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Accept Credit Cards when selling CBD, Delta 8/9,
Vape Products, THCP, THCO, HHC, CBG,
&
Hemp Flower
*Same Day or 24 Hour Approval | *Rates as low as 2.99% plus $0.25 cents per transaction

Acceptable Products List

  • CBD Oils & Tinctures
  • CBD Soft Gel Capsules & Isolate Powder
  • CBD-infused Topical Rubs & Gels
  • CBD-infused Bath Bombs & Bath Salts
  • CBD Edibles: Gummies, Snacks & eJuice
  • Hemp Flower & Pre-rolls: (smoke). *Laboratory COAs must verify 0.30% THC or less
  • Delta 8, D9, D10, Distillates, Isolates and minor cannabinoids - to include THCO, THCP, THCv, HHC, CBC, CBG, CBN, CBT, and more. *Laboratory COAs must verify 0.30% THC by weight volume or less.
  • Vape Products: Pens, Cartridges & Batteries, Pipes, Glass & Bongs (Only hemp-derived. No cannabis).
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Rates & Fees (Full Disclosure)

    • As low as 2.99% plus $0.25¢ per transaction
    • Brand new start-ups gladly accepted.
    • Merchants with no previous processing history may receive slightly higher pricing at 3.95% plus $0.25c per transaction. **Determined on a case-by-case basis.
    • Multiple payment gateways available with seamless integration into all popular website builders.
    • Gladly accepting brand new startups with no previous business history
    • Next-day settlement of funds
    • No rolling reserve ‘hold on funds’ or account freezes.
    • Approval timeframe is typically the same day or within 48 hours.


      *Conditional Acceptance & Pending Approvals: the applicant must provide the required supporting documents for underwriting purposes.

      **No monthly recurring fees if sales volume is $50.00 per month or greater.

      ***All hemp-derived CBD products must not exceed 0.30% THC by weight volume. Cannabis products are strictly prohibited.

 

Sell From a Website

*2.99% up to 3.95% + $0.25¢ per transaction

*Plus fixed monthly recurring fees of $20.00 up to $50.00 per month based on sponsoring bank underwriting review as determined on a case-by-case basis. **If using Pinwheel/Bankful as the payment gateway gateway the above fees do not apply.

Sell From a Retail Storefront

Rates as low as 2.99% + $0.20¢
per transaction

*Merchant may purchase a brand new, fully warranted POS swipe terminal. Pricing for swipe point-of-sale terminals varies from $289.00 to $330.00 each.

Virtual Terminal

Accept credit cards and debit cards over the telephone, by email invoice, through a custom-built website payment capture form, or SMS text.

CLICK TO SIGN UP
Approval Timeframe
of same day or within 48 hours

Website Compliance Requirements

To avoid untimely delays in the approval process, make certain that your website contains all seven policy pages. Federal Trade Commission guidelines strictly prohibit the publication of unsubstantiated medical claims relevant to the use of CBD products.

Website Policy Pages
*Must be Published

 
  1. Returns Policy – must clarify terms and conditions for accepting product returns.
  2. Refunds Policy – must describe the conditions upon which a refund will be approved, the method and time frame that funds will be received.
  3. Terms of Use Policy
  4. Privacy Policy
  5. Shipping & Delivery Policy
  6. FDA Disclaimer Statement – preferably published in the footer section of your website clearly visible for all to see.
 
 
 

No Unsubstantiated Medical Claims or Promised Health Benefits

The U.S. Food & Drug Administration (FDA)  Federal Trade Commission strictly prohibits making any statements, claims or allegations that could be interpreted as a health benefits derived from the regular use of CBD  products. 

Remove any statements that could be interpreted as “pain relief”, cure, remedy or improved health. 

 

Published Laboratory Certificates of Analysis (COAs)

The merchant must publish on the target website valid independent laboratory issued Certificates of Analysis (COAs)  for each batch of CBD product sold.

If hemp flower and pre-rolls are sold each product must hold a valid laboratory Certificate of Analysis.

As an industry best practice, publish a hyperlink in the footer section of the website leading to the COAs.




Submit The Following Documents

Our partner banks will need to review specific business documents prior to the approval of your merchant account.

1. Scan each document.
2. Give each document an appropriate name for easy identification.
3. Upload your documents to a DropBox folder or a Google Drive folder and email us a link to that folder. [[email protected]]

Certificate of Incorporation / Articles of Incorporation & Operating Agreement – if your business is a sole proprietorship submit a copy of your Doing-Business-As (DBA) registration paperwork.

  • Proof of Business with Business Address (Home or Business). 
  • Tax Permit of Business License

Proof of address can be verified by submitting a copy of a Lease agreement or Utility Bill.

Submit a copy of laboratory issued Certificates of Analysis (COA’s) for each batch of hemp flower, pre-roll or CBD sold on the website.

  • All COAs provided must match the end product in its final state that is being sold on the website; not just the CBD isolate used to make the products.  
  • Testing needs to be completed by approved and accredited third-party laboratory.  
  • COAs must show a full contaminant test was conducted, including Heavy Metals, Microbials, Pesticides, and Solvents (if applicable) for all products meant for human use. Not just THC levels. 

Submit a color copy of government issued personal identification of the owner and each person holding 25% ownership interest in the company. 

  • The bank statements must match the legal name of the applicant
  • If the applicant is a new business with no processing history, three months of Personal statements (summary pages) can be provided 
  • Will accept Square/Stripe Excel/CSV will be accepted  
  • Voided Check or Bank Letter - with the full account number & routing number and states the account is in Good Standing & Must be dated within last 30 days of submission. 

Submit a voided check to identify the account where funds shall be deposited. If you do not have a voided check a letter from your bank signed by a representative of your bank will do.

Click to Start the Application Process

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SERVICE DISCLAIMER & LIABILITY WAIVER: Under no circumstances does the submission of an application for a merchant account, payment of bank imposed application fees (if any) or any other fees make up guaranteed approval of your merchant application. The ISO/sales agent shall not be held financially responsible nor liable for any costs, fees, business expenses or any losses if an application for a merchant account is declined.

 

INDEMNIFICATION & WAIVER OF RISK & LIABILITY

Merchant/Applicant agrees to indemnify, defend, and hold harmless KJ Proweb, its officers, directors, agents, employees, and suppliers from and against any lawsuit, claim, liability, loss, penalty or other expense (including attorneys’ fees and cost of defense) they may suffer or incur as a result of (i) a bank, ISO/MSPs inability to deliver merchant processing services as described in an Enrollment Application for Service. This indemnification and waiver of liability include, but is not limited to (ii) unforeseen actions by a federal government agency that may place hemp-derived CBD products into a high risk or ‘prohibited category by major card brands, thus making it impossible to receive traditional merchant processing for the same. If you, the merchant/applicant do not agree with nor accept this Indemnification and Waiver of Liability in its entirety, do not apply for service.