Real credit card processing for CBD & Hemp — finally stable.
Visa. Mastercard. American Express. Discover. MMJPay gives hemp and CBD merchants access to fully functional credit card processing through banking partners who are openly committed to your category — retail and ecommerce.
Fastest underwriting in the industry
Approval decisions in 3–5 business days through our network of CBD-committed banking partners
CBD processing has been a revolving door.
For years, CBD merchants have faced the same exhausting cycle: find a processor, get approved, start processing — then watch the account disappear without warning months later. A bank's internal policy changes. A new compliance team reviews the category. The risk department decides CBD is no longer acceptable. Your account is closed.
Even years after the 2018 Hemp Farm Bill made hemp-derived CBD federally legal, acquiring banks and processors have been slow to genuinely commit to the category. Most who say yes are tolerating CBD, not embracing it — and that difference is felt the moment something changes internally.
MMJPay spent years building relationships with the small number of processors and banks who are genuinely committed to CBD — not just tolerating it. That's what makes us different.
Approved by a new processor
Weeks of applications, documents, personal guarantees. Finally approved.
Hidden terms kick in
Rolling reserve imposed. Funding delays. Rates higher than quoted.
Account terminated
Email arrives. No warning. Risk policy changed. Reserved funds held 180 days.
MMJPay — processors who stay
Banking partners openly committed to CBD. Stable accounts. No surprise shutdowns.
Years of research. Real bank relationships.
MMJPay's payment professionals have been in the high-risk and non-conventional credit card processing arena for years. We understand the nuances of high-risk merchant accounts in a way that generic processors simply don't.
We spent years researching and navigating the payments landscape of the cannabis industry — identifying the small number of acquiring banks who genuinely understand and accept CBD merchants, building relationships with those institutions, and developing the underwriting processes that get CBD merchants approved and stay approved.
CBD merchants no longer have to deal with the frustration of finding stable and reliable credit card processing. We have developed the merchant bank relationships that make us the provider of choice for CBD merchants everywhere.
Years of cannabis payments research
Our team has spent years specifically navigating the CBD payment landscape — identifying which acquiring banks will truly commit to the category and which are simply tolerating it. That knowledge is the foundation of every merchant account we place.
Established banking relationships
We have direct relationships with acquiring banks that openly and knowingly process CBD transactions. These aren't opportunistic arrangements — they are long-standing partnerships with institutions built around serving the category.
Underwriters who know CBD
Our underwriting team has the specific experience and expertise in CBD payments to get merchant accounts approved. They know what documentation is needed, what product categories require additional review, and what makes a CBD merchant account sustainable long-term.
Multitude of processing options
With our broad network of banking solutions, we can always find the best fit and the best rates for each merchant's specific situation. If one path isn't available, we have others — which means fewer declined applications and more merchants approved.
Eight things every CBD merchant gets with MMJPay.
These are the specific commitments we make to every CBD and hemp merchant who comes on board — not marketing language, but operational standards.
"Our team of underwriters has the experience and expertise in CBD payments and know what it takes to get merchant accounts approved and up and running — faster than anyone else in the space."
One solution for every channel you sell through.
CBD merchants operate across retail and online — sometimes both. MMJPay's credit card processing covers both channels under one merchant relationship.
Retail CBD Locations
Boutiques, wellness shops, dispensaries, and pharmacies selling hemp products at the counter
Full card acceptance at the counter
All four major networks — Visa, Mastercard, Amex, Discover — accepted in person.
Broad terminal & POS selection
From simple countertop terminals to full POS systems with inventory, reporting, and employee management.
NFC & contactless payments
Apple Pay and Google Pay accepted where supported — the checkout experience your customers expect.
Same-day or next-day funding
Fast settlement into your business bank account — no multi-day holds eating into your cash flow.
CBD Ecommerce Stores
Online retailers, DTC brands, and subscription businesses selling hemp products nationwide
Seamless gateway integration
Integrates with Shopify, WooCommerce, Magento, BigCommerce, and custom-built stores.
Recurring billing & subscriptions
Full support for subscription products — CBD oils, gummies, pet products — billed monthly or custom.
Chargeback management
Built-in dispute monitoring and automated response documentation to protect your account health.
International sales supported
Accept payments from international customers in local currency for brands scaling beyond US borders.
Exactly what to expect before you apply.
We believe you should know the key details before you invest time in an application. Here's what CBD and hemp merchants can expect when working with MMJPay — in plain language, with no fine print surprises on the other side.
Specific rates depend on your product category, processing volume, and channel mix. We'll provide a full rate sheet before you commit to anything.
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 from CBD-committed banking partners within 3 to 5 business days. No setup fees, no long-term contracts, no obligation to apply.
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