A CBD Merchant Account That Actually Stays Open
CBD is legal, but most processors still treat it as forbidden. SwissPay places hemp and CBD brands with acquirers built for the category, so your payments keep clearing and your payouts keep landing.
A CBD merchant account is a payment account held with an acquiring bank that underwrites hemp and CBD on purpose, unlike Stripe, PayPal or Square, which prohibit it in their terms. SwissPay places CBD and hemp brands with CBD-friendly acquirers, with fair pricing, chargeback protection and approval in about 48 hours.
Why CBD merchant accounts keep getting shut down
The mainstream processors, Stripe, PayPal, Square and most of their resellers, prohibit CBD in their terms, even for fully compliant hemp-derived products. Merchants get approved by an automated signup, process for a few weeks, then have the account frozen and funds held once a review catches the category.
The fix is not another aggregator that will close you next month. It is a real merchant account with an acquiring bank that underwrites CBD on purpose and expects your business.
How SwissPay keeps CBD merchants processing
SwissPay places your CBD business with an acquiring bank that underwrites hemp on purpose, then protects the account with fraud scoring and chargeback tooling. Pricing reflects the category fairly, with no high-risk penalty markup, and one integration lets you add products or subscriptions without rebuilding.
Acquirers that want the category
Your volume is placed with banks that underwrite hemp and CBD, not with a generalist that tolerates you until an algorithm flags it.
No penalty pricing
Compliant CBD should not carry punitive rates. We route you to fair pricing for the category, not a high-risk surcharge for its own sake.
Chargeback protection built in
Real-time fraud scoring plus automated chargeback alerts and representment keep your ratios inside the thresholds acquirers care about.
One integration, room to grow
Add products, subscriptions or new markets and the routing adapts behind a single API. No rebuild.
How onboarding works
Onboarding is one application, not separate paperwork per bank. You share your products, volume and compliance including lab reports, we match you to a CBD-friendly acquirer, and you go live on a single API and dashboard in about 48 hours, settling internationally if you sell abroad.
- 1Apply once
Tell us about your products, volume and compliance, COAs and lab testing included. One application, no per-acquirer paperwork.
- 2We match you to a CBD acquirer
Our team places your business with the bank in the network most likely to approve and price it well.
- 3Go live in about 48 hours
You integrate against one API and dashboard and start settling, in 135 currencies across 190+ countries if you sell internationally.
Built for the whole CBD shelf
Tinctures and oils, topicals, gummies and edibles, capsules, pet CBD and broader hemp wellness are all supported, whether you sell one-time or on subscription. If a processor has closed you for selling CBD, there is a strong chance we have an acquirer that will take the account.
Stop losing accounts to the CBD ban
Get a merchant account underwritten for CBD, not one that will freeze your funds next month.
Get my CBD accountRelated
Frequently asked questions
Is a CBD merchant account legal?
Why did Stripe or PayPal close my CBD account?
What do I need to get approved?
Will I pay much higher fees?
Get approved in 48 hours
Tell us about your business. One application, no per-acquirer paperwork, and a routing recommendation back fast.
- One application covers every acquirer in the network
- A real approval path for higher-risk categories
- No re-integration as your volume grows