How to Get a CBD Merchant Account

Oct 27, 2017

Cannabidiol, abbreviated as CBD, is one of at least 113 active cannabinoids identified in cannabis. CBD or cannabidiol is a compound in marijuana that offers many benefits without any high. Health experts are describing the benefits of cannabidiol as extraordinary. It’s a promising treatment for epilepsy, forms of cancer and depression, and more.

The fact that CBD is manufactured from the hemp plant makes the industry a high risk one. This means merchants in the field can’t secure payment processing for CBD businesses easily. That’s why it’s critical to turn to a reputable credit card processor like to get approved for CBD merchant accounts without challenges.

EMB is voted the #1 high risk payment processor in the US and has an A+ rating with the BBB. There is no industry EMB doesn’t cover. offers high risk merchant accounts, including medical marijuana merchant accounts, at the lowest possible rates in the industry.

When it comes to banks, they classify businesses in certain industries, as well as many online businesses, as high risk due to various reasons. One of the reasons has to do with large numbers of chargebacks. Chargebacks are the fees that businesses are required by credit card providers to pay to cover the losses caused by disputed or fraudulent transactions.

Merchants are considered high risk based on banks’ underwriting guidelines. That’s the reason why different financial institutions or processors calculate risk differently. Basically, risk is determined based on chargebacks and fraud. The more a business is associated with chargebacks, the greater the risk.

High risk classification is also based on the following factors:

  • Business location
  • Business size
  • Credit history
  • Credit card processing history
  • High chargeback ratios
  • Type of industry
  • Whether a business exclusively operates online

As you see, applying to a true professional in the field is critical to your success. One of the reasons is the nation’s #1 high risk merchant account provider is because EMB prides itself on being there for its customers when they need EMB most. EMB has helped thousands of hard-to-approve merchants get the best for their high risk business needs, and merchants feel confident working with

EMB offers a proven platform, support superiority, quick and hassle-free CBD merchant account application. is focused on providing customers with positive experiences. EMB’s support staff is available 24/7 to answer all your questions.

Let us help you get a high risk merchant account today!

Get Started

Award winning.

  • 2012
  • 2013
  • 2014
  • 2015
  • 2016

Having a merchant account allows an account holder to take advantage of merchant cash advances. When a merchant is approved for an advance, the business agrees to receive a lump sum of cash in exchange for an agreed-upon percentage of future credit card sales.

Pricing varies depending on the merchant’s industry, past credit card processing history, the type of business seeking the account, average ticket sales, and average transaction volumes.

Yes, EMB works with merchants who are building their credit, as well as those who have poor credit. EMB also approves merchants that have no credit card processing history and businesses that have lost their merchant accounts due to high chargebacks.

Several factors influence a merchant’s risk level. Though only one factor likely will not get a merchant classified as high risk, a combination of these may: business size, location, and industry, credit score, credit card processing history, a industry’s reputation for excessive chargebacks, a prior history of high chargeback ratios, and whether a merchant exclusively sells online.

Virtual terminals are stationed on a merchant’s website, making it easy for customers to make a payment or purchase online. Merchants or a payment processor can easily set up virtual terminals, so online businesses can accept credit and debit card and e-check transactions.

A merchant account is a business account with an acquiring bank. Without this business account, which actually works more like a line of credit, a merchant cannot accept and process credit and debