October 10, 2025
High Risk Payment Processing for Seeds and Clones
Cannabis and hemp breeders face one of the toughest financial barriers in the industry. Even though seeds and clones are federally legal under the 2018 Farm Bill, most processors still block transactions tied to cultivation products. Banks label this category as high risk because of the potential for THC production and the uncertainty of federal regulations.
High Wire Payments provides dedicated high risk payment processing for seed banks, clone nurseries, and breeders who need consistent approval and reliable funding. Our team works directly with banks that understand the genetics market and support compliant cultivation sales.
Why Payment Processing Is Difficult for Seeds and Clones
Mainstream processors like Stripe, PayPal, and Square prohibit transactions related to cannabis or hemp genetics. Even if your products contain zero THC, their compliance teams often freeze accounts without notice. Financial institutions consider any genetic material that can produce THC a regulatory risk.
Sellers using eCommerce platforms such as Shopify or WooCommerce face similar restrictions. These platforms integrate with gateways that follow federal payment guidelines, which means your account can be terminated without warning for selling seeds or clones.
How High Wire Payments Solves It
High Wire Payments partners with U.S. banks that support hemp and cannabis genetics. We underwrite your business correctly under cultivation and propagation categories to prevent shutdowns and ensure compliance.
Our merchant accounts connect seamlessly with WooCommerce, Wix, WordPress, GoDaddy, and custom sites. You can accept Visa and Mastercard, manage subscriptions, and monitor every transaction through your portal. We also integrate with gateways like Authorize.net and NMI for full online processing capability.
Benefits for Breeders and Nurseries
Dedicated high risk banking relationships
Full transparency with interchange plus pricing
No contracts or termination fees
Support for online seed and clone sales
Fast approvals and personal account management
Whether you run a small genetics project or manage a national nursery, High Wire Payments gives you the stability and compliance you need to scale.
Get Started
Reliable payment processing for seeds and clones begins here. Apply today to get approved for a merchant account backed by real experience in the cannabis genetics industry.
High Wire Payments is the best payment processor for seeds and clones.
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