CBD & Hemp Oil Merchant Accounts

Credit Card Processing for CBD & Hemp Oil!

WE NOW HAVE LOW RISK PROCESSING SOLUTIONS FOR CBD & HEMP OIL!

Although CBD Oil has acknowledged medical uses and benefits with no psychoactive effects, CBD & Hemp Oil distributors and other industries related to Medical Cannabis have been denied both banking and credit card processing services by traditional banks due to the conflicts between state, federal, and international laws.

However, CyoGate has legitimate payment solutions for the CBD Oil, Hemp Oil and Medical Cannabis industry including both online and retail payment options with high rates of approval for qualified CBD Oil businesses.

In addition to our high risk credit card processing solutions, we now offer low risk merchant accounts for CBD oil and hemp oil sales with no reserve and 24-hour funding!

These solutions are ideal for medical cannabis dispensaries & collectives, delivery services, producers, retailers & distributors of CBD oil and paraphernalia, and other legal cannabis and hemp related industries.

Merchants must be legal businesses to qualify.

CBD & Hemp Oil Processing: The Regulatory Landscape

The 2018 Farm Bill federally legalized hemp-derived CBD with less than 0.3% THC, but banking and payment processing haven't caught up uniformly. Card networks and acquiring banks still apply discretionary policies, and many domestic processors decline CBD merchants by default to avoid compliance complexity. The result is that CBD businesses — even those selling fully legal, hemp-derived products — frequently find themselves turned away by standard merchant account providers.

CyoGate has developed relationships with processors who actively underwrite hemp-derived CBD, offering both standard-risk (no reserve, 24-hour funding) and high-risk account options depending on your product type, sales model, and processing history.

Low Risk vs. High Risk CBD Processing

Not all CBD businesses are treated equally by processors. Key factors that determine whether you qualify for low-risk vs. high-risk processing include:

• Product type — hemp-derived CBD (≤0.3% THC) qualifies for lower-risk underwriting; products with any THC content or that make medical claims face stricter scrutiny
• Sales channel — retail card-present sales are lower risk than online-only; online stores must have a compliant website with clear product descriptions, lab results (COA), and accurate labeling
• Business structure — established businesses with clean processing history qualify for better terms than startups
• Geographic restrictions — products must comply with state laws in all states where shipped; processors will review your shipping policy

What Processors Look for in CBD Applications

A successful CBD merchant account application typically includes: Certificate of Analysis (COA) from a third-party lab confirming THC content, product labeling that does not make unapproved medical claims, a privacy policy and clearly stated return/refund policy on your website, and state-compliant age-gating where required. CyoGate's team can walk you through the application requirements specific to your product line — contact us before applying if you have questions about compliance.

Chargeback Management for CBD Merchants

CBD subscription and continuity merchants face the same chargeback exposure as other subscription businesses — customers forget they enrolled, or claim non-receipt when a product is held at the border or delayed. Chargeback prevention monitoring is particularly valuable for CBD subscription sellers, intercepting disputes before they formally file and preserving your processing history.

For more information on CyoGate's CBD Oil & other MMJ payment solutions, please contact us today!

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Retail & Internet Merchant Accounts

An Internet Merchant Account is sometimes referred to as a "MOTO" (Mail Order & Telephone Order) Account because they all require the ability to process a credit card payment when there is no physical credit card present to be swiped. A standard retail "swipe" merchant account does not allow processing of these "card-not-present" transactions.

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High Risk Merchant Accounts

If the domestic banks are denying your merchant application because they believe your industry is considered high risk, CyoGate can help! We have an offshore network of merchant processing partners that enable us to provide low cost, high risk merchant solutions to a much wider range of businesses and industries.

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Internet Payment Gateway

The CyoGate Internet Payment Gateway offers one of the quickest and most cost effective ways to accept and process credit card and electronic check payments online. Our payment gateway works with most existing merchant accounts and supports hundreds of popular web shopping carts and eCommerce platforms.

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