The Best Payment Processing Solutions for 2024


The speed at which you can send, receive, or transfer money at the touch of a button,  cannot be understated.

Digital wallets, payment apps, and Open Banking APIs offer blazing-fast speed, enhanced security, and unique payment capture options not available through old-dated traditional platforms.

As with any online transaction or bank transfer, it is always wise to beta-test your tools.

Give your website visitors multiple payment options. These tools improve your website user experience, improve on-page conversions, and boost sales.


Hemp-derived CBD Products

Our banks and merchant services providers gladly accept;
*Hemp-derived CBD oils & tinctures
*Edibles - gummies and snacks
*CBD-infused bath bombs and salts.
*CBD-infused topical rubs and lotions.
*Hemp flower & pre-rolls.

The Best Rates In the Industry

Rates & Fees: as low as 2.99% plus $0.25 cents per transaction.

best high risk payment processor of 2024, KJ Proweb

Do you sell vape cartridges, eJuice, kratom, mushrooms & minor cannabinoids?

No problem. We work directly with reputable banks, Fintechs, and US-based payment processors who will gladly offer you service.

Legal hemp is defined as any part of the cannabis sativa plant (including  botanical extracts derived from the plant) containing not more than 0.30% Delta-9 tetrahydrocannabinol THC of tetrahydrocannabinol (THC).

Products accepted under this program include:

  • Delta Δ8-THC (vape pens, cartridges, and eJuice)
  • Delta ΔTHCV, THCVA, THCP, HHC, Distillates and Isolates.


Rates and fees are as low as 2.99% plus $0.30 cents per transaction, plus a payment gateway fee of $7.50 per month.

*Click here to view state, federal and card brand compliance requirements.

Acceptable Products


  • Hemp-derived CBD
  • CBD Hemp Flower & Pre-rolls
  • CBD Vapes & Equipment
  • Delta 8 THC
  • Pipes, Bongs & Recreational Glass
  • E-cigarettes
  • Cryptocurrencies
  • Gambling sites
  • Collection Agencies & Telemarketers
  • Website Hosting 
  • SEO, PPC & Digital Advertising

Rates & Fees

KJ Proweb proudly offers true interchange plus pricing, typically fixed at 0.65% basis points plus $0.20 cents per transaction above true Interchange as published by the major card brands.

  • Merchants classified in high-risk industry sectors receive rates and fees as slow as 2.99% plus $0.30 cents per transaction, plus a payment gateway fee of $7.50 per month, if applicable.
best high risk payment processor of 2024, KJ Proweb

Same-Day or 24 Hour Approvals

Submit a complete merchant application together with supporting documentation and your service can be approved and activated within 24 to 48 hours.

Fraud & Charge-Back Prevention

From EMV and PCI compliance to encryption, SSL’s, and more, access the technology that helps you keep your business’ and customers’ information safe.

Transparent Pricing

Honest and straightforward pricing is important to us because it’s important to you. 

Pay attention to how we discuss all rates and fees in advance of signing up for service.

Free Swipe Terminals & Card Readers

Get a free Payanywhere’ Smart Terminal and start accepting payments any way your customer wants to pay and anywhere.

You’ll have everything you need to manage electronic transactions.

best high risk payment processor of 2024, KJ Proweb


Point of Banking (POB) is a system that allows businesses to accept card payments without having a traditional merchant account.

POB machines do not dispense cash like ATMs but provide a cashless transaction experience, allowing customers to pay for products or services at the point of sale.

Here are some benefits of using Point of Banking:

-- Increased Sales: With a Point of Banking terminal, merchants can choose how much money a customer can take out in $5 and $10 increments, and they can also push their sales. Merchants can significantly boost their sales by incorporating POB terminals into their payment systems.

Convenience: POB machines offer convenience to both customers and merchants, as they eliminate the need for physical cash handling while providing real-time transaction validation. Customers can use their debit or credit cards with PIN access to pay for products or services at a variety of businesses.

No Merchant Account Required: POB machines can be helpful for smaller, high-risk merchants, or those with bad credit who struggle to get approved for a traditional merchant account. POB machines allow businesses to accept card payments without having a traditional merchant account.

Record Keeping: POB machines can record digital payments such as credit cards, debit cards, and ACH transactions, and merchants can register and reconcile transactions directly from their dashboard. This feature can help businesses keep track of their finances and streamline their accounting processes.

Increased Security: POB machines provide a secure payment processing solution as they use PIN access to complete transactions. This feature can help reduce the risk of fraud and chargebacks.

best high risk payment processor of 2024, KJ Proweb

Rates & Fees

The merchant does not incur any card process rates or fees whatsoever.

The cardholder is charged a small convenience fee on top of the rounded total. *Approximately $3.95.

Thanks to Point-of-Banking technology dispensary owners can sell their goods and services legally without violating card brand regulations or state law.

We help brands boost online sales by 300% to 1500% within 30 Days.