MerchantGreatStripe/PayPal Rejected Your
CBD Business?
Get matched with CBD-friendly processors in 60 seconds
Durango, PaymentCloud, Paysafe • 78% Approval Rate
100% Anonymous Assessment
No business name required • Just CBD product type, volume & compliance docs
Free assessment • 60 seconds • Approval in 3-7 days
Why Stripe, PayPal & Square Reject CBD
Stripe Explicit Ban
Stripe prohibits ALL CBD sales regardless of THC content or Farm Bill legality. Even 0% THC hemp-derived products violate their Prohibited Business List.
PayPal High-Risk Flag
PayPal classifies CBD as "high-risk" with 180-day rolling reserves (they hold 180 days of sales). Most CBD merchants get limited or banned within 90 days.
Square Compliance Issues
Square requires extensive CBD compliance docs (COA labs, state licenses, supplier agreements). 90% of CBD applications get rejected or limited to $2K/month.
The Solution: CBD-Specialized Processors
Durango, PaymentCloud, and Paysafe specialize in CBD compliance. They understand Farm Bill 2018, state regulations, and COA lab testing. 78% approval rate for Farm Bill-compliant CBD merchants.
CBD-Friendly Processors Comparison
ML-predicted approval odds based on 2,847 CBD merchant applications
Durango Merchant Services
- Highest CBD approval rate
- No THC testing required if <0.3%
- $0-$10K monthly volume OK
- Higher rates than standard retail
- 10% rolling reserve first 6 months
PaymentCloud
- Fast approval process
- Bulk CBD & wholesale OK
- US & international processing
- Requires 6 months processing history
- 15% reserve if new to CBD
Paysafe (Vantiv)
- Lower rates for high volume
- Enterprise-level features
- Subscription billing support
- Requires $50K+ monthly volume
- Strict compliance documentation
Takes 60 seconds • Free forever • No signup required
CBD Merchant Account Requirements
What you need to get approved with CBD-friendly processors
COA Lab Reports (Certificate of Analysis)
REQUIREDRecent lab tests (<90 days) showing <0.3% THC for all products. Must be from ISO-certified lab.
Business & State Licenses
REQUIREDBusiness license, EIN, and state CBD/hemp license if required in your state. Check your state regulations.
Supplier Agreements
REQUIREDDocumentation showing your CBD source (Farm Bill compliant supplier, COA from supplier, wholesale agreements).
Processing History (If Available)
RECOMMENDEDPrevious payment processing statements showing volume, chargeback rate, refund rate. Not required but improves odds +12-18%.
Compliant Website
REQUIREDClear product descriptions, no medical claims, age gate (21+), terms & conditions, privacy policy, shipping policy.
Bank Statements
REQUIREDLast 3 months business bank statements showing revenue, expenses, and reserves.
Pro Tip: Merchants with all required docs get approved 3.2x faster (2-3 days vs 7-10 days) and receive better rates (4.5% vs 5.9%).
CBD Merchants We've Helped
"Stripe banned us without warning. Found Durango through MerchantGuard™. Approved in 4 days with COA labs and state license. Processing $23K/month now."
"PayPal held $47K for 180 days. Switched to PaymentCloud with MerchantGuard™'s help. No reserves after 90 days of good performance."
"Square limited us to $2K/month. Got matched with Paysafe for high-volume CBD. Now processing $87K/month with 3.9% rates."
CBD Merchants Matched
Approval Rate
Average Approval Time
CBD Payment Processing FAQ
Is CBD legal for payment processing?
Yes, hemp-derived CBD with <0.3% THC is federally legal under the 2018 Farm Bill. However, most mainstream processors (Stripe, PayPal, Square) ban CBD due to banking partner restrictions, not legality. You need specialized CBD-friendly processors.
What's the difference between hemp CBD and marijuana?
Hemp CBD contains <0.3% THC (federally legal). Marijuana contains >0.3% THC (federally illegal, state-legal in some states). Payment processors ONLY accept hemp CBD, not marijuana products, even in legal states.
Can I use Shopify Payments for CBD?
No, Shopify Payments (powered by Stripe) prohibits CBD. You can use Shopify with a third-party processor like Durango or PaymentCloud. Many CBD merchants use Shopify + external processor integration.
Why are CBD processing rates so high (4-6%)?
CBD is classified as "high-risk" due to: federal regulatory uncertainty, higher chargeback rates (1.2% vs 0.6% for standard retail), banking restrictions, and compliance overhead. Rates decrease with volume and clean processing history.
What if I get rejected by all CBD processors?
Rejections usually stem from: incomplete documentation (missing COAs), THC >0.3%, unlicensed suppliers, or high-risk business structure (offshore, sole proprietor). Fix these issues and reapply. Our specialists can review your application before submission.
Stop Getting Rejected by Stripe & PayPal
Get matched with CBD-friendly processors in 60 seconds
🌿 Get Your CBD Processor MatchNo signup • No credit card • 100% free • Takes 60 seconds
*AI matching based on 2,847 CBD merchant applications. Approval odds are ML-predicted estimates, not guarantees. Final approval depends on processor underwriting, compliance documentation quality, and business risk profile. We are an educational platform and do not submit applications or negotiate terms. CBD products must be hemp-derived with <0.3% THC and comply with 2018 Farm Bill. State regulations vary.