Adativ Overview

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High Risk Specialists

Headquartered in the Channel Islands, Adativ ( is a merchant account provider that serves both standard and high risk business types. The company distinguishes itself from its competitors by openly advertising that it can process payments for CBD vendors and other extremely high risk industries.

Adativ CBD Requirements

The Adativ website clearly lists the company’s requirements for CBD merchants who wish to obtain payment processing:

1. Merchants should only be shipping to countries in which the products are legal. If a CBD merchant still wishes to ship to certain countries that ADATIV do not support, transactions from such countries will be blocked on our payment system. At present, transactions from the countries listed below will be blocked on our CBD payment processing solution. However, since international legislation is continuously changing the list may change: Australia, Brazil, Canada, China, France, Germany, New Zealand, Russia and Slovakia. CBD Merchants from the USA will be assessed on a case-by-case basis.

2. All products are to be in line with EU legislation, with THC levels below 0.2%. CBD Merchants will need to provide independent certificates that confirm the THC levels are within EU thresholds, and that the products are derived from industrial hemp.

3. CBD Merchant websites must clearly state that all products are extracted from industrial hemp.

4. Products and websites claiming to provide medical benefits will not be approved (e.g. products that claim to cure conditions or diseases etc.)

5. No subscription billing

6. EU company – we currently only work with EU Acquiring solutions for our custom built CBD payment processing solution. Therefore you will need an EU company to apply. We can assist you with incorporating your EU company.

7. Start-up businesses will be evaluated on a case-by-case basis but we do work with many start-ups.

Adativ Location and Ownership

Adativ is headquartered at Forum 4, Grenville Street, St. Helier, Jersey, and does not publicly list its partner banks. Adativ also does not publicly disclose the identities of its executive team.

Adativ Review Table of Contents

  • Costs & Contract: Adativ offers variable contract terms depending on each merchant’s business type, location, and processing history.
  • Complaints & Service: Adativ has received fewer than 10 public complaints.
  • BBB Rating: Adativ does not have a profile with the Better Business Bureau.
  • Sales & Marketing: Adativ does not hire independent sales agents and has not received any complaints about its sales practices.
  • Rates & Fees: How Merchants Got The Best Rates With Adativ
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Products & Services Offered

  • Debit and credit card processing
  • Card-present payment acceptance
  • Online payment processing
  • ACH processing

Types of Businesses Served

  • Retail
  • E-commerce
  • MOTO
  • CBD
  • Cryptocurrency
  • High risk

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Adativ Rates, Fees, and Costs

Key Points

Swiped Rate 1.00% - 4.99%+
Keyed-In Rate 1.00% - 4.99%+
Early Termination Fee Variable
PCI Compliance Fee Variable
Equipment Lease Terms Variable

Adativ Contract Terms

There is no publicly available information about the standard Adativ contract, but it’s likely that the company’s pricing will vary from merchant to merchant. It is entirely possible that standard-risk merchants could pay monthly minimum fees, PCI compliance fees, and early termination fees through the company.

Higher Risk, Higher Fees

The CBD industry is currently as high risk as they come, which means that payment processors who serve CBD merchants often charge high rates, require six-month rolling reserves, and enforce very strict chargeback limits. Hemp merchants who opt to work with Adativ should therefore expect more restrictive pricing and contract terms than standard-risk merchants usually receive.

No Red Flags

We cannot find any complaints about Adativ’s contract terms, which suggests that most of its users are satisfied. CBD and hemp merchants, however, should not expect Adativ’s pricing to compete with the cheapest merchant accounts. If you have any information about the standard Adativ agreement, please share it in the comment section below.

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Response from Adativ

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Adativ Complaints & Customer Reviews

Key Points

Total Online Complaints <10
Live Customer Support No
Most Common Complaint N/A

Clean Complaint Record

We are currently unable to locate any Adativ complaints, and there is no evidence to suggest that the company is a ripoff or a scam. This clean complaint record may be due to the short amount of time that the company has been operational. Low complaint totals are uncommon in the high risk space, as these types of processors typically rack up complaints about fund holds or cancelled accounts.

Adativ Lawsuits

We have not found any outstanding class-action lawsuits or FTC complaints filed against Adativ. Dissatisfied merchants who wish to pursue a non-litigious course of action against the company should consider reporting it to the relevant supervisory organizations.

Adativ Support Options

Adativ only provides a a general-purpose contact form and email address on its website. This falls short of our expectation of top-rated payment processors for great customer service.

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Response from Adativ

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Adativ BBB Rating Summary

No Profile Available

The Better Business Bureau does not maintain a profile for Adativ at this time. We therefore will not factor a BBB rating into this review.

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Response from Adativ

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Truth In Marketing & Advertising

Key Points

Employs Independent Resellers No
Advertises Deceptive Rates No
Discloses All Important Terms No

In-House Sales Team

Adativ appears to market itself primarily through web advertising and referrals. There is no evidence that the company hires independent sales agents, and we have seen no Adativ complaints that mention deceptive sales conduct or misleading rate quotes.

No Rate Quotes

The Adativ website does not list any misleading rate quotes or unrealistic guarantees. For now, we don’t see any reason to warn merchants against Adativ. However, if you believe that the company has misrepresented itself to you, you can double-check your monthly bill with a third-party statement audit.

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Response from Adativ

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Adativ Logo

Our Opinion of Adativ

A Viable Option for CBD and Hemp Vendors

Adativ rates as a solid credit card processing option for CBD merchants at this time. The company is uncommonly forward about its ability to serve hemp and CBD vendors, which suggests that it has reliable banking partnerships for handling these types of transactions. Our rating will be subject to change as we receive more feedback about this company.

We rely on your feedback about Adativ to keep this review accurate and up-to-date. Please take a minute to tell us about your experience. We and the small business owners of this world thank you!

Thank you for reading my review. I hope that it has helped you with your research.

Why I'm Qualified to Write About Credit Card Processing and Merchant Account Services

I'm a former credit card processing sales director who left the industry because I didn't like how it takes advantage of small business owners. It feeds like a leech on businesses and thrives by imposing fees that are nearly impossible to comprehend. Seeing a need for change, I left and built this website help business owners better understand the industry, research merchant services providers, and get refunds of excessive merchant account fees. My experience of working "behind the curtain" in the industry, and using that knowledge for good, has resulted in millions of dollars returned to hard-working small business owners as well as enterprise-level companies.

From the time that I starting working in the merchant services industry to when I left to create this website, I've been on the pulse of payments for nearly 15 years. It didn't seem fair to keep this "insider" knowledge to myself. To lift the fog, I've reviewed hundreds of companies, read thousands of user reviews, and learned the pricing tricks of every provider. If you have questions about credit card processing, you can find the answers on this website.

How I Can Help You

I specialize in helping businesses get refunds of excessive fees and have recovered $1,567,184 this year alone! Submit a recent statement below to find out if you are getting overcharged. I'll take a look at it for free. If I find fees that can be refunded, hire me on contigency. I only get compensated if I put money back into your pocket.

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