mood disorders, kratom is facing increased regulation in the wake of a highly questionable FDA review. This development has made digital transactions incredibly difficult for kratom sellers and kratom consumers. Kratom merchants are finding it difficult to get acceptance through domestic banks that are willing to process kratom credit card processing transactions. To make matters more difficult, the kratom vendors who are lucky enough to find e-commerce kratom payment processing are usually unwilling to share their solution because they will lose their competitive advantage.

Does your merchant services company approve kratom sellers, or do you know one that does? Please tell us in the comment section below.

The Volatile Market of Kratom Payment Options

To open up kratom merchant services for everyone and help you find a payment option for your kratom business, we've created the following list of the best kratom merchant account providers. The providers on this list have proven track records in the high risk industry, specifically in the nutraceutical and e-commerce sectors. They also enjoy low complaint rates and provide live customer support to their merchants. In general, most sellers of kratom should be prepared for higher-than-average transaction rates due to the elevated risk associated with their industry, and they may also encounter rolling reserves or occasional fund holds.

Please keep in mind that kratom processing is an ever-changing landscape at this time, and that banks may alter their acceptance policies suddenly and without forewarning. The credit card processors on this list were known to approve kratom merchant accounts at the time of this writing, which can change on a daily basis without any notification to us.

How to Select the Best Kratom Credit Card Processor

If you're running a kratom business and looking for the best credit card processor, there are several factors to consider specific to the kratom industry in the USA.

Kratom's Legality

Kratom is legal in most states in the USA, but there are a few where it's banned or regulated. You'll need to ensure that your credit card processor is familiar with the laws around kratom in the states where you operate. Additionally, make sure that the processor is comfortable with handling transactions related to kratom sales.

High-Risk Industry

Kratom is considered a high-risk industry, meaning that credit card processors may charge higher fees or have stricter underwriting requirements. As such, it's important to look for a processor that specializes in high-risk industries, as they will have experience working with businesses like yours.

Payment Gateway Integration

Kratom businesses need to have a payment gateway that can integrate with their e-commerce platform. Look for credit card processors that offer easy integration with popular e-commerce platforms like Shopify, WooCommerce, or Magento.

Chargeback Protection

Chargebacks are a common issue in the kratom industry, so it's essential to choose a credit card processor that offers chargeback protection. This will help you avoid costly chargeback fees and protect your business from fraud.

Transaction Limits

Some credit card processors may have transaction limits for high-risk industries like kratom. Make sure that the processor you choose can handle the transaction volume of your business without any restrictions.


Finally, it's important to choose a credit card processor with a good reputation in the industry. Look for processors with positive reviews from other kratom business owners and a track record of excellent customer service.

In summary, when selecting the best credit card processor for your kratom business in the USA, consider the legality of kratom in your state, look for a processor that specializes in high-risk industries, ensure that their payment gateway can integrate with your e-commerce platform, choose a processor with chargeback protection, make sure there are no transaction limits, and choose a processor with a good reputation in the industry.

Top Picks for Kratom Merchant Services

eMerchant Broker Logo

#1 eMerchantBroker

eMerchantBroker is a Los Angeles, California-based company that offers high risk e-commerce processing solutions including kratom merchant accounts. The company's products include ACH processing, an online payment gateway, merchant cash advance, and a chargeback management system to help merchants dispute and resolve chargeback claims. can provide an offshore merchant account for kratom sellers, and it can also serve online medical suppliers that do not sell illegal services, do not use continuity-based billing, are not based in India, maintain high processing volumes, and are properly licensed.

Top Pick for Kratom Credit Card Processing 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+.”

Why eMerchantBroker is the Top Choice for Kratom Payment Processing

As a small business owner selling Kratom products, finding a reliable and secure payment processing solution can be challenging. Many payment processors are hesitant to work with high-risk businesses, including those in the Kratom industry. However, eMerchantBroker is a credit card processing service provider that specializes in high-risk merchant accounts, making them the top choice for Kratom payment processing.

