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Same-day or next-day approvals for most businesses. Start accepting payments in 24-48 hours with our streamlined onboarding process.
Transparent Interchange Plus pricing as low as 3.39% + $0.25 per transaction for eCommerce. No hidden fees, no surprises.
Connect with every major eCommerce platform instantly. Our payment gateways work seamlessly with your existing tech stack.
PCI Level 1 compliant with advanced fraud protection, tokenization, and encryption to safeguard every transaction.
Credit cards, debit cards, digital wallets (Apple Pay, Google Pay), ACH transfers, cryptocurrency, and more.
Comprehensive dashboards with transaction reports, sales trends, and insights to help you make data-driven decisions.
One-click integration with the tools you already use
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40% North American Market Share
Revolutionary Zero-Cost Processing
Standard merchant accounts with competitive interchange-plus pricing. Perfect for established businesses with consistent processing volume.
Pass credit card fees to customers who choose to pay by card. Keep 100% of every sale with compliant cash discounting.
Specialized solutions for CBD, hemp, nutraceuticals, subscription services, and other high-risk industries.
Accept payments in 30+ countries with multi-currency support and unified reporting across all locations.
Automated subscription management with smart retry logic and account updater to reduce declined payments.
Accept Bitcoin, Ethereum, and stablecoins with instant conversion to USD and zero chargeback risk.
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Track sales, inventory, and customer data in real-time from any device
Automated subscription and invoice management included
Get paid fast with next-business-day deposit options
Standard merchant accounts with competitive interchange-plus pricing. Perfect for established businesses with consistent processing volume.
Pass credit card fees to customers who choose to pay by card. Keep 100% of every sale with compliant cash discounting.
Specialized solutions for CBD, hemp, nutraceuticals, subscription services, and other high-risk industries.
Accept payments in 30+ countries with multi-currency support and unified reporting across all locations.
Automated subscription management with smart retry logic and account updater to reduce declined payments.
Accept Bitcoin, Ethereum, and stablecoins with instant conversion to USD and zero chargeback risk.
Join thousands of businesses processing millions in payments through our platform
KJ ProWeb stands out from other high-risk payment processors in several key ways:
Specialized Industry Focus: KJ ProWeb caters specifically to high-risk industries such as hemp-derived CBD, CBD hemp flower, pre-rolls, CBD vapes, Delta 8 THC, and other challenging sectors like cryptocurrencies and gambling sites. *1.
Competitive Pricing: They offer true Interchange plus pricing, with rates as low as 3.3% plus $0.25 per transaction for high-risk merchants, which is competitive in the industry. *2.
Rapid Approval Process: KJ ProWeb provides same-day or 24-hour approvals, with service activation possible within 24 to 48 hours of submitting a complete application. *3.
Transparent Pricing Structure: The company prides itself on honest and straightforward pricing, discussing all rates and fees upfront before service signup. *4.
Comprehensive Fraud Protection: KJ ProWeb offers advanced fraud and chargeback prevention measures, including EMV and PCI compliance, encryption, and SSL security. *5.
Free Equipment: Merchants receive a free Payanywhere Smart Terminal, allowing them to accept various payment methods anywhere. *6.
Affordable Payment Gateway Fees: Their high-risk friendly payment gateway comes with fraud monitoring for just $25.00 per month, with no sign-up or application fees.
Diverse Payment Solutions: KJ ProWeb offers multiple payment gateway integration options for online sellers and point-of-sale terminals for retail storefronts, catering to various business models.
Extensive Banking Network: The company works with over 30 sponsoring banks, top digital ISOs, and ISVs, which can speed up the application approval process and onboarding.
Regulatory Compliance Assistance: KJ ProWeb helps businesses navigate the complex regulatory landscape associated with high-risk industries.
These features collectively make KJ ProWeb a compelling choice for businesses in high-risk sectors seeking reliable and tailored payment processing solutions.
At present, there is not a specific Merchant Category Code (MCC) exclusively for hemp-derived CBD products. However, CBD merchants are typically categorized under the following MCCs:
MCC 5499: This code is used for specialty markets and convenience stores, and is often applied to CBD merchants that exclusively sell products containing less than 0.3% THC.
MCC 5912: This code covers “Drug Stores and Pharmacies” and is often used for businesses selling cannabis and CBD products where legal.
MCC 5999: Mastercard may categorize some CBD merchants under this code for “Miscellaneous Retail”.
