Best CBD Merchant Account 2025

Best CBD Merchant Accounts

Finding a trustworthy payment processor in the high-risk CBD sector can be complex.

Our chosen providers stand out by offering services tailored to meet the specific needs of CBD businesses, ranging from regulatory compliance to advanced security.

This review showcases providers that excel in features, customer support, pricing, and reliability. This will ensure that your CBD business can process payments securely and with ease.

Top CBD Merchant Account Providers:

1. Moonlight Payments 
2. ServiceGanja (Stace) 
3. Tridant 
4. PayKings 
5. PaymentCloud 
6. Centurion Payment Solutions 

Moonlight Payments leads the pack with its specialized focus on the CBD and cannabis sectors. It offers a suite of services that include integrated POS systems and expertise in legal compliance, crucial for businesses in this field. Pricing is customized to provide tailored solutions for each client.

1. Moonlight Payments

Overview

Moonlight Payments is a comprehensive solution provider for businesses navigating the complex landscape of online transactions, especially those classified under high-risk categories like CBD and hemp, nutraceuticals, and skincare. 

Its focus on ensuring a good fit for the client sets Moonlight Payments apart, catering to an array of industries with its tailor-made services. 

This high-risk processing partner is especially adept at serving internet-based businesses, guiding them through the nuances of payment processing with a dedicated team for online account management.

Notable Features

• Tailored High-Risk Merchant Account Solutions: With a deep understanding of high-risk industries, Moonlight Payments offers customized solutions, including high-risk merchant accounts that can handle the nuanced requirements of businesses like CBD and hemp.
• Card Not Present / Ecommerce Expertise: Recognizing the surge in ecommerce, it provides specialized support for online businesses to ensure robust and durable payment processing.
• Comprehensive Support for Various Ecommerce Verticals: Whether it’s digital products, subscription services, or professional services transitioning to online models, Moonlight Payments has the experience and the tools to support your business.
• Bricks & Clicks Integration: For businesses blending physical presence with online sales, Moonlight Payments can create a seamless payment process that harmonizes both realms.

Pricing

While specific pricing is not mentioned, Moonlight Payments invites potential clients to discuss their business needs so it can provide a personalized pricing strategy that best suits your business scale and volume.

Pros

• Industry-Specific Expertise: Moonlight’s experience across various online verticals enables it to provide expertise for each unique business model.
• Customizable Solutions: It has the flexibility to tailor services and solutions to match the specific needs of a business, including those in niche markets like CBD.
• Post-Setup Care: Unlike many processors focused on client acquisition, Moonlight Payments emphasizes ongoing account management and customer service.

Cons

• Lack of Transparent Pricing Online: Potential clients must reach out to discuss pricing, which may be a hurdle for those seeking quick comparisons online.
• Specialization in High-Risk Accounts: Businesses not considered high-risk may find its services to be more than what is needed.

Summary

Moonlight Payments positions itself as an invaluable asset for high-risk and internet-based businesses seeking a reliable and experienced payment processing partner. 

With a commitment to personalized service and a team ready to assist you, it ensures that businesses can not only set up their payment processing systems but thrive with them.

2. ServiceGanja (Stace)

Overview

ServiceGanja (Stace) presents itself as a specialized ecommerce platform designed to cater to the unique needs of CBD and cannabis-related businesses. 

Recognizing the challenges that come with operating within the high-risk, heavily regulated cannabis industry, ServiceGanja (Stace) aims to streamline the sales process with a tailored POS system, inventory management, and compliance tools. 

The service seems ideally suited for small to medium-sized cannabis dispensaries and CBD shops looking to manage their operations more efficiently.

Notable Features

• Specialized POS System: ServiceGanja (Stace) provides a POS system optimized for CBD and cannabis retailers, with features that cater to the industry’s specific requirements.
• Unlimited Users: With the Grow plan, the system allows for an unlimited number of staff members to use the service, which is beneficial for operations with multiple locations.
• Mobile ID Verification: A crucial feature for any cannabis-related business is the ability to verify IDs through mobile devices, enhancing the compliance and customer verification processes.
• Metrc Integration: Integration with Metrc is essential for compliance in many regions where cannabis is sold, simplifying the reporting process to regulatory bodies.
• Data Reporting: Offers comprehensive reporting tools for better decision-making and operational oversight.
• Staff Management: Equips managers with tools to oversee staff performance and scheduling effectively.

