If you're running a CBD business, you already know the frustration. You've built a legitimate, legal business selling hemp-derived products, but banks treat you like you're running an illegal operation. Traditional payment processors like Stripe, PayPal, and Square either reject you outright or shut you down after processing a few transactions.
That's where we come in. ecom payouts has helped hundreds of CBD businesses secure stable merchant accounts with competitive rates and approval times measured in days, not months.
Why CBD Businesses Can't Get Normal Payment Processing
Even though CBD is federally legal under the 2018 Farm Bill, most banks and payment processors still classify it as "high-risk." Here's why:
- Regulatory uncertainty: Banks worry about changing laws and potential compliance issues
- Higher chargeback rates: The CBD industry sees more disputes than traditional retail
- Reputational concerns: Some financial institutions don't want association with cannabis-adjacent products
- Lack of industry knowledge: Most underwriters don't understand the difference between CBD and marijuana
The result? CBD business owners waste months applying to processors who will never approve them, or worse, get approved only to have their account terminated after their first successful month.
