CBD Merchant Account

Looking for a CBD Merchant Account ?

As a CBD payment processor, iPayTotal works hand in hand with CBD merchants to protect their businesses from account closures, fraud, and chargebacks.

Have you tried to search “How to obtain a CBD Merchant Account” or “Hemp Merchant Account” and came up short? You are not alone. Although 100% legal, most banks and processors still do not board companies in this industry due to how CBD is cultivated.

Online CBD, hemp, and marijuana oils stores have opened up a new global market. But the real problem lies when it comes to accepting payments online in CBD products stores . Banks are still on a long rocky road to working with businesses specializing in marijuana for CBD Payment Processing. The problem is many banks still worry about getting in trouble with the law for providing financial services to the CBD industry. They also don’t want to bother taking part in the extra resources needed to make it legal .It’s possible for banks to take part in legal states, but will they take on an industry that they still deem risky?

For those of us in the CBD industry, it’s still a dilemma on how to create decent commerce in selling hemp products.for CBD Payment Processing are considered to be high risk in the online merchant account world due to the nature of how the oil is cultivated; this sends the banks and lenders an immediate red flag and your CBD oil merchant account is deemed as a high risk right from the get-go. This doesn’t mean you’re out of luck when it comes to eCommerce and payment processing online (also known as card-not-present transactions), it just means that you need to choose the right company to handle all your needs for CBD merchant processing and CBD merchant account solution.

Getting the proper CBD merchant account solution can be difficult to find, and while the CBD oil business has propelled into a billion-dollar industry, we understand that the best way to expand your market is to share your services and products via an online presence.

Acquiring banks are uncertain of CBD payment processing in view of its link to marijuana. The hemp plant is comprised of cannabidiol (CBD) and THC. While THC is the psychoactive, painkilling compound in marijuana, CBD is a pain reliever with minuscule amounts of THC. The association itself is sufficient to drive away certain acquiring banks. Our acquiring banks accept CBD Merchant Account with the correct criteria.

By accepting CBD Payment Processing online , the merchant would now be able to serve a global clientele with established systems for cannabis payment processing. The CBD Merchant Account system will calculate currency differences and allow transactions to happen twenty-four hours a day. This will result in increased sales and profits for CBD merchants.

Some of the features of your CBD merchant account include:

  • Multi-bank processing (including off-shore)
  • Secure payment gateway
  • Chargeback alerts
  • Chargeback disputes
  • ACH/Check 21 processing
  • Fraud prevention and protection
  • Competitive processing rates (below 6%)
  • Proof the merchant can produce at least $1,500 every week in sales.
  • Four to six months of payment processing history with banking statements showing company name, total sales, chargebacks, and refunds.
  • Endure a 10 percent rolling reserve

At IPAYTOTAL, we work with organizations who legally and ethically source CBD products, we won’t work with organizations that fall outside of law and compliance guidelines. The company will be evaluated while applying with any of our accomplices; business location, the source of supply, shipping and sales, location restrictions and the law of origin and location of intended sale.

iPayTotal is a CBD payment processor that provides CBD merchants with premium high-risk merchant services. We utilize a variety of processing techniques to ensure that CBD merchant processing is a smooth and simple process for our high-risk CBD Merchant Account.

Of all the challenges that the CBD industry faces the most potent and powerful is the Drug Enforcement Administration who blanket cannabinoids as schedule 1 narcotics. This is based on assumption that all cannabinoids are extracted from a female cannabis sativa plant. However the CBD that is circulating the market in large is mostly from industrial hemp plants. The CBD being purchased from a state that does not have legal marijuana is being produced from these industrial hemp plants, which grow legally under federal and state law.

With marijuana being federally illegal and CBD being left in an unknown legal status national level banks are more wary to work with the industry- which causes complications for both business owners and local economies. The banks are concerned about transferring money from hemp or marijuana from one state to another, as this is a violation of federal law. Many involved in the process have had to find other resourceful avenues. A large portion of the industry still works with cash only and many are looking into using crypto currency as its prominence also rises. However, the bank industry is beginning to find ways to legally work with hemp based businesses. It is a slow transition, but a very welcome one for CBD Payment Processing.

As we’ve watched this growth, we noticed a severe lack of CBD Merchant Account options, that were not risky Offshore solutions. Payment Processors and Banks have traditionally stayed away from the industry, turning down business owners seeking to make a presence online. Many resorted to using payment platforms, like Stripe or Pay Pal only to be shutdown a short time later. To be truly successful in the CBD space online, you need a reliable, long term merchant account solution for CBD Payment Processing.

As a CBD payment processor, iPayTotal works hand in hand with CBD merchants to protect their businesses from account closures, fraud, and chargebacks. We offer award-winning fraud and chargeback protection and have strong relationships with over 40 banks who work with high-risk CBD merchant accounts both in the United States and offshore.

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The experience with iPay Total Ltd. is a very good experience in an overall perspective. Nice and helpful staff, a lot of support during the process of processing transactions, and also good territorial coverage are the most important positive features of this provider (although they are still working on widening of the same).

Michał Telka
Chairman, Bluewater Corp

Is CBD Legal?

CBD’s high risk, combined with the fact that marijuana remains illegal at the federal level, makes the task of accepting online payments fairly restrictive for sellers.

“Marijuana-derived” CBD is not legal at the governmental level. “Marijuana” or “cannabis” as it is more commonly known is a part of the cannabis family, just like hemp. The difference is that cannabis grows with more than 0.3% THC; the plant’s psychoactive element.

Confusion between the two plants has caused controversy among hemp business owners who have struggled to find processing solutions that are willing to accept online ecommerce payments for CBD-containing products.

Even if your ecommerce business specializes in the sale of hemp-derived CBD, you will still need to seek out a reputable CBD payment processor that is equipped to handle high-risk transactions.

What about other kinds of CBD?

The .3 percent rule draws a fine regulatory line. Both marijuana and marijuana-derived CBD are still classified as schedule I drugs by the FDA, and remain in a transitional period as different states adopt their own regulations for the many different forms of them.

Marijuana-derived CBD, which contains more than 0.3 % THC, is allowed in the 10 states (plus the District of Columbia) that allow medical and recreational marijuana for consumers at least 18 years old.

Twenty-three states allow medical marijuana and marijuana-derived CBD, but have not legalized them for recreational use. A smaller group of states classify marijuana and marijuana-derived CBD differently, allowing CBD for specific medical purposes. So, there’s a lot to keep up with if you sell these products. You will always want to confirm local, state, and federal laws before you start selling CBD of any kind.

Marijuana-derived CBD businesses that sell online are implementing age verification software to comply with these different state regulations, and many use their own discretion and require the buyer to be at least 18 to buy hemp-derived CBD as well.


  • Multiple E-Commerce Gateway
  • Chargeback Prevention
  • ACH
  • E-Check
  • Credit Cards
  • B2B-Level II/III Data Discounts
  • 3D Secure Frictionless Checkout
  • Mobile Payment
  • Gateway Recurring Billing
  • Vault
  • ACH
  • E-Commerce Cart Plugins
  • Developer API / Docs
  • POS/Terminals
  • International Merchant Accounts
  • Dedicated Account Managers
    • 20+ Proven Bank Relationships
  • 20Medium/High Risk Accounts
  • 20Fast CBD Oil Account Approval
  • 20Large Merchant Case Studies
  • 20E-Commerce and Retail Options
  • 20B2B Vendors Supported

Looking for CBD Merchant Account

All iPayTotal high-risk CBD merchants are provided with a minimum of four banking solutions. Credit and debit card payments are disbursed across all accounts, which can benefit merchants in a number of ways.