Expertise in High-Risk Merchant Accounts

Kratom is classified as a high-risk product due to its regulatory status and potential for chargebacks. eMerchantBroker has extensive experience working with high-risk businesses, including those in the Kratom industry. They understand the unique challenges that these businesses face and have developed a comprehensive understanding of how to mitigate risk while providing reliable payment processing solutions.

Comprehensive Features for Kratom Payment Processing

eMerchantBroker offers a range of features that are specifically designed for Kratom payment processing. These features include chargeback protection, fraud prevention tools, and 24/7 customer support. They also offer a variety of payment processing options, including credit cards, ACH, and e-checks, making it easy for customers to pay for Kratom products in a way that is convenient for them.

eMerchantBroker is the top choice for Kratom payment processing due to their expertise in high-risk merchant accounts and comprehensive features for Kratom payment processing. If you're a small business owner in the Kratom industry and need a reliable and secure payment processing solution, eMerchantBroker is the provider to trust.

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

PaymentCloud Logo


Top Rated for Kratom Credit Card Processing

PaymentCloud is a top recommended credit card processor for kratom businesses. This provider specializes in hard-to-approve business types and can currently supply kratom merchant accounts, Hemp merchant accounts, and even CBD merchant accounts. PaymentCloud is also one of the top rated merchant services providers in the credit card processing industry.

Based in Woodland Hills, California, PaymentCloud is a merchant account provider that specializes in serving high risk business types. The company's products and services include point-of-sale solutions, mobile phone swipers, an online payment gateway and virtual terminal, EMV-compatible terminals, and merchant cash advances. PaymentCloud is a good option for kratom suppliers.

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

Why PaymentCloud is a Top Choice for Kratom Payment Processing

Payment processing can be challenging for businesses that sell Kratom products, as many merchant service providers consider Kratom a high-risk product. That's where PaymentCloud comes in. PaymentCloud specializes in high-risk merchant services and has experience in providing payment processing solutions for Kratom vendors.

Reliable and Secure Payment Processing Solution

Kratom vendors need a reliable and secure payment processing solution that allows them to accept credit card payments from their customers. PaymentCloud provides just that, with its secure and reliable payment processing solutions that comply with all the necessary regulations and standards. PaymentCloud's Kratom payment processing solutions are tailored to meet the unique needs of Kratom vendors and are designed to minimize chargebacks and fraud.

Hassle-Free Account Approvals

PaymentCloud also offers fast and hassle-free account approvals, which is great news for Kratom vendors who need to start accepting credit card payments quickly. Additionally, PaymentCloud's 24/7 customer support ensures that Kratom vendors receive help and support whenever they need it.

If you're a Kratom vendor looking for a reliable and secure payment processing solution, PaymentCloud is an excellent option. With its experience in providing payment processing solutions for Kratom vendors, PaymentCloud offers tailored solutions that meet the unique needs of Kratom vendors while complying with all necessary regulations and standards. With fast and hassle-free account approvals and 24/7 customer support, PaymentCloud is the top choice for Kratom payment processing.

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

Host Merchant Services logo

Host Merchant Services

Top Rated for Kratom Merchant Accounts

Host Merchant Services is a Newark, Delaware-based merchant account provider that is capable of serving most domestic high risk business types. The company's products and services include point-of-sale solutions, online marketing tools, an online payment gateway and virtual terminal, mobile credit card processing, gift and loyalty programs, merchant cash advance, and offshore merchant accounts. Host Merchant Services specializes in e-commerce businesses and provides a free website and email address to new merchants who require them.

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+.”

Why Host Merchant Services is the Ideal Choice for Kratom Payment Processing

As a small business owner who sells Kratom products, you need a reliable credit card processing service that understands the unique challenges of your industry. That's where Host Merchant Services comes in. With over a decade of experience in the payment processing industry, Host Merchant Services is the ideal choice for businesses selling Kratom products.

Specialize in High-Risk Merchant Regulations

Kratom is a controversial product that has faced several regulatory challenges in recent years. Many payment processors are hesitant to work with Kratom vendors due to the high risk of chargebacks and legal issues. However, Host Merchant Services is different. They understand the intricacies of Kratom payment processing and have a specialized team that can help you navigate the industry's regulations.

