Payment Processing for HHC | HHC Merchant Account
Payment Processing for HHC (Hexahydrocannabinol)
Accepting credit cards for HHC is considered high risk. Our HHC merchant accounts are built for compliance, chargeback prevention, and scale—covering edibles, disposables, cartridges, and more.
Get Started with HHC Processing
Why merchants choose High Wire
- Bank-direct underwriting for HHC
- Interchange-plus pricing; no junk fees
- Authorize.net & NMI integrations
- 3DS, AVS/CVV, velocity rules, IP filters
- Chargeback playbooks & dispute support
Why HHC Payment Processing Is High Risk
HHC (hexahydrocannabinol) sits close to regulated cannabinoids and remains an evolving legal topic across states. Card brands and banks therefore classify many HHC programs as high risk due to compliance ambiguity, chargeback exposure, and policy enforcement patterns.
Because of that, you need a processor with deep underwriting experience, clear content standards, and robust fraud controls. Small mistakes in descriptors, claims, or shipping policies can trigger holds or termination. Our approach assumes these risks and builds mitigations from day one.
How We Approve HHC Merchants
Underwriting focuses on business model, product line, and website compliance. Typical items:
- Business formation documents, EIN, owner ID
- Recent bank statements
- COAs or lab results as applicable
- Website: age gate, refund/returns, shipping (restricted states), terms, privacy, contact details
We iterate with you on copies/policies before submission when needed. After approval, you’ll receive gateway credentials, descriptor setup, and initial risk thresholds. Many programs decide in ~5–10 business days depending on revision cycles.
Pricing & Fees for HHC Processing
HHC programs often carry higher base cost than standard retail due to risk. We price on interchange-plus: card brand cost + a transparent markup. As volume and performance stabilize, markups and any reserves can be reviewed for reductions.
You’ll get a line-item breakdown showing card costs, gateway, and markup so you see true effective rate.
Compliance & Content Guidelines
Content matters for approvals. Avoid ambiguous or medical claims and follow a clear checklist:
- Age gate (21+) on entry
- No medical/therapeutic claims
- Refund & return policy
- Shipping policy with timelines and restricted states
- Packaging/labels with ingredients, potency, disclaimers
- Terms, privacy, and contact pages in footer
Fraud & Chargeback Protection
We enable AVS, CVV, 3D Secure, velocity limits, IP geolocation filters, and device fingerprinting to reduce risk before authorization. For disputes, we help assemble evidence (invoices, tracking, policy language) to improve win rates and protect account standing.
FAQ on HHC Payment Processing
Is HHC legal?
It varies by state and continues to evolve. Some states ban HHC, others permit it under hemp frameworks. Because of this, banks treat HHC cautiously.
Can I use a normal merchant account?
Most mainstream platforms (Stripe, PayPal, etc.) do not support HHC. You’ll need a high-risk merchant account that explicitly underwrites the category.
When can I lower processing costs?
After ~3–6 months of clean processing (low disputes, stable volume), providers often revisit markups and reserves.