Best CBD Payment Processor in 2025: Get Approved Without the Runaround
If you sell legal CBD, you’ve probably faced account shutdowns, vague rules, or payment providers that ghost you. Here’s how to get real payment processing that actually works — no rebranding or tricks required.
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Why Is CBD Considered High-Risk?
CBD is federally legal, but banks still treat it as a high-risk product due to the FDA’s lack of clear regulation and concerns over chargebacks, mislabeled products, and THC content. This means you can’t use typical processors like PayPal or Square.
Why Stripe and Square Don’t Work for CBD
- Stripe: Prohibits any CBD product with ingestible use (oils, edibles, gummies).
- Square: Requires CBD program approval and often shuts down without warning.
- PayPal: Doesn’t support CBD in any form and may freeze funds indefinitely.
Even if you’re transparent, these companies rely on algorithms that flag and shut down accounts automatically.
The Best CBD Payment Processor in 2025
High Wire Payments works directly with underwriting banks that specialize in CBD. Whether you’re selling tinctures, gummies, topicals, pet CBD, or even Delta-9 derived from hemp, you’ll get a compliant solution with:
- No rebranding or hiding what you sell
- Direct Authorize.net or NMI gateway setup
- Live human support and application help
- No contracts, no hidden fees
How to Get Approved for CBD Processing
- Submit your business details and product catalog
- Provide a Certificate of Analysis (COA) for your top SKUs
- List your ingredients and clearly display them online
- Wait 1–3 days for full underwriting and setup
Most merchants are approved within 72 hours. Our team can help you prepare documentation and navigate tricky compliance items upfront.
CBD Payment Processing FAQ
Do I need a COA?
Yes. A third-party Certificate of Analysis is required to verify THC content and legality.
Can I use Shopify or WooCommerce?
Yes. You can disable their default processor and use Authorize.net or NMI through a CBD-friendly provider.
What are the rates?
High Wire Payments offers interchange-plus pricing. Most merchants fall under 4% effective total.
Need a CBD-Friendly Payment Processor?
High Wire Payments has helped thousands of CBD brands get approved and stay online. We don’t play games with your business.
COA Compliance Help
We’ll walk you through what you need to get approved the first time.
Platform Support
Connect your new account to Shopify, WooCommerce, Wix, or BigCommerce.
No Volume Minimums
Great for new or growing brands — no sales history required.
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