The 10 Best CBD Merchant Accounts

Although in its infancy, the market for CBD (Cannabidiol oil) has exploded. As more and more people are seeking natural, non-pharmaceutical means to heal their bodies, CBD oil has been praised for treating anxiety, depression and severe pain. There is even the possibility of it being powerful enough to cure cancer, however, there is still much research to be done.

As the number of countries that are embracing CBD continue to grow, more are legalizing this miraculous substance. However, other countries are not too keen on making it legally available to its citizens.

With its controversial nature, banks are naturally less enthusiastic about embracing CBD merchants. The legality and efficiency of the product has experienced an on-going debate. Some governments restrict the amount of research to be conducted.

So what is a CBD Merchant to do? Look no further than these 10 CBD Merchant Providers. They have a solid history of not only dealing with the nature of high-risk merchant accounts, but many of these keep their proverbial finger on the pulse of this ever-growing, and evolving CBD industry.

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Headquartered in Los Angeles, California, EMB was founded in 2011 and is a leading high risk merchant account provider that services CBD merchants. The CBD businesses that EMB serves include: supplements and vitamins, beauty products, oil and tinctures, pet products, and so much more. EMB can be easily integrated into your Shopify store to accept payments.

The Pros

EMB offers its very own EMB payment gateway and it supports and a host of other payment gateways. There are no application fees, setup fees or annual fees. They offer chargeback shields, check processing services, and merchant cash advance programs. They have customer service support via telephone, email, and live chat. Multi-currency conversion and 3D Secure fraud protection is also offered.

The Cons

They do use tiered pricing processing plans, which are expensive. There are long-term contracts with an early termination fee. Some complaints about poor customer service.

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With headquarters in Leeds, UK, Nochex was founded in 1999 and is a merchant account provider that supports small and medium-sized e-commerce businesses in both the UK and Europe. It’s been known to be the UK’s answer to PayPal. More importantly, Nochex has been active in the CBD businesses since the beginning. They boast numerous CBD banking relationships and fast onboarding.

The Pros

Nochex offers its CBD merchants the following features and benefits: quick and easy access to funds, accept all major debit and credit cards, a merchant account and payment gateway in one, PCI compliant, no maximum transaction limit, free customers support from the UK, easy setup, easy to integrate onto your site, designated UK-based account manager.

The Cons

Online reviewers have reported a series of complaints including: that they can’t be trusted, they don’t refund money, poor customer service, some called them out as a scam.

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Servicing the US, Europe, and Canada, DirectPayNet offers payment solutions for high- risk businesses and industries.

Founded in 2009, as a full service Merchant Services Provider, DirectPayNet prides itself on being one of the first companies to back and support fledgling CBD entrepreneurs.

The Pros

Some of their offerings include credit and debit card processing, offshore merchant accounts, incorporation setup, risk management, and fraud detection.

Another selling point for potential customers is the opportunity to take part in a free price analysis to discover how much you would save by becoming a DirectPayNet customer. 

Expert support is available 365 days a year.

The Cons

As noted on their website, their focus and specialty seems to be only on medium to large-sized high risk merchants. Therefore, another alternative will need to be sought if you are a smaller-sized business.

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Paytriot Payments

Headquartered in Uxbridge, UK, Paytriot Payments assists high risk businesses to receive merchant accounts in a matter of hours instead of weeks.

Not only do they offer merchant accounts but they also offer payment gateways for businesses of any size.

The Pros

For their merchant services, they provide competitive rates, a smooth boarding process, multi-currencies, and 24/7 customer service.

Their payment gateway are Level 1 PCI DSS Compliant, are 3D secure, are integrated with all major shopping carts, and linked to 150+ processors. 

Paytriot also offers e-wallet solutions to customers who are wary of providing their credit or debit card information on a new website.

The Cons

Extremely difficult to find any complaints for this company. On Trustpilot, most merchants gave the company an average of 4.8 out of 5 stars and expressed great satisfaction.

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Secure Trading

Founded in 1999, London-based Secure Trading Group is comprised of three different companies: Secure Payment LTD, STI, and, each providing different solutions to various markets.