Secure and Cost Effective Payment Gateway

With Host Merchant Services, you can accept credit and debit card payments from your customers with ease. Their secure payment gateway ensures that all transactions are processed safely and securely, protecting both you and your customers. Plus, their competitive rates and transparent pricing make them a cost-effective solution for small businesses.

Host Merchant Services is an excellent option for Kratom payment processing. They offer a comprehensive solution that is tailored to the unique needs of Kratom vendors, with a specialized team that can help you navigate the complex regulatory landscape. With their secure payment gateway and competitive pricing, you can accept credit card payments from your customers with confidence, knowing that your business is in good hands.

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

Additional Options

national processing logo

National Processing

Based in Lindon, Utah, National Processing is a merchant account provider that serves both standard-risk and high risk merchant sectors. The company offers a wide range of retail and e-commerce solutions for most business types, including adult, auto parts, collections, credit repair, diet programs, e-cigarettes, electronics, extended warranties, fantasy sports, financial services, firearms, online furniture sales, multi-level marketing, nutraceuticals, online gaming, precious metals, self storage, and travel. National Processing's treatment of numerous high-risk industries makes it a good choice for kratom merchant accounts.

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.

Kratom Payment Processing Made Easy with National Processing

National Processing is an excellent option for business owners who sell Kratom products and need to accept credit card payments from customers who are buying Kratom products. Kratom is a controversial herbal supplement, and many credit card processors refuse to work with businesses that sell Kratom. However, National Processing has a history of providing payment processing services to Kratom merchants and understands the unique challenges associated with this industry.

Expertise in Kratom Compliance

One of the main advantages of National Processing for Kratom payment processing is their experience in the field. They have a thorough understanding of the legal and regulatory issues surrounding Kratom and work with merchants to ensure compliance. This means that business owners can rest assured that their payment processing is secure and legitimate. National Processing also offers competitive rates and transparent pricing, so business owners know exactly what they are paying for.

State of the Art Technology

National Processing's technology is another reason why they are an excellent option for Kratom payment processing. Their systems are designed to handle high-risk transactions, which is essential for Kratom merchants who often face chargebacks and fraud. Additionally, National Processing's payment gateway is user-friendly and can be integrated into a merchant's existing website, making it easy for customers to make purchases.

National Processing is a top choice for Kratom payment processing for small business owners. They offer expertise, competitive pricing, and reliable technology that can help merchants navigate the unique challenges of selling Kratom products. If you are a Kratom merchant looking for a secure and efficient payment processing solution, National Processing is definitely worth considering.

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

Frequently Asked Questions: Kratom Credit Card Processing

What is a merchant account?

A merchant account is a type of bank account that allows businesses to accept payments in multiple ways, typically debit or credit cards. It acts as an intermediary between a payment portal (like a website or physical credit card terminal) and a bank.

What is Kratom?

Kratom is a tropical tree native to Southeast Asia, with leaves that contain compounds that can have psychotropic (mind-altering) effects. It is not currently illegal and has been easy to order on the internet. It is often sold as a green powder in packets labeled “not for human consumption.”

Why is it difficult to find a merchant account for a Kratom business?

Kratom is categorized as a “high risk” industry by most credit card processors due to its legal ambiguity, the potential for chargebacks, and the reputational risk. Many payment processors thus refuse to offer merchant accounts for Kratom-related businesses.

What should I look for when searching for a merchant account for my Kratom business?

Look for a high-risk merchant account provider that specifically serves businesses in your industry. The best provider will offer reasonable rates, reliable customer service, and robust fraud prevention measures. It's also important that they have a good understanding of the legal landscape surrounding Kratom.

Are there merchant account providers who cater to high-risk businesses?

Yes, there are numerous merchant account providers who specialize in high-risk businesses. These providers understand the unique challenges and regulatory environment of high-risk industries like Kratom.

How can I find these high-risk merchant account providers?

 You can start with online research using keywords like “high-risk merchant accounts,” “Kratom merchant accounts,” or “merchant accounts for high-risk businesses.” You can also consult with industry peers, participate in industry-specific online forums, or seek advice from industry-specific consultants.

