A CBD merchant account from a bank that knows your category

Roots Payments places CBD retailers and online CBD brands with acquiring banks and processors that knowingly underwrite hemp-derived CBD products, so the account is built to last instead of flagged after the first review. We work with virtually any legal business, subject to underwriting; pricing, limits, and terms depend on the acquirer's review. Reserves may apply, and any reserve is disclosed in your agreement before you sign.
Talk to a CBD brand payments specialistAll cbd shops & online cbd stores solutions
Free 30-minute consultation. Review your setup, compare options and leave with clear next steps.

Payment solutions for cbd shops & online cbd stores

How each solution supports cbd shops & online cbd stores

See what each option adds to the way your business takes and tracks payments.

High-Risk Merchant Account

For cbd shops & online cbd stores: Present your model for CBD products, hemp goods and wholesale orders to specialist processing partners, with product and fulfillment documentation prepared. Roots Payments places CBD retailers and online CBD brands with acquiring banks and processors that knowingly underwrite hemp-derived CBD products, so the account is built to last instead of flagged after the first review. We work with virtually any legal business, subject to underwriting; pricing, limits, and terms depend on the acquirer's review. Reserves may apply, and any reserve is disclosed in your agreement before you sign.
  • Pre-underwriting review of your website, checkout, and documents (certificates of analysis for every SKU, product labels, and state registrations)
  • Application packaged and submitted only to acquirers with appetite for your category
  • Plain-English walkthrough of pricing, reserve, and termination terms before you sign

E-commerce Payments

For cbd shops & online cbd stores: Add online checkout for CBD products, hemp goods and wholesale orders, with order references carried through payment and fulfillment. Roots connects your store to a gateway and acquirer that approve your category, with fraud screening and 3-D Secure configured for card-not-present risk.
  • Check that your cart platform's own acceptable-use policy allows your products
  • Gateway setup, fraud-rule tuning, and test transactions before launch
  • Checkout disclosure review (refunds, shipping, age or eligibility limits)
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Chargeback Management

For cbd shops & online cbd stores: Organize evidence for disputed CBD products, hemp goods and wholesale orders, including customer authorizations, delivery details and service records. Roots coordinates chargeback-management services to help your business handle disputes and organize responses.
  • Discuss your business goals on a free consultation
  • Coordinate your provider introduction and setup
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Roots POS

For cbd shops & online cbd stores: Bring CBD products, hemp goods and wholesale orders into a business-tools workflow, with setup, staff training and reporting for product documentation, age checks and shipment records. Consumer POS brands frequently restrict hemp-derived CBD products. Roots POS pairs checkout and inventory tools with processing that is underwritten for your category.
  • Catalog import and SKU setup
  • Hardware recommendations and configuration
  • Staff training on age-verification and refund workflows
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✓

Payment approved

$149.80 · Visa •• 4242

Recurring Billing

For cbd shops & online cbd stores: Schedule and manage payments for permitted product subscriptions and trade replenishment, including renewals and customer account balances. Recurring charges are a leading dispute source for CBD retailers and online CBD brands when customers forget or can't cancel. Roots sets up billing with express consent capture, renewal reminders, simple online cancellation, and account-updater services, in line with ROSCA and state automatic-renewal laws.
  • Review of offer terms and checkout disclosures against ROSCA and state automatic-renewal laws
  • Billing platform setup and gateway integration
  • Descriptor and receipt design that customers recognize
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ACH Payments

For cbd shops & online cbd stores: Offer bank-account payments for CBD products, hemp goods and wholesale orders, with authorization and invoice matching built into the workflow. Bank payments give CBD retailers and online CBD brands a lower-cost option for larger tickets and a backup if card processing is reviewed. ACH has its own risk rules, including return-rate limits under Nacha, so it is underwritten separately.
  • ACH underwriting alongside your card account
  • Authorization language and receipt templates
  • Integration into invoices, checkout, or your CRM
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✓

Transfer initiated

$140.00 · ref ACH-7731

Crypto Payments & Conversion

For cbd shops & online cbd stores: Plan a digital-asset payment option for CBD products, hemp goods and wholesale orders, with conversion and reconciliation mapped to the sale. Crypto gives CBD retailers and online CBD brands another way to get paid when card options are limited. Customers pay in supported digital assets and you can receive U.S. dollars. Crypto conversion is provided through service partners coordinated by Roots. Roots Payments is not a bank, money transmitter, or crypto exchange.
  • Introduction and onboarding support with our service partners
  • Checkout placement alongside card and ACH options
  • Customer-facing FAQ copy
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High-Risk Merchant Account questions

Questions CBD brand merchants ask about approval.
We review the business model, products, website and processing history, then initiate the application with a suitable processing partner.
Bring ownership details, licenses, recent processing statements and clear fulfillment and refund policies. We organize the application around your specific business.
Bring your products, licenses, processing statements and fulfillment policies. Roots uses these details to plan the workflow for cbd shops & online cbd stores and prepare a clear setup scope.
Request a quote for your business and the setup you need. We review the scope and costs with you before you proceed. Consultations and payment reviews are free.

Ready to talk it through?

Book a free 30-minute review. We’ll map your setup, explain the options and work through clear next steps.
Talk to a CBD brand payments specialistAll cbd shops & online cbd stores solutions