CBD, hemp & wellness
Compliant Visa and Mastercard processing for CBD, full-spectrum hemp and nootropic wellness brands.
Overview
We've placed hundreds of compliant CBD brands across the EEA, UK and US with bank-direct acquiring — not high-risk aggregators. Real cards, real settlement, real reporting.
What's included
Underwriting documents
A closer look
Most CBD brands begin with a high-risk aggregator at 7%+ and end with surprise terminations. Direct card acquiring through a bank that knows the vertical brings rates into the 3.5–4.5% range and dramatically reduces termination risk — but requires per-SKU COAs, marketing review, and a properly structured legal entity.
Certificate of analysis confirming ≤0.3% THC (US Farm Bill) or ≤0.2% (EU/UK), CBD concentration, contaminant screening (heavy metals, pesticides, microbiology) and shelf-life evidence. We hold copies and re-request on a six-month rotation.
FDA / FSA do not permit therapeutic claims for non-pharmaceutical CBD. Our compliance team reviews your product pages and funnel copy to flag prohibited language before it causes Mastercard / Visa intervention.
Banking partners
Direct Visa / Mastercard acquirers in the UK, Germany, Switzerland and select US states.
Regulatory backdrop
US Farm Bill (≤0.3% THC), EU Novel Foods, UK FSA novel-food authorisation, Swiss MEPA. State-level variation in the US requires per-state shipping rules.
From application to first transaction
Day 0
Submit your application via our secure portal. A named risk officer is assigned within four working hours.
Day 1–3
We pre-screen your documents, surface gaps early and request only what's missing — no document fishing expeditions.
Day 3–10
Our risk committee reviews your file: corporate, financial, compliance and operational. Pricing is calibrated to the evidence.
Day 10–18
We negotiate placement with acquiring partners best matched to your geography, vertical and volume. MIDs are provisioned in parallel.
Day 18+
Sandbox keys on day one of placement. A dedicated integration engineer pairs with your team until first live transaction.
Portfolio KPIs
vs. prior processor, first 90 days
blended across portfolio
files delivered on schedule
merchant-initiated, T+0 in dashboard
Questions specific to CBD & Hemp
No — three states still effectively ban CBD sales (Idaho, South Dakota, Iowa for full-spectrum). We require state-aware shipping logic at the cart layer.
We do not place direct card acquiring for delta-8 or delta-10 hemp derivatives. Federal status remains unsettled.
Yes, where you hold or are progressing EU Novel Foods authorisation for each SKU.
Ready when you are
