Get approved in as little as 24 hours. No setup fees, no hidden costs.
Get Started FreeHigh-Risk Industries · CBD
A CBD merchant account is essential for every legal hemp business. Card brands and acquiring banks classify CBD as high risk, so mainstream providers routinely decline or freeze CBD sellers without warning. PayKings underwrites high-risk CBD merchant accounts and CBD credit card processing in as little as 24 hours, so you can accept payments online and in-store without interruption.
Be approval-ready
What CBD underwriters ask for
Declined elsewhere?
Searching for payment processors that allow CBD? Aggregators like Stripe, Square, and PayPal prohibit hemp-derived products because card-brand rules and their sponsor banks classify CBD as high risk — sudden freezes, fund holds, and terminations are the norm.
PayKings checks every box and never surprise-terminates compliant CBD merchants.
Stripe
Prohibits hemp
Square
Prohibits hemp
PayPal
Prohibits hemp
PayKings
Underwrites CBD
Your terms, before you sign
5–15%
Typical CBD rolling reserve — standard for the industry and disclosed up front.
24 hrs
Approvals in as little as 24 hours once underwriting has your documents.
Quoted
Your rate, reserve terms, and settlement schedule — before you sign, not buried in the fine print.
Apply
Getting set up
Begin with our straightforward online application to start your merchant account setup process.
Provide essential documents to support your merchant account application.
Our experts guide you through the underwriting process to ensure a smooth and efficient approval.
Begin accepting payments seamlessly and focus on growing your revenue.
Why PayKings
Comparing the best CBD merchant processor options comes down to four things:
Mainstream providers like Stripe, Square, and PayPal decline CBD outright, and even high-risk competitors such as Easy Pay Direct and PaymentCloud can take days to place an account. PayKings approves most CBD merchants in as little as 24 hours.
Every account includes chargeback management software plus a Dedicated Account Manager who knows the CBD industry.
Our CBD merchant services go beyond a merchant ID, so you can process payments securely and efficiently — without interruptions:
Rates & approval
CBD credit card processing costs more than low-risk retail because acquiring banks price in regulatory and chargeback exposure. Your rate depends on:
PayKings quotes your rate, reserve terms, and settlement schedule before you sign — and our chargeback prevention tools help you lower your risk profile, and your fees, over time.
Approval for a high-risk CBD merchant account doesn't have to take weeks. Our underwriting team matches your business to an acquiring bank that accepts hemp merchants, reviews your documents, and issues approvals in as little as 24 hours.
Once approved, we connect your payment gateway or POS so you can start accepting credit cards right away.
What we underwrite
The same underwriting covers hemp credit card processing and hemp oil merchant processing, so whether you need a CBD oil merchant account for a single product line or a full hemp catalog, one PayKings account handles it all.
What's included
Sell everywhere
The difference
Built for the businesses other processors turn away.
FAQ
Everything you need to know about high-risk payment processing
See how PayKings supports adjacent verticals and the payment solutions that pair with them.