It’s important to note that the classification can vary depending on the merchant’s primary business focus and the specific policies of the payment processor or acquiring bank. CBD merchants are generally considered high-risk, which can affect their payment processing options and fees.
Additionally, as of March 2025, the regulatory landscape for CBD products is still evolving, and merchants in this space face challenges in obtaining consistent categorization across different payment networks47.
CBD merchants can employ several strategies to increase their chances of getting approved for credit card processing, particularly given the high-risk nature of the industry:
Verify that all products contain less than 0.3% THC by weight volume and comply with federal and state regulations.
Provide certificates of analysis (COAs) from DEA-registered labs for each product batch to demonstrate compliance.
Implement strict age-verification procedures and avoid selling in states where CBD is prohibited.
Submit all required business licenses, tax information, bank statements, and permits.
Include detailed product descriptions, COAs, and proof of regulatory adherence.
Maintain a clear inventory management system to track product origins and sales.
Partner with processors experienced in high-risk industries, such as Best Rate Merchant Services, Durango Payments, Payment Cloud, Merchant Broker, PayBotic, CBD Pay, CanPay, or PAYCLY Merchant Services. *KJ ProWeb has ISO/agent agreements with each of these companies and over 30 sponsoring banks.
Research processors thoroughly to ensure competitive rates, transparent fees, and strong service agreements.
Larger processors like Stripe and Square may also accept CBD merchants who meet stringent requirements. However, these two companies are notorious for changing their policies without sufficient advance notice to CBD sellers. An unreliable payment processor can cause significant disruptions to cash flow and business continuity.
Maintain a healthy credit score for the business owner or company to improve approval chances.
Demonstrate stable sales volumes and consistent operating hours to reassure payment processors.
Use advanced fraud detection systems, secure payment gateways, and real-time monitoring tools to reduce risk.
Implement tokenization to safeguard sensitive customer data and lower interchange fees.
Offer alternative payment methods like digital wallets, cryptocurrency, pay-by-bank (e-debit), or e-checks, while awaiting approval for credit card processing. These are excellent options and often less expense compared to traditional credit card processing.
Emphasize non-ingestible products such as topicals or skincare items during the initial application process to reduce perceived risks.
Request a direct conversation with underwriters to explain compliance measures and address concerns.
Seek feedback on past application declines to resolve deficiencies before reapplying1.
Obtain insurance policies for product liability, inventory loss, and business interruption to transfer risks away from banks.
If declined initially, reapply after addressing feedback or deficiencies.
Explore alternative funding options like private capital or merchant financing during startup phases.
By combining rigorous compliance measures, strategic partnerships with specialized processors, and proactive risk mitigation efforts, CBD merchants can significantly improve their chances of securing reliable credit card processing solutions.
Answer from Perplexity: pplx.ai/share
MCC codes significantly impact CBD merchants’ ability to get approved for credit card processing in several ways:
Risk Classification: CBD merchants are often categorized under high-risk MCCs, which can make it more challenging to obtain credit card processing services.
Inconsistent Categorization: There’s no specific MCC for CBD products, leading to inconsistent categorization. CBD merchants may be classified under various codes such as:
MCC 5499 (Specialty markets and convenience stores)
MCC 5912 (Drug stores and pharmacies)
MCC 5999 (Miscellaneous retail)
Stricter Regulations: High-risk MCCs trigger additional scrutiny and regulations from card networks, making the approval process more complex and time-consuming.
Higher Fees: Merchants with high-risk MCCs often face higher processing fees and stricter terms due to the perceived increased risk of chargebacks and fraud.
Limited Options: Many payment processors and banks are hesitant to work with CBD merchants due to their historical reputation, even if they’re not officially designated as high-risk.
Additional Requirements: CBD merchants may need to undergo more rigorous underwriting processes and provide additional documentation to secure credit card processing services.
Potential for Account Closure: Even if approved, CBD merchants with high-risk MCCs face a higher risk of account closure if they don’t adhere to strict compliance standards.
Impact on Business Operations: The challenges in obtaining reliable credit card processing can affect a CBD merchant’s ability to operate efficiently and grow their business.
To improve their chances of approval, CBD merchants should ensure they’re accurately categorized, comply with all regulations, and consider working with payment processors specializing in high-risk industries.
