CBD.
Stable, compliant CBD processing — banking relationships that actually stick.
Built For You, Configured By Us.
CBD merchants get shut down by processors who boarded them wrong. We place CBD businesses with acquirers who explicitly support the vertical, with honest descriptors and terms.
Underwritten right the first time, so your revenue never goes dark.
- ★High-risk underwriting expertiseWe board CBD, vape, nutraceutical, credit repair, and travel merchants with acquiring banks that explicitly accept the vertical — so accounts stay open.
- ★Chargeback mitigation toolsPrevention alerts, clear descriptors, and dispute-response support keep your chargeback ratio under the thresholds that get high-risk accounts terminated.
- ★Compliant descriptor setupBilling descriptors and account configuration done right the first time, so customers recognize the charge and your processing doesn't go dark over a miscode.
- ★Stable, long-term processingHonest reserve terms disclosed up front and acquirers who want your business — not a teaser approval that gets swept away in the next compliance review.
What It’s Really Like To Run A CBD.
You run a legal business selling hemp-derived products, you keep your COAs on file, you card customers, and you stay on top of a rulebook that shifts under your feet — federal law says one thing, Texas keeps adjusting, and every card brand has its own policy on top. Your customers are ranchers with sore backs and retirees who sleep better, not a risky demographic by any stretch. And yet you run your shop knowing the payments side could disappear on any given Tuesday.
Because it happens. A salesperson boards you on a quick-signup platform coded as a gift shop or “health products,” everything works for three months, then the processor’s risk team actually looks at your website and terminates the account — sometimes holding your last two weeks of deposits. Now you’re explaining a termination on every future application. The problem was never your business; it was being boarded wrong by someone who knew the approval wouldn’t survive a review.
Most CBD account shutdowns aren’t caused by the merchant — they’re caused by being boarded on a platform that never allowed CBD in the first place.
Where Payments Hurt
- ★Miscoded as “gift shop” or “wellness” at signup, then terminated when risk reviews the site
- ★Surprise rolling reserves imposed mid-stream with no warning or end date
- ★Fear of the MATCH list following a termination you didn’t cause
- ★Aggregator platforms (Square, Stripe, PayPal) shutting off CBD sellers per their own terms
How Lone Star Fixes It
- ★Boarding through acquirers whose written policy explicitly accepts hemp-derived CBD — correct MCC, product list disclosed, no surprises later
- ★Reserve terms in writing before you sign: amount, type, and release schedule — see the high-risk merchant account guide
- ★NMI or Authorize.net gateways with tokenized card-on-file for compliant online and repeat orders
- ★Chargeback alerts and descriptor cleanup so disputes don’t creep toward the thresholds — details in our chargebacks guide
CBD Owners Ask Us
Why did my CBD account get shut down?
Almost always because the account was boarded on a processor or aggregator whose rules never actually permitted CBD, often under a generic business category. When a routine risk review caught it, the account was terminated. The fix is boarding with an acquirer that accepts CBD in writing.
Will a past shutdown or MATCH listing keep me from getting a new account?
It makes things harder, not impossible. High-risk acquirers underwrite the full story — why the termination happened, your product line, your dispute history. Being honest about it up front matters more than the listing itself.
Do I have to accept a huge rolling reserve?
Not automatically. Reserves are negotiable and should reflect your actual chargeback history, not a blanket policy. We’re a Dallas-based team, and we walk through the reserve terms with you line by line before you sign anything.
Explore Specialty
Ready To See It In Action?
Call (214) 838-1818 and a specialist will walk you through the right setup for your business — and ask about up to $5,000 to upgrade your POS.