Pricing

• Seed ($249/month): Designed for startups and new shops, offering inventory management, Metrc integration, data reporting, and staff management for up to five users.
• Grow ($449/month): Geared toward growing and established operations, providing point-of-sale services, mobile ID verification, and unlimited user access, among other features.

Pros

• Industry-Specific Features: Tailored specifically for CBD and cannabis businesses, ensuring that the features align closely with industry needs.
• Compliance Tools: Includes important tools for maintaining legal compliance, like Metrc integration and ID verification.
• Scalability: The Grow plan is built for adaptability, supporting businesses as they expand.

Cons

• Feature Limitations: While specialized, it may not offer as comprehensive a suite of features as some more established ecommerce platforms.
• Learning Curve: New users might need time to adapt to the platform’s specific functionalities tailored to the cannabis and CBD industries.

Summary

For CBD and cannabis businesses in search of a specialized ecommerce solution, ServiceGanja (Stace) offers targeted features and pricing plans that accommodate the stages of business growth. While it may not be as comprehensive as other platforms, its niche focus makes it a contender for those seeking an industry-specific solution.

3. Tridant

Overview

Tridant emerges as a robust and comprehensive software solution aimed at supporting CBD shops, cannabis dispensaries, and related businesses. 

It markets itself as “The Most Powerful Tool in the Universe,” indicating a strong confidence in the versatility and capability of its features. 

With a dispensary POS system at its core, Tridant extends its functionality to delivery management, website building, and extensive inventory control. Plus, its promise of a seamless “seed to sale” experience appears to be a major selling point for vertically integrated companies in the CBD and cannabis industries. 

The platform’s emphasis on a single software ecosystem simplifies the technological demands of managing CBD and cannabis operations, potentially reducing the learning curve and system management overhead.

Notable Features

• Dispensary POS: An easy-to-use POS system tailored to the needs of CBD and cannabis dispensaries.
• Delivery Management: Tools to manage and streamline the delivery aspects of the business.
• Website Builder: An integrated feature allowing businesses to create their ecommerce platforms.
• Product Inventory and Allocation: Detailed inventory management to track and allocate products efficiently.
• Loyalty Program: Features to build and maintain customer loyalty through rewards and incentives.
• Report Management: Comprehensive reporting functions for data-driven decision-making.
• Staff Management: A module for managing staff scheduling, performance, and administrative tasks.
• Leaf Management: A unique feature that pertains to the management of specific cannabis products.
• Consumables Manufacturer Management: Tools for businesses that manufacture CBD and cannabis consumables.

Pricing

• Free Trial: Offers a seven-day free trial with a personalized tour of the software, live feed from any device, no obligation, and no credit card required.

Pros

• Ease of Use: Users find Tridant to be user-friendly, facilitating daily operations from seed to sale.
• All-in-One System: The platform is designed to accommodate the various facets of CBD and cannabis business management within one system.
• Multi-Location and Ecommerce Integration: Supports operations across multiple locations and includes ecommerce functionality.

Cons

• No Free Hardware: The software does not come with complimentary hardware.
• Internet Connectivity Issues: There have been instances of lag due to poor internet connections, affecting system performance.

Summary

Tridant positions itself as an all-encompassing software for the CBD and cannabis industries, striving to be the singular platform for businesses from seed to sale. 

The platform’s lack of complimentary hardware and occasional internet connectivity issues are points for potential users to consider. Nonetheless, for businesses seeking a multifaceted system capable of handling complex operations, Tridant offers a free trial to meet a range of business needs without immediate financial commitment.

4. PayKings

Overview

PayKings is a seasoned player in the merchant services realm, specializing in providing solutions for high-risk businesses. With a focus on hard-to-place merchant accounts, this platform serves as a lifeline for businesses operating within industries deemed too risky by conventional banks and processors.

Notable Features

• Tailored High-Risk Merchant Accounts: Customized solutions that cater to the specific needs and risks of your business.
• Integrated Payment Gateways: Secure payment gateways that ensure smooth transaction experiences.
• Ecommerce Specialization: Features like Shopify integration, which are pivotal for online stores, especially in the CBD niche.
• Multiple Payment Methods: Including automated clearing house (ACH) processing, to accommodate various customer preferences.
• Global Reach: Ability to handle international payments, making it possible to expand your business across borders.
• Developer Tools: Access to a suite of developer resources to ensure smooth integration and operation of payment systems.

Pricing

• Customized Pricing: PayKings offers tailored pricing models that reflect the unique needs and risk profiles of each business.
• No Hidden Fees: While the exact rates are not listed, PayKings prides itself on having no hidden fees, providing clear insights into cost expectations.

Pros

• Expertise in High-Risk Accounts: A deep understanding of the complexities associated with high-risk industries.
• Comprehensive Payment Solutions: From credit card processing to ACH, a wide array of payment options is supported.
• Ecommerce Friendly: The platform’s integration capabilities with ecommerce systems are a boon for online merchants.

Cons

• Opaque Tiered Pricing: Potential customers may find the lack of transparent, pre-disclosed pricing tiers challenging.
• Contractual Obligations: Early termination fees signal a commitment that might not be suitable for all businesses.

Summary

For businesses in high-risk industries, PayKings stands out as a crucial ally, offering tailored merchant accounts, a variety of payment methods, and a commitment to security. 

While pricing transparency could be improved, the platform’s specialization in high-risk accounts and global payment capabilities make it a contender for those in need of a steadfast payment processing partner. 

With its competent customer service and integration features, PayKings is poised to support the ambitions of online merchants, particularly in the growing CBD market.

5. PaymentCloud

Overview

PaymentCloud stands out as a full-service merchant account provider catering to medium- and high-risk businesses. 

With its dedication to advocacy and guidance throughout the merchant’s journey, the company has earned a reputation as a supportive partner for US-based merchants navigating the complexities of payment processing.

Notable Features

• Hands-On Merchant Advocacy: PaymentCloud distinguishes itself through personalized support during and after the onboarding process.
• High-Risk Specialist: A track record of successfully serving mid and high-risk businesses with tailored merchant accounts.
• No Application or Setup Fees: An accessible entry point for merchants without the burden of initial fees.
• Free Credit Card Terminal: Provides essential hardware at no cost to facilitate physical transactions.
• Referential Trust: Referred by Stripe and Dharma Merchant Services for businesses that need specialized high-risk account handling.

Pricing

• Customizable Rates: Although not publicly disclosed, PaymentCloud provides tiered and interchange-plus pricing models, with negotiable rates and fees based on individual business needs.
• Virtual Terminal Costs: PaymentCloud offers custom pricing for virtual terminals, with the average cost ranging from $10 to $30 per month. Additionally, per transaction fees may vary from $0.05 to $0.15​​.
• Exclusive Promos: Offers such as a $200 incentive if PaymentCloud can’t beat a merchant’s current rate.

Pros

• Transparent High-Risk Solutions: Clear guidance and support for high-risk merchants.
• Reasonable Fees for Services: Keeping costs in check for a range of merchant risk profiles.
• No Monthly Minimums: Flexible financial requirements
• Equipment Offerings: Free equipment to facilitate business transactions.

Cons

• Non-Disclosed Pricing: Lack of transparent pricing on the website may present a challenge for potential clients with clear cost expectations.
• Variable Contract Lengths: While offering flexibility, the absence of publicly available contract details necessitates careful review by merchants.

Summary

PaymentCloud succeeds by offering a blend of reliable merchant services, hands-on customer support, and a strategic approach to high-risk accounts. 

While pricing transparency is an area for potential improvement, the company’s strengths in tailored solutions and robust advocacy make it a top recommendation for merchants, especially those navigating the high-risk sector.

6. Centurion Payment Solutions

Overview

Centurion Payment Solutions is renowned for its custom payment processing services, emphasizing flexibility and efficiency for a broad spectrum of businesses, including those facing high-risk challenges. 

The firm prides itself on providing scalable solutions that support the dynamic needs of merchants, from small startups to large enterprises.