Are there any specific providers known to serve Kratom businesses?

It's best to do your own research and directly contact potential providers to confirm if they can cater to your Kratom business. some specific prividers are eMerchantBroker, Host Merchant Services, National Processing and National Processing.

What are the typical fees for a high-risk merchant account?

High-risk merchant accounts typically charge higher fees than standard ones due to the increased risk they're taking on. These can include setup fees, monthly fees, transaction fees, and reserve fees. The exact amounts can vary widely depending on the provider and the specific risk profile of your business.

What is a chargeback and how can I prevent them?

A chargeback is when a customer disputes a charge from your business and requests their bank to reverse it. High chargeback rates can lead to your merchant account being closed. To prevent chargebacks, ensure clear communication with customers, offer excellent customer service, and use fraud detection tools.

Can I accept payments for Kratom through PayPal, Venmo, or Square?

Many popular payment processors like PayPal, Venmo, and Square do not allow Kratom sales. Always check the latest terms of service of any payment processor before deciding to use them for your business.

Reader Comments

Tell Us What You Think

2 User Reviews

  • Adam Gill

    I wanted to take a moment to express my deep gratitude for the insightful and comprehensive piece you penned on “Best Merchant Accounts for Kratom”. It was not only illuminating but also extremely helpful in making me understand this complex landscape better.

    Your in-depth analysis of each merchant account, their benefits, drawbacks, and unique features was simply commendable. The clarity and precision in your writing made it easier for me to make informed decisions about my business. The guidelines you provided about the potential legal nuances, coupled with your careful selection of reliable merchant service providers, were exactly the insights I needed to maneuver through this tricky terrain.

    The way you meticulously broke down the process, fees, customer service aspects, and security features helped me see beyond the general market noise. Your article is a beacon of light in the often confusing and ambiguous world of Kratom merchant services.

    It is evident that a lot of research, time, and effort went into creating this valuable resource and I couldn’t be more thankful. You’ve greatly demystified the process of choosing a Kratom merchant account, and I believe many other business owners like myself have benefited greatly from your work.

    Thank you again for your outstanding contribution to this subject matter. Your hard work is genuinely appreciated.

  • josh

    Hey there,

    Just wanted to drop a quick note to say thanks for your recent post on the “Best Merchant Accounts for Kratom”. As someone running a small Kratom business, it’s tough to find clear, straight-shooting advice on setting up merchant accounts. Your article was just the resource I needed.

    I really appreciate the effort you put into breaking things down and explaining the pros and cons of each option. I’ve been struggling to find a merchant account that meets my needs without breaking the bank, and your article provided some great options I hadn’t even heard of.

    I’ll definitely be using your guide as a reference point as I make my decision. This sort of advice makes all the difference for folks like me who are just trying to navigate the complexities of the Kratom business.

    Keep the good stuff coming!

Tell Us How They Treated You

Sharing your experience influences our rating and helps other business owners make informed decisions. Promotional content and contact information will not be published. Please provide a detailed summary of your experience.


Copyright © 2024, Inc. (Digital Fingerprint: 0d38c6720f0d78a701b74d58653af608). Getting paid to re-write this page? Click here to earn a reward.

Any unauthorized copying and reproduction of the content of this page, including all meta data and computer code, is strictly prohibited. While the information in the above article is believed to be accurate as of its publish date, the author and publisher make no representation or warranties with respect to the accuracy, applicability, fitness, or completeness of the contents. The author and publisher shall in no event be held liable to any party for any direct, indirect, punitive, special, incidental or other consequential damages arising directly or indirectly from any use of this material, which is provided “as is,” and without warranties. Any and all use of trade names and/or marks are for identification purposes only and shall not be construed as a claim of affiliation, or otherwise, with, Inc. ("CPO") in any form. The sole purpose of the material presented herein is to alert, educate, and inform readers. It is not intended as legal or financial advice. We may earn revenue if you obtain services from a provider that we recommend. See this page to learn how we support our operations.