A Hemp Flower merchant account from a bank that knows your category

Roots Payments places hemp flower and pre-roll sellers with acquiring banks and processors that knowingly underwrite smokable hemp flower, 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 hemp flower & pre-rolls solutions
Free 30-minute consultation. Review your setup, compare options and leave with clear next steps.

Payment solutions for hemp flower & pre-rolls

How each solution supports hemp flower & pre-rolls

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

High-Risk Merchant Account

For hemp flower & pre-rolls: Present your model for CBD products, hemp goods and wholesale orders to specialist processing partners, with product and fulfillment documentation prepared. Roots Payments places hemp flower and pre-roll sellers with acquiring banks and processors that knowingly underwrite smokable hemp flower, 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 (total-THC COAs, farm or processor licenses, and state shipping lists)
  • 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 hemp flower & pre-rolls: 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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Age & ID Verification

For hemp flower & pre-rolls: Add age and identity checks to restricted CBD products, hemp goods and wholesale orders, with verification recorded in the ordering process. Acquirers approving hemp flower and pre-roll sellers expect real age verification, not a click-through age gate. Roots integrates third-party identity and age checks into checkout and delivery. The new federal definition counts THCA in total THC, which removes most high-THCA flower from 'hemp' from December 11, 2026.
  • Vendor selection and integration
  • Checkout flow review
  • Record-keeping setup for underwriting
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Chargeback Management

For hemp flower & pre-rolls: 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 hemp flower & pre-rolls: 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 smokable hemp flower. 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

Cash Discount Program

For hemp flower & pre-rolls: Design a clearly presented cash-price program for CBD products, hemp goods and wholesale orders, with checkout wording and receipts aligned. Higher-risk pricing hits hemp flower and pre-roll sellers hard at the counter. A cash discount program posts the card price as the regular price and gives customers paying cash a discount, which is structured differently from a surcharge. Roots sets up signage, receipts, and POS settings to match card-brand and state rules.
  • Review of state rules for your locations
  • Signage and receipt setup
  • Staff scripts for customer questions
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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 hemp flower & pre-rolls 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 hemp flower & pre-rolls solutions