greenlit

High-risk merchant account

CBD & cannabis merchant accounts

You built a licensed, lab-tested CBD brand — and then a form email froze your account and held your money for 180 days. To a generalist risk model, "hemp" and "fraud" look identical, so Stripe, Square and PayPal shut you off the moment volume climbs.

  • Federally grey-area products trigger automatic declines at aggregators.
  • High re-order and refund volume reads as elevated risk.
  • Compliance and lab-testing rules vary by state and by bank.
✓ 24-hour approvals✓ Keep your bank✓ No shutdowns

Get approved for CBD & cannabis

Tell us about your business — pre-qualify in minutes.

Secure · No impact to your credit

50+ industries approved
24–72 hour approvals
No sudden shutdowns
Keep your gateway
CBD & cannabis

The problem

Why CBD & cannabis keeps getting shut off

The problem was never your business. Aggregators onboard you in five minutes, then offboard you the first time a bank compliance team notices the MCC. You need an acquirer that said yes to CBD on purpose — and won’t change its mind next quarter.

Greenlit places you with a bank that approves CBD & cannabis on purpose — and keeps you there.

What you get

Built to keep you processing

24-hour approvals

Bank-driven underwriting, not instant-freeze aggregators.

Chargeback defense

Visa & Mastercard alerts with automated dispute responses.

Multi-MID balancing

Spread volume across banks so caps never freeze you.

Keep your gateway

NMI, Authorize.net and 200+ integrations supported.

24–72htypical approval time
2.5–6.5%typical processing rate
5–20%rolling reserve range
~1%dispute ratio threshold

Typical industry ranges. Your exact terms depend on the acquiring bank and your business profile.

Answers

CBD & cannabis payment questions

Can I accept cards for CBD online?+

Yes. We place CBD and hemp merchants with acquiring banks that specialize in the vertical, so you can accept Visa and Mastercard without the shutdown risk of aggregators.

How fast can I be approved?+

Most CBD accounts are approved within 24–72 hours once your documents and compliance are in order.

Will my account get frozen like on Stripe?+

A dedicated merchant account is underwritten for CBD up front, so growth and volume spikes do not trigger the automatic reviews and freezes that aggregators run.