Top 5 CBD Payment Processors: Best Merchant Accounts for 2025
Introduction
The CBD industry continues to grow, but it’s still considered high-risk by traditional financial institutions. This makes finding a reliable payment processor one of the most critical decisions for any CBD business. Without the right solution, you may face rejected payments, frozen funds, or even account closures.
In this article, we’ll look at the top 5 CBD payment processors for 2025. These payment processors are designed to handle high-risk industries like CBD, ensuring your business can process transactions smoothly and securely.
Top 5 CBD Payment Processors for 2025
1. Square CBD Payment Processing
Square is a well-known name in payment processing and has expanded its services to cater specifically to the CBD industry. Their platform supports both in-person and online payments, making it a versatile solution.
Pros:
- Easy integration with e-commerce platforms
- Transparent pricing
- No monthly fees for basic accounts
Cons:
- Higher transaction fees than traditional processors
- Limited to U.S. businesses
Best for: CBD businesses looking for an easy, all-in-one payment solution.
Google Review Rating: 4.7/5
One of the reviewers said: "Square has been a great solution for our CBD business, offering flexibility and transparency. Their platform is easy to use, and the customer support is top-notch."
Why We Picked It: Square is reliable, easy to integrate, and provides transparent pricing, making it an excellent choice for U.S.-based CBD businesses.
2. PaymentCloud
PaymentCloud specializes in high-risk payment processing, offering customized solutions for CBD businesses that need secure and reliable services.
Pros:
- High approval rate for high-risk industries
- No setup fees
- Multiple payment gateway options
Cons:
- Lengthy application process
- Custom pricing (not publicly listed)
Best for: CBD businesses needing a tailored solution with high approval chances.
Google Review Rating: 4.8/5
One of the reviewers said: "PaymentCloud helped us get approved quickly for our CBD merchant account. Their support team was extremely helpful, guiding us through the entire process."
Why We Picked It: PaymentCloud is known for its high approval rates and excellent customer support, making it a top choice for CBD businesses that need customized, high-risk solutions.
3. DigiPay Solutions
DigiPay is specifically designed for high-risk industries like CBD. Their platform offers full payment gateway integration with fraud protection and chargeback management, ensuring smooth and secure payment transactions.
Pros:
- High-risk merchant account services
- Advanced fraud detection
- Chargeback prevention tools
Cons:
- Setup fees may apply
- Limited to U.S. businesses
Best for: CBD companies with a high volume of sales and needing extra security measures.
Google Review Rating: 4.6/5
One of the reviewers said: "DigiPay's fraud protection and chargeback management have been a game-changer for our business. Their platform is reliable and secure, making it easier to process payments."
Why We Picked It: DigiPay's robust fraud detection and chargeback management features make it a top choice for CBD companies handling high volumes of sales. Their focus on providing secure, compliant payment processing is ideal for businesses in high-risk industries like CBD.
4. Easy Pay Direct
Easy Pay Direct provides a robust payment solution for CBD businesses by offering a multi-merchant account setup that distributes transactions across several accounts to reduce risk.
Pros:
- Supports high-volume CBD businesses
- Multi-account feature for risk management
- Excellent customer support
Cons:
- Setup fees
- Lengthy approval process
Best for: High-volume CBD merchants needing robust risk management tools.
Google Review Rating: 4.5/5
One of the reviewers said: "We needed a reliable payment processor for our growing CBD business, and Easy Pay Direct delivered. Their multi-merchant account setup really helped us manage risk effectively."
Why We Picked It: Easy Pay Direct’s risk management features make it an excellent choice for high-volume CBD merchants, especially those seeking compliance and security.
5. Soar Payments
Soar Payments is a key player in high-risk payment processing, catering to CBD companies with a range of payment options, including credit cards, e-checks, and ACH transfers.
Pros:
- Supports multiple payment options
- Fast approval process
- No application fees
Cons:
- Higher transaction fees for CBD sales
- Limited international options
Best for: CBD businesses looking for fast approvals and multiple payment methods.
Google Review Rating: 4.7/5
One of the reviewers said: "Soar Payments was quick to approve our CBD merchant account and offered multiple payment options, which has been a game-changer for us. Their team is very responsive."
Why We Picked It: Soar Payments stands out for its fast approval process and ability to handle various payment methods, making it ideal for CBD businesses seeking flexibility and efficiency.
Key Factors to Consider When Choosing a CBD Payment Processor
1. Compliance with CBD Regulations
CBD businesses must comply with various local and federal regulations, making it essential to choose a payment processor that understands and adheres to these rules. Some payment processors may only work with certain types of CBD products, such as those without THC, so always confirm their regulatory compliance.
2. Transaction Fees and Pricing
Since CBD is considered a high-risk industry, payment processors often charge higher transaction fees. Make sure you understand all the fees involved, including setup costs, monthly fees, and transaction percentages.
3. Payment Gateway Integration
For online CBD sales, seamless payment gateway integration is crucial. Look for processors that offer easy integration with your e-commerce platform and provide a secure gateway for handling online payments.
4. Customer Support and Risk Management
Strong customer support and effective risk management tools are essential for CBD businesses. Choose a processor with a reputation for excellent support and fraud prevention measures to protect your business.
5. Chargeback Prevention
Chargebacks are common in high-risk industries like CBD. Opt for a processor that offers chargeback protection and tools to manage disputes effectively, minimizing the financial impact on your business.
Conclusion
The CBD industry is expected to continue its growth into 2025, but choosing the right payment processor remains a key challenge. By selecting one of the top 5 CBD payment processors listed above, you can ensure that your business operates smoothly and securely, with full compliance and robust support.
Whether you're a small startup or a high-volume seller, finding the right payment solution is essential for growing your CBD business and staying competitive in this fast-evolving industry. Make your decision based on factors like compliance, security, customer support, and transaction fees to guarantee long-term success.
Please, do not hesitate to contact us for further information.
About us
At Essentia Pura, we specialize in manufacturing high-quality white label and private label CBD products, helping businesses launch their own unique CBD brands. With cutting-edge hemp extraction methods and a commitment to compliance and quality, we support companies in the nutraceutical, pharmaceutical, and cosmetic industries. Whether you’re looking for ready-to-market formulations or custom solutions, we’re here to help you succeed in the growing CBD market.