Notable Features

• Tailored Payment Systems: Centurion Payment Solutions excels in creating customized payment systems designed to align with the specific needs of each merchant.
• Comprehensive High-Risk Support: The company specializes in accommodating high-risk merchants, offering stable payment processing solutions where other providers may not.
• Diverse Payment Options: Supports a wide range of payment methods, including credit, debit, echecks, and mobile payments, catering to the modern consumer’s needs.
• Security First Approach: Strong focus on security with compliance to the Payment Card Industry Data Security Standard (PCI DSS) to protect merchants and their customers.
• Merchant-Centric Support: Dedicated support teams work closely with clients to ensure smooth payment processing and quick issue resolution.

Pricing

Centurion Payment Solutions operates on a Cost+ pricing program, ensuring transparency and a clear understanding of the fees associated with each transaction. 

Interchange Fees:

Interchange fees are determined by credit card issuing banks and are a fixed cost across all processors. These rates are established annually by Visa, Mastercard, and Discover.

Visa and Mastercard Debit:

• Debit Retail Swipe and Keyed rates range from 0.050% + $0.22 to 2.450% + $0.10, depending on the card type (e.g., CPS, Regulated, Prepaid, Business).
• Specific rates for Visa Debit CPS Retail Swipe at 0.800% + $0.15, MasterCard Debit Retail Swipe at 1.050% + $0.15, and others as detailed in the full rate table.

Visa and Mastercard Credit:

• Retail and Keyed transaction rates range from 1.510% + $0.10 to 2.950% + $0.20, varying with the card category (e.g., Consumer, Enhanced, World, Corporate).
• Example rates include Visa CPS Retail at 1.510% + $0.10 and MasterCard Consumer Retail Swipe at 1.580% + $0.10.

International Transactions:

• Visa and MasterCard international rates apply to transactions processed outside the United States, with additional cross-border and international service fees.

American Express — Opt-Blue Interchange Rates:

Centurion Payment Solutions also provides American Express Opt-Blue interchange rates, which are tailored based on industry type and transaction size, ranging from 1.35% + $0.10 for small prepaid transactions to 3.00% + $0.10 for larger lodging, travel, and entertainment expenses.

Association Fees:

These are additional fees charged by the card associations, including but not limited to:

• Card-Brand Fees: Visa and MasterCard charge a standard rate of 0.13% or 0.11%, depending on the transaction volume.
• Network Access and Processing Fees (NAPF): For Visa, this could be $0.0195 for NAPF, or for MasterCard, $0.0185 for Network Access and Brand Usage fees (NABU).
• Fixed Acquirer Network Fee (FANF): Visa’s FANF varies based on the transaction method and volume, ranging from $2 per month for card-present locations to $45 per month for high-volume keyed transactions.

Additional Fees:

Centurion Payment Solutions ensures full disclosure of any additional fees that might apply, such as:

• International Cross-Border Fees: Visa charges 0.800% and MasterCard charges between 0.6% and 0.85% for international transactions.
• Authorization and Transaction Inquiry Fees: Fees such as MasterCard’s Account Status Inquiry Fee at $0.25 or CVC 2 Authorization Fee at $0.25 are applied as incurred.

Pros

• Customized Solutions: Ability to deliver personalized payment processing solutions that fit the unique needs of different businesses.
• High-Risk Merchant Embrace: Welcomes a variety of high-risk merchants with open arms, providing a lifeline where other processors might balk.
• Security Commitment: A proactive stance on security to ensure merchants and their customers are protected against fraud.
• Direct Support: A strong support system that aids merchants at every step, ensuring they feel confident in their payment processing.

Cons

• Public Pricing Information: The complex pricing on the website may prove overwhelming to merchants who prefer simplicity.
• Niche Focus: While it’s a boon for high-risk merchants, businesses outside of this niche might not find the specialized services as advantageous.

Summary

Centurion Payment Solutions is distinguished by its bespoke approach to payment processing, especially for high-risk merchants. 

The company offers a secure, flexible, and supportive environment for all its clients. The tailored solutions and exceptional support system position Centurion as a solid choice for businesses seeking a dedicated payment processing partner.