Stop Getting Declined. Start Accepting Payments.
High-risk merchant accounts for CBD, hemp, supplements, coaching, and specialty eCommerce. Fast approvals, transparent underwriting, and processors who actually fight for you.
500+
Merchants Placed
15+
Years Experience
95%
Approval Rate
Simple process
Approved in 3 Simple Steps
No runaround. No disappearing acts. Just a clear path from application to processing.
Submit Your Application
Fill out our free online application. No fees, no commitments — just the information we need to match you with the right bank.
We Review & Advocate
Our underwriting team reviews your file and advocates directly with acquiring banks to get you the best possible terms.
Start Processing
Once approved, we set up your gateway, terminal, or POS system and you're ready to accept payments — typically within 24–48 hours.
Choose Your Payment Setup
Mobile Tap-to-Pay
Accept contactless payments anywhere with a smartphone or tablet. Perfect for markets, pop-ups, and mobile businesses.
Countertop Terminal
Reliable, standalone terminals for retail locations. Supports chip, swipe, tap, and PIN entry.
Full POS System
Full-featured POS systems with inventory, reporting, and employee management built in. Scales with your business.
Virtual Terminal
Accept payments over the phone or by invoice from any browser. No hardware required.
Why merchants choose us
We Specialize in Industries Banks Don't Understand
We advocate for you during underwriting so you get approved fast, stay approved, and scale without interruptions.
We Prevent Shutdowns Before They Happen
Most processors approve you fast — then shut you down when volume increases. We proactively manage underwriting, compliance, and risk so your account stays stable.
We Fight for Your Approval
If underwriting pushes back, we don't disappear. We fix compliance issues, adjust your file, and advocate directly with the bank until you get a decision.
We Specialize in High-Risk
CBD, hemp, supplements, coaching, subscription wellness — we know the compliance requirements, the risk triggers, and the underwriting rules that generic processors don't.
Every Business Model Supported
Retail, eCommerce, subscription, wholesale, high-ticket — if your model is legal and compliant, we can support it with the right acquiring bank and gateway.
Transparent — No Surprises
No hidden fees. No surprise reserves. No 'your business is too risky' excuses. Clear terms, honest timelines, and a processor who tells you the truth.
Built for Scale
Whether you're processing $10k/month or $500k/month, we match you with the right acquiring bank and gateway to grow without hitting processing ceilings.
Merchant stories
Real Merchants. Real Approvals.
"I was shut down by two processors before finding CBD Merchant Group. They got me approved in 48 hours and my account has been stable for over a year."
Marcus T.
CBD Retail Store, Colorado
"They didn't just get me approved — they explained every step of underwriting and made sure my compliance was solid before we even submitted."
Priya S.
Supplement eCommerce, California
"My coaching program does high-ticket continuity billing. Most processors won't touch it. CBD Merchant Group found me a bank that specializes in exactly this."
Derek W.
Online Coaching, Texas
"The dual pricing program alone saves me over $2,000 a month in processing fees. Setup was seamless and the terminal system is rock solid."
Angela R.
Hemp Dispensary, Oregon
"I've worked with three other high-risk processors. None of them communicated like this team does. They actually pick up the phone."
James L.
Nutraceuticals Brand, Florida
Cash discount program
Eliminate Processing Fees With Dual Pricing
Pass the cost of card acceptance to card-paying customers — legally and transparently.
Our dual pricing / cash discount program lets you offer a cash price and a card price at the point of sale. Card-paying customers cover the processing fee, so you keep 100% of every sale.
Learn About Dual PricingPayment hardware
Hardware for Every Setup
Countertop
Smart POS Terminal
Full POS with customer-facing display
Compact Terminal
Space-saving countertop terminal
Dejavoo Z11
Standalone EMV + NFC terminal
Mobile
Handheld POS
Portable POS with receipt printer
Bluetooth Card Reader
Compact reader for smartphones
Tap-to-Pay on iPhone
No hardware required
eCommerce
NMI Gateway
High-risk compatible payment gateway
Authorize.Net
Widely supported gateway integration
USAePay
Subscription & recurring billing
Virtual
Virtual Terminal
Accept payments from any browser
Hosted Payment Page
Branded checkout for your website
ACH / eCheck
Bank-to-bank transfers, lower fees
Industries we serve
Built for High-Risk. Proven Across Industries.
Common questions
Frequently Asked Questions
Ready to Start Accepting Payments?
Join 500+ merchants who stopped getting declined and started processing.
All accounts subject to underwriting and approval. CBD and high-risk approvals may require additional documentation.