Get a CBD Merchant Account That Keeps Your Money Flowing
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What’s Standing in the Way Between You and a CBD Merchant Account?
CBD is thriving, but banks still hesitate. Traditional processors reject applications, freeze accounts, or hike fees, all because CBD is in a regulatory grey area. Here’s what you’re up against and how FastoPayments solves it.
CBD exists in a legal gray area. While the 2018 Farm Bill legalized hemp-derived CBD at the federal level in the U.S., states like Idaho and Nebraska still impose strict restrictions. Internationally, laws vary wildly: CBD is fully legal in Switzerland but banned in Albania. This patchwork of regulations scares off most processors.
How We Solve It: FastoPayments employs a dedicated legal team that monitors regulatory shifts in real time. We ensure your business adheres to THC limits (0.3% in the U.S., 0.2% in the EU), labeling requirements, and age verification mandates. Our compliance hub auto-updates with new laws, so you’re always audit-ready.
What You Get with a FastoPayment's CBD Merchant Account?
Fraud Prevention That Works
Global Reach, Local Expertise
CBD Payment Processing for Every Business Type
CBD Oils and Tinctures
CBD oils lead the market in anxiety relief, pain management, and sleep support. From full-spectrum tinctures to isolate drops, customers trust oils for daily wellness. Our platform handles complex oil processing through banks that understand CBD, from automatic prescription refills to wholesale orders.
CBD Edibles and Beverages
Gummies, chocolates, and infused drinks offer precise dosing for stress relief and relaxation. Our system processes edible sales through multiple banking relationships, handling both D2C subscription boxes and wholesale orders. Support retail locations and online sales while maintaining perfect compliance across state lines. When promotional volumes spike, your processing scales automatically.
CBD Topicals and Skincare
Creams, balms, and serums deliver localized relief while supporting overall skin wellness. Our platform processes beauty sales through acquirers who understand CBD skincare. Handle recurring beauty boxes, support spa wholesale accounts, and maintain practitioner portals through one system. Scale your brand from local boutiques to national distribution without switching processors.
CBD Vapes and Smoking Accessories
Vaping offers fast-acting CBD relief for acute anxiety and stress. Our platform understands the unique challenges of vape processing. We maintain relationships with acquirers who handle vape transactions, process age verification automatically, and support both retail and distribution.
Full-Spectrum Products
Full-spectrum CBD delivers the entourage effect through multiple cannabinoids working together. These products demand sophisticated processing that adapts to different state requirements. Our platform handles everything from D2C sales to wholesale distribution through banking relationships that understand hemp.
Built for Processing at Scale
Our platform connects instantly with major shopping carts and POS systems like Shopify, WooCommerce, and Square. Custom API integration completes within days, not weeks. Keep processing through your existing setup while we handle the switch behind the scenes.
Beyond PCI DSS Level 1 certification, our platform combines advanced fraud protection with industry-specific tools. Real-time AI monitoring spots suspicious patterns instantly. Device fingerprinting tracks potential fraud attempts during sessions and automated AML and KYC checks run silently in the background.
Traditional CBD processors shut down accounts at the first sight of high volume. Our platform routes transactions through multiple forward-looking acquirers who understand the CBD industry. When one bank raises concerns, your payment continues through alternative paths. This multi-bank setup keeps you running during compliance reviews and volume spikes.
Support customers worldwide without complexity. Our platform processes 135+ currencies while handling cross-border compliance. Support local payment methods like iDEAL and SOFORT in European markets. Process through regional acquirers to maximize approval rates. Scale your CBD business internationally through one unified platform.
How to Get a CBD Merchant Account?
FAQs
Are CBD merchant accounts legal in all countries?
No, the legality of your account will depend on the country or region you operate in. When you apply for a FastoPayments account, we’ll let you know quickly whether you’re compliant or not.
Why can’t I use regular payment processors?
PayPal, Stripe, and traditional banks refuse CBD transactions. They’ll shut your account without warning if they detect CBD sales. We maintain relationships with banks that understand CBD, ensuring stable processing through multiple acquirers.
What payment methods can my customers use?
Most processors limit CBD to basic card processing. Our platform supports every major payment method your customers prefer. Process through Visa, Mastercard, and American Express while supporting local European options like SEPA, iDEAL, and SOFORT. Handle digital wallets, bank transfers, and alternative payments through one unified platform.
What happens if regulations change?
CBD regulations evolve constantly. Our compliance team monitors changes across markets in real-time. When new requirements emerge, your processing adapts automatically. From updated age verification protocols to new product restrictions, our system handles compliance shifts without interrupting your business.
How long does it take to get a CBD merchant account approved?
Again, this depends on your business details, documentation, and compliance with industry regulations, but if you meet all criteria, we can get you started within days.
What payment methods can I accept with a CBD merchant account?
With a CBD merchant account from FastoPayments, you can accept major credit and debit cards, digital wallets, and even alternative payment options like crypto, depending on your business needs.
How do you handle returns and refunds?
CBD returns require careful management. Process refunds instantly through our dashboard while maintaining detailed documentation for compliance. Support partial refunds, subscription cancellations and product exchanges automatically. And with our fraud prevention tools, you can track refund patterns to identify potential issues before they impact your bottom line.
What kind of volume can you handle?
From startup to enterprise, our platform scales automatically. Handle sudden volume spikes during promotions or seasonal peaks without slowdown. Our multi-bank infrastructure processes millions in transactions daily while maintaining sub-second response time. Support unlimited SKUs, manage multiple locations and process high-volume sales orders, all through FastoPayments.
How High are CBD Credit Card Processing Fees at FastoPayments?
At FastoPayments, we typically see fees in the ballpark of 2% to 4% per transaction for CBD merchant accounts. But the overall cost can vary quite a bit. It comes down to factors like which payment provider you choose, how we assess the risk of your business, your transaction volume, and the specific services you need.
When you work with us, we determine our rates by looking at your past processing history, the way you handle your sales, the countries where you do business, your overall sales volume, and even the nature of your products. It’s about finding a solution that fits your unique business needs, so you get the best possible processing rates without any surprises.