The FDA plays a central role in regulating CBD products:
It has concluded that existing regulatory frameworks for foods and supplements are not appropriate for CBD. *1.
The agency can take action against companies making unsubstantiated health claims about CBD products. 2.
FDA prohibits adding CBD to food products or marketing it as a dietary supplement. *3.
A new regulatory pathway for CBD is being explored to balance consumer access with necessary oversight. *4.
The USDA has established guidelines for hemp production and interstate commerce:
It issued regulations implementing the 2018 Farm Bill, which legalized hemp at the federal level. *1.
USDA rules state that states cannot prevent the interstate transportation of hemp produced in compliance with the Farm Bill. *2.
The DEA’s role has changed since the 2018 Farm Bill:
It no longer has jurisdiction over hemp-derived products containing less than 0.3% THC. *1.
The agency focuses on larger-scale operations and drug trafficking rather than individual users. *2.
The FTC is involved in regulating CBD marketing practices:
It targets deceptive advertising and unfair business practices in the CBD market3.
Companies making false health claims or engaging in deceptive trade practices may face warning letters, cease and desist orders, or legal action. *3.
These agencies work together to create a regulatory framework for hemp-derived CBD products, addressing issues of production, interstate commerce, marketing, and consumer safety. However, the landscape remains complex, with ongoing discussions about creating more comprehensive and tailored regulations for CBD products.
Several federal agencies are primarily responsible for enforcing CBD regulations:
Food and Drug Administration (FDA): The FDA plays a central role in regulating CBD products. *1. It enforces laws related to:
Marketing claims of therapeutic benefits or disease treatment
Addition of CBD to food products
Interstate commerce of CBD products
Approval of CBD-based drugs
Federal Trade Commission (FTC): The FTC works independently but often coordinates with the FDA. *2. It focuses on:
Deceptive advertising practices
Unsubstantiated health claims
Enforcement actions, including monetary fines for false claims
United States Department of Agriculture (USDA): The USDA is responsible for. *1:
Setting baseline rules for federal regulation of hemp and its derivatives
Reviewing and approving state-level hemp regulations
Drug Enforcement Administration (DEA): While the DEA’s role has diminished since the 2018 Farm Bill, it still. *3:
Enforces controlled substance laws and regulations
Focuses on larger-scale operations and drug trafficking
U.S. Customs and Border Protection (CBP): While not primarily responsible for CBD regulation, CBP plays a role in:
Enforcing regulations at borders and ports of entry
Monitoring the import and export of CBD products
These agencies work together to create and enforce a regulatory framework for CBD products, addressing issues of production, interstate commerce, marketing, and consumer safety.
The FDA regulates the interstate sale of CBD products through several key measures:
Therapeutic Claims: The FDA prohibits the marketing of CBD products with therapeutic claims unless they have been approved by the agency. Any CBD product marketed as having health benefits or treating diseases must receive FDA approval before it can be sold across state lines. *1, 2.
Food and Dietary Supplements: The FDA has determined that it is unlawful to introduce food containing added CBD into interstate commerce or to market CBD products as dietary supplements. *2. This is because CBD is an active ingredient in FDA-approved drugs and was the subject of substantial clinical investigations before being marketed as food or supplements. *3.
Enforcement Actions: The FDA takes enforcement action against companies illegally selling CBD products that make unsubstantiated health claims or violate other regulations. This includes issuing warning letters to companies marketing unapproved CBD products. *4.
Pathways for Legal Marketing: While the FDA restricts many forms of CBD product sales, it recognizes pathways for the lawful introduction of cannabis and cannabis-derived products into interstate commerce. This includes FDA approval of drugs containing CBD, such as Epidiolex. *5.
Ongoing Regulatory Development: As of 2023, the FDA has announced that existing food and dietary supplement regulatory pathways are not appropriate for CBD products. The agency is exploring new regulatory approaches to address the growing CBD market. *6.
Collaboration with Other Agencies: The FDA works in conjunction with other federal agencies, such as the FTC, to regulate CBD product marketing and interstate commerce. *7.
It’s important to note that while hemp was legalized under the 2018 Farm Bill, the Food and Drug Administration retains its authority to regulate CBD products under the Food, Drug, and Cosmetic Act, regardless of whether they are derived from hemp.
The FDA enforces its regulations on CBD products sold online through several key methods:
Warning Letters: The FDA issues warning letters to companies selling CBD products online that violate regulations, particularly those making unsubstantiated health claims or marketing CBD as dietary supplements. *1 , *2.
