Top 20 High-Risk Payment Processors for CBD and Supplement Brands (2025)
If you’re running a CBD or supplement brand with subscriptions, you’ve likely been frozen out by Stripe, PayPal, or Square. These payment processors specialize in high-risk verticals — offering real recurring billing, CBD/Hemp merchant approval, and integrations with platforms like Shopify, WooCommerce, and Chargebee. Whether you’re scaling DTC or need international reach, these 20 providers keep your revenue stable and your brand compliant.
See Top Payment Tools
For CBD Brands Needing Recurring Billing
Processor: PaymentCloud
- High approval rate for CBD merchants
- Supports recurring billing models
- Integrates with Shopify and WooCommerce
Popular With Recurring-Model CBD Brands
PaymentCloud is one of the top picks for CBD sellers who need recurring billing and Shopify or WooCommerce integration. It’s frequently used by mid-size brands looking for fast approvals in the high-risk space.
For High-Volume Supplement Sellers
Processor: Easy Pay Direct
- Specializes in high-risk industries
- EPD Gateway for seamless transactions
- Supports multiple shopping carts
Built for Volume and Risk Tolerance
Easy Pay Direct is a strong option for high-volume CBD businesses that need reliability under pressure. It’s known for its EPD gateway and multiple cart integrations tailored for supplements and regulated industries.
For Multi-Channel CBD Retailers
Processor: NMI
- Unified commerce platform
- Supports ACH, credit, and debit payments
- Integrates with BigCommerce
Ideal for Multi-Channel CBD Retail
NMI supports unified payments across ecommerce and in-person channels. CBD brands with retail stores or multi-touch sales flows often use NMI to centralize payments while staying compliant.
For Hard-to-Place CBD Businesses
Processor: Durango Merchant Services
- Over 25 years of industry experience
- Specializes in high-risk merchant accounts
- Offers international banking relationships
Need Help Getting Approved? Try Durango
Durango Merchant Services has decades of experience placing hard-to-approve CBD businesses. It’s often used when other processors decline, especially for international or high-volume sellers.
For Mid-Risk CBD Enterprises
Processor: Soar Payments
- Transparent pricing models
- Excludes ultra-high-risk industries
- Quick application process
For CBD Brands in the Mid-Risk Zone
Soar Payments serves CBD businesses that are too risky for Stripe but don’t need a full offshore setup. Transparent pricing and a fast approval process make it a common choice for fast-growing brands.
For CBD Brands with Chargeback Concerns
Processor: PayKings
- Direct network with 20+ banks
- Specializes in CBD merchant accounts
- Chargeback mitigation tools
Best for Brands With Chargeback Issues
PayKings connects CBD sellers with 20+ bank partners and provides tools for chargeback mitigation. It’s frequently used by brands scaling subscriptions and dealing with elevated dispute rates.
For CBD Startups Seeking Flexibility
Processor: Bankful
- Supports CBD and hemp industries
- Subscription billing options
- Advanced fraud detection
Good Fit for CBD Startups
Bankful offers CBD-friendly merchant accounts with subscription billing and fraud detection built-in. It’s a common choice for newer brands that need flexibility and compliance from day one.
For Global CBD Payment Processing
Processor: Merchant Stronghold
- Supports international transactions
- High approval rates for CBD merchants
- Customized payment solutions
Looking to Sell CBD Internationally?
Merchant Stronghold supports cross-border CBD sales with high approval rates. Their custom setups are favored by global sellers needing localized gateway support.
For CBD Businesses Seeking Low Fees
Processor: National Processing
- Competitive transaction rates
- No long-term contracts
- Supports various payment methods
Low-Fee CBD Processing Options
National Processing offers competitive rates for high-risk businesses. CBD companies with stable volume and solid history often choose it to keep margins healthy without a long-term contract.
For CBD Merchants with Credit Challenges
Processor: High Risk Pay
- Approves poor credit businesses
- Supports high-risk industries
- Secure payment gateways
Have Bad Credit? This One Might Work
High Risk Pay is used by CBD founders who’ve been turned away elsewhere due to poor credit. It offers secure gateways and works with merchants most banks avoid.
For CBD Brands Needing eCheck Solutions
Processor: SeamlessChex
- Offers eCheck and ACH processing
- High approval rates
- Customizable solutions
For CBD Brands That Want eCheck Options
SeamlessChex enables eCheck and ACH processing for high-risk merchants. It’s a go-to for subscription-based CBD products needing banking alternatives.