The Pros

Some of Secure Trading’s solutions include: easy integration, web services payment interface, JSON Payment Integration, hosted payment processing, multilingual pages,  virtual terminals (MOTO), ST PAYME, alternative payment methods, reporting portals, STFS Fraud and Transaction Monitoring, PCI, an onboarding process, and dedicated account management, and much more.

The Cons

Secure Trading does not disclose any specific rates or fees in the agreement. This can prevent merchants to negotiate effectively.

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Radiant Pay

London-based Radiant Pay is an agency offering payment solutions to merchants across all “legal” industries. It is a leading payment solution provider in the UK, European, and Asian countries.

The Pros

Some of the advantages offered include quick approvals, partnership with banks around the world, round the clock support, affordable pricing plans, quick payouts, minimal transaction charges, no deductions from revenues, uncapped transaction volumes, multi-currency processing, low taxes, risk management solutions, and personalised consultations.

The Cons

Some complaints about the company have to do with sales agents imposing highly undesirable contract terms. It is best to read the fine print thoroughly before signing anything with this company.

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iPay Total

Founded in 2018 and headquartered in London, iPay Total offers end-to-end high risk merchant solutions to customers around the world.

iPay Total partners with CBD merchants to protect them from account closures, fraud, and chargebacks.

The Pros

Some features offered on CBD merchant accounts include: multi-bank processing (including offshore), secure payment gateway, chargeback alerts, chargeback disputes, ACH/Check 21 processing, fraud prevention and protection, and competitive processing rates (below 6%), as well as 24/7 support online or by phone.

The Cons

High risk merchant account contract terms are not disclosed to the public. iPay Total also claims to charge a set up fee of up to £4,500, an incredibly exorbitant and prohibitive amount, especially for small businesses starting out.

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Founded in 2018 by Dennis E.R. Pedersen and Austin W. Kisiah, PurePay started as a conversation to improve an “outdated unfriendly system” within the payment processing industry.

Located in Surrey, the former advertisers, they sought to close the gap in service and response time of most payment service providers.

The Pros

PurePay offers its merchants the following services: ACH processing, Chargeback Dispute Resolution, prevention programs, high volume payment solutions, Mail Order/Telephone Order Processing (MOTO), online payment gateways, Point-of-Sale (POS) Solutions, crypto payments, fraud prevention, corporation setup, and IBAN Settlement bank accounts.

The Cons

Pure Pay includes a four and a half to six month rolling reserve. This time frame may vary, depending on the bank. However, if you are not able to manage or operate without these funds it might be best to avoid this type of processor.

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We Tranxact

Focusing on transparency in their rates and contracts, founder Rav Bains learned the reigns of providing exceptional customer service as a kid in his parents’ Birmingham fish and chip shop.

Founded in 2016, Birmingham,UK-based Web Tranxact is well-versed with the challenges in the Cannabidiol retail business and aims to offer solutions by providing CBD online merchant accounts as well chip and pin machines for retail businesses.

The Pros

Merchants can benefit from no PCI DSS fees, no authorisation fees, no minimum monthly services, no monthly contracts, Next Day settlement of funds, no rolling reserves, online reporting and analysis tools, and rates as low as 1.5% (dependent on application). Approvals are as soon as 2 hours.

The Cons

Some of the complaints found against We Tranxact were relating to not being completely transparent about their fees. However,  further clarification was given that the merchant bank they work with does increase their fees and this information is communicated to all merchants. All the same, it seems to be something out of We Tranxact’s control which can directly impact the merchant’s bottom line.

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WorldNet Payments

With two offices in Dublin, Ireland and Atlanta, Georgia, Worldnet was founded in 2007.  It accepts credit card processing for CBD oil as well as other CBD related products. Its gateway solution has been offered to CBD and Hemp merchants in both Europe and North America.

The Pros

Some of WorldNet’s offerings for CBD merchants include: a PCI Compliant payment gateway, online payment processing, Mobile EMV potentiality, a payment platform, virtual terminal, eCommerce, and ISV. It’s also integratable with free plugins. They currently work with WooCommerce, WP ECommerce, Magento, OpenCart, and Joomla. Assistance is provided by the Support and Integrations Team in Dublin, Ireland. They also have quick turnaround for payments and no rolling reserves. Funds are settled on a daily basis. Online banking, complete with a dashboard that offers tracking for processed transactions are also available.

The Cons

There were no negative reviews found for Worldnet online.

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