Risk-Based Enforcement: The agency employs a risk-based approach, prioritizing enforcement against products making misleading claims that could lead consumers to forgo effective treatments or products posing significant safety concerns. *3.
Monitoring Online Sales: The FDA actively monitors the online marketplace for CBD products that violate regulations, especially those sold across state lines. *4.
Collaboration with FTC: The FDA works in conjunction with the Federal Trade Commission to target deceptive advertising practices and unsubstantiated health claims for CBD products. *5.
Public Statements and Guidance: The FDA issues public statements and guidance to inform consumers and businesses about the legal status of CBD products and potential risks. *6.
Enforcement Actions: In cases of significant violations, the FDA may take more severe enforcement actions, including product seizures or injunctions against companies. *7.
Operation CBDeceit: In collaboration with the FTC, the FDA has participated in enforcement sweeps targeting companies making unsubstantiated drug claims about CBD products. *8.
Consumer Warnings: The FDA issues consumer updates warning about the risks of mislabeled or contaminated CBD products sold online. *9.
As of March 2025, the FDA continues to refine its approach to CBD regulation, with ongoing evaluations of potential regulatory pathways for CBD products. However, the agency maintains its stance that adding CBD to food products or marketing it as a dietary supplement without approval remains illegal under federal law.
Companies making unsubstantiated health claims about CBD products face several significant consequences:
Warning Letters: The FDA and FTC issue warning letters to companies making unsubstantiated health claims, requiring them to address the agencies’ concerns within 15 days. *1.
Civil Penalties: Companies can face civil penalties of up to $50,120 per violation. In some cases, each day of continuing activity could be considered a separate violation. *2.
Enforcement Actions: The FTC can take legal action against companies, as demonstrated by the case against Kushly Industries LLC, which resulted in a $30,583.14 payment to the FTC. *3.
Product Seizures: In cases of significant violations, the FDA may take more severe enforcement actions, including seizing products. *4.
Injunctions: The FDA can seek injunctions against companies to halt the sale of products with unsubstantiated claims. *5.
Reputational Damage: Public warnings and enforcement actions can harm a company’s reputation and consumer trust. *6.
Market Restrictions: Companies may be prohibited from making certain claims about their products in the future, limiting their marketing capabilities. *7.
Consumer Redress: In some cases, companies may be required to provide refunds or other forms of compensation to consumers who purchased products based on false claims. *8.
Increased Scrutiny: Companies that receive warnings may face heightened scrutiny from regulatory agencies in the future. *9.
These consequences underscore the importance of ensuring that all health claims for CBD products are backed by competent and reliable scientific evidence before being marketed to consumers.
As highlighted in the FIS Global Payment Methods Report 2023, digital wallets have taken the lead as the preferred payment method globally, utilized in both e-commerce and point-of-sale (POS) systems.
They comprised 49% of the total transaction value for e-commerce payments in 2022 and 32% of the total transaction volume for POS transactions. Credit cards ranked second in popularity across both segments, while debit cards were the third most favored payment method among customers around the world.
According to a Forbes Advisor article published in August of 2023, *53% of Americans prefer to use a digital wallet rather than a traditional payment method. The article discusses the rise of digital wallets and their increasing role in transforming the payments landscape.
Which digital wallets are most popular for CBD transactions?
The most popular digital wallets for CBD transactions in March 2025 include:
Apple Pay: Widely supported by CBD-friendly payment processors like MONEI, Apple Pay is a secure and convenient option for online and in-store CBD transactions.
Google Pay: Frequently integrated by CBD payment processors, Google Pay offers seamless mobile payments and is compatible with platforms like MONEI and Clearent.
PayPal: Some CBD-friendly processors, such as MONEI, support PayPal for CBD transactions, making it a popular choice for online purchases. Do not make the mistake of using PayPal as your eCommerce payment processor if you sell CBD or other federally regulated products. Your account will most likely get shutdown, funds will be seized, and many CBD sellers have ended up on the dreaded “black list”, meaning they become ineligible for a merchant account with a different payment processor.
Click to Pay: This digital wallet is increasingly used for CBD eCommerce transactions due to its ease of use and compatibility with multiple processors.
These wallets are supported by specialized payment processors that cater to high-risk industries like CBD, ensuring compliance with regulations and secure payment processing.