Federally legal. Still treated like a risk. We fix that.
The 2018 Farm Bill made hemp-derived CBD federally legal — yet most payment processors still classify your business as high-risk, leaving you with unstable accounts, hidden fees, holdbacks, and shutdowns you never see coming. MMJPay was built for exactly this gap.
Trusted & In Use At 30+ States of Dispensaries
Green Leaf Dispensary ◆ Harvest House ◆ Zen Leaf ◆ MedMen ◆ Jushi Holdings ◆ Acreage Holdings
CBD merchants have faced years of unconventional, non-transparent payment solutions. Ridiculous pricing, inconvenient funding terms, holdbacks and reserves — and accounts that vanish without warning months after approval. It shouldn't be this way for a federally legal product.
"Merchants have dealt with non-transparent solutions for years — ridiculous pricing, holdbacks, and the gut-punch of being shut down months after getting approved."— The CBD payment processing reality, as we've heard it from hundreds of merchants
The merchant journey that ends with MMJPay.
Most CBD merchants come to us after going through the same painful cycle with other processors. Here's what that looks like — and what the MMJPay path looks like instead.
Weeks of back-and-forth, personal guarantees, financials requested, then more questions about your product line.
Weeks 1–3You're approved — but the fine print includes a 15% rolling reserve, elevated rates, and a 6-month funding hold window.
Week 4You're live, but funding takes 5–7 days and reserve amounts are quietly climbing. Support tickets go unanswered.
Months 1–2An email. Your account is closed. Risk policy changed internally. Reserved funds held for 180 days. Business disrupted.
Month 3Back to searching, applying, waiting. Another processor who doesn't really understand your business.
Month 4+A straightforward form. No endless document requests. We know what CBD merchants need and ask only what's required.
Day 1 — MinutesOur cannabis-specialized underwriting team reviews your application. Clear terms, disclosed pricing, no hidden conditions.
Day 1–2Terminal ships next business day for retail. Ecommerce gateway credentials delivered same day. You're taking payments.
Day 2–3Same-day or next-day funding. No surprise reserve changes. A dedicated account manager who picks up the phone.
OngoingWe work with processors who are openly committed to CBD. No internal policy reversals. No surprise shutdowns. Month-to-month, always.
AlwaysWhether you sell in-store, online, or both.
CBD merchants operate across both physical and digital channels — and each has its own payment requirements. MMJPay covers both under one merchant account.
Full credit card acceptance
Visa, Mastercard, Amex, and Discover — all major cards, accepted at the counter like any other retailer.
POS on any PC or Android device
Our point-of-sale solution integrates with your existing hardware, with employee permissions and detailed sales reporting built in.
On-site ATM placement
We place and manage an ATM for cash-preferring customers — you earn a share of every transaction fee at zero cost to you.
Cannabis-friendly business banking
FDIC-insured accounts through our network of financial partners who openly serve CBD and hemp merchants.
Secure online payment gateway
A fully compliant gateway integration for your website — Shopify, WooCommerce, Magento, or custom-built stores.
Recurring billing & subscriptions
Built-in support for subscription products — tinctures, gummies, pet products — billed monthly or on your schedule.
Chargeback management
Built-in dispute monitoring flags suspicious transactions early and auto-generates response documentation to protect your account.
Multi-currency & cross-border sales
Accept payments from international customers in their local currency — critical for brands scaling beyond the US market.
Every category of hemp-derived product.
Our underwriting team has seen the full spectrum of CBD and hemp product types. We know the compliance requirements for each category and can process them — retail and online — without treating your entire SKU catalog as a liability.
No holdbacks. No reserves. No surprises.
CBD merchants have dealt with years of pricing games — fees buried in fine print, escalating reserve requirements, and funding timelines that quietly lengthen. MMJPay's pricing is disclosed upfront, in plain language, before you commit to anything.
We'll give you a full rate sheet based on your volume, product type, and channel before you ever sign. No pressure, no obligation.
Get your rate quote →What CBD merchants ask us first.
After years of bad processor experiences, CBD merchants come to us with sharp, specific questions. Here are the ones we hear most — answered straight.
Ask us something else →Stop getting shut down.
Start processing for good.
Apply today and get a decision within 24 hours from processors who actually want your CBD business — not ones who will drop you the moment their internal policies shift.
Banking and payment processing built exclusively for the cannabis industry. Compliant, reliable, always in your corner.
Copyright 2026. MMJPay. All Rights Reserved.
PCI DSS Level 1 · FDIC Insured · FinCEN Compliant