Specialty · CBD & Hemp
CBD is legal to sell. Processing it is the hard part.
Mainstream acquirers still decline hemp-derived CBD outright — not because your business is doing anything wrong, but because their underwriting won't touch the category. Programs built for it exist; the work is presenting your file the way they need to see it.
The reality
What placement actually takes.
Why you keep getting declined
Card networks classify CBD as high-risk and many banks prohibit the category entirely. A decline usually reflects the acquirer's policy — not your business.
Programs that underwrite the category
Through our partner network we work to place hemp-derived CBD merchants with programs that accept the category, including the registration and monitoring requirements that come with it.
A setup that protects the account
Honest billing descriptors, chargeback tooling, and product-page discipline keep an approved account approved — the goal is an account that stays open.
Straight answers on cost
Specialty pricing runs higher than mainstream retail. We'll show you the numbers plainly and work them down where the market allows.
What the underwriting file needs.
Underwriting lives on paperwork. Have these ready and the conversation moves fast:
- Business licensing and formation documents
- Certificates of analysis (COAs) for the products you sell
- Product pages free of medical claims
- Processing history — including any terminations, explained honestly
An honest read first: we'll tell you plainly how placeable your model is — before you fill out anything.
The solutions behind this playbook.
Start with the pieces most CBD & Hemp setups lean on:
Tell us your model.
A frank conversation before any application — placeability, cost expectations, and the path.