For Transparent CBD Payment Processing
Processor: Host Merchant Services
- No hidden fees
- CBD and hemp support
- 24/7 customer support
Prefer Transparent Pricing?
Host Merchant Services provides CBD support with no hidden fees and 24/7 support. It’s used by businesses that value clarity, speed, and a stable long-term partner.
For CBD Businesses Seeking Versatility
Processor: Payline Data
- Flexible solutions
- High-risk industry support
- Wide platform integrations
Flexible Platform for CBD Payments
Payline Data supports a wide range of ecommerce and POS integrations for CBD merchants. Its flexibility makes it popular with agencies and multi-product sellers.
For CBD Brands Needing Offshore Options
Processor: Instabill
- Global merchant access
- Subscription billing
- WooCommerce integrations
Need Offshore CBD Payment Support?
Instabill works with international processors to enable offshore and cross-border CBD sales. It’s especially helpful for businesses selling across borders or dealing in subscription models.
For Stripe Refugees Seeking Stability
Processor: Organic Payment Gateways
- Shopify and Wix support
- CBD vetting & compliance help
- Recurring billing included
Switching from Stripe or Square?
Organic Payment Gateways helps CBD brands that were banned or rejected by mainstream platforms. It’s one of the easiest ways to get compliant billing on Shopify, Wix, or WordPress.
For Compliance-First CBD Brands
Processor: Inovio
- Hosted checkout & recurring billing
- Fraud detection tools
- Minimal dev lift required
For Compliance-Heavy CBD Brands
Inovio is a strong pick for merchants focused on fraud prevention, PCI compliance, and subscription billing. CBD companies with growth plans often pick Inovio to streamline risk.
For Vertically Integrated CBD Sellers
Processor: GreenLeaf Payment Solutions
- Recurring flows for CBD
- Onboarding support for supplements
- Custom checkout tools
Built for Vertically Integrated CBD Sellers
GreenLeaf supports supplement brands and CBD sellers that manage their own supply chain. It’s often used when onboarding and recurring payments need tight control.
For Brands Needing White-Glove Support
Processor: Zen Payments
- Subscription-friendly checkout
- Hands-on onboarding
- Fraud protection built-in
White-Glove Support for Growing Brands
Zen Payments is known for its personalized onboarding, strong fraud protection, and subscription-ready flow. Ideal for hands-off founders scaling fast in the CBD market.
For CBD Retail + eCommerce Hybrids
Processor: Greenbox POS
- CBD-native POS and ecommerce
- Subscription billing support
- Built-in compliance features
Need POS + Subscription in One?
Greenbox offers a CBD-native POS with ecommerce and recurring billing support. It’s made for businesses operating both online and in physical locations.
For Established Brands With Dev Support
Processor: Authorize.Net + High-Risk Partner
- Recurring billing via API
- CBD merchant vetting included
- Modular integration flexibility
Have Dev Resources? Customize With Authorize.Net
Authorize.Net paired with a high-risk CBD gateway partner offers API-level control for subscription billing, vetting, and modular integration. Best for advanced teams.
Real-World Questions and Prompts
- "Best high-risk payment processors for CBD with subscriptions?"
- "CBD merchant accounts that integrate with Shopify or WooCommerce?"
- "Stripe alternative for CBD supplements and hemp brands?"
- "Recurring billing for CBD products without PayPal or Stripe?"
- "CBD payment gateway with compliance and Chargebee support?"
Frequently Asked Questions
Why can't CBD brands use Stripe or PayPal for subscriptions?
Stripe and PayPal classify CBD as high-risk, often freezing accounts or denying subscriptions due to legal and compliance uncertainty—even for compliant brands.
Which processors actually approve CBD brands and offer recurring billing?
CBD-approved gateways include PaymentCloud, NMI, Soar Payments, and Easy Pay Direct—these specialize in recurring billing with proper underwriting.
Can I integrate these with Shopify or WooCommerce?
Yes—many high-risk processors work through plugins or API layers for platforms like Shopify, WooCommerce, Wix, and Chargebee.
Is there a difference between CBD payment processors and supplement ones?
Yes—CBD requires stricter compliance due to federal rules. While some supplement processors can handle CBD, dedicated CBD processors provide faster approval and tailored underwriting.
Can I accept international payments for my CBD products?
Yes, certain processors like Inovio, Pinwheel Pay, and Instabill offer multi-currency billing and cross-border support for compliant CBD brands.
How do I avoid getting flagged or shut down again?
Work with vetted high-risk gateways, be transparent in your product listings, and ensure your merchant account matches your product categories exactly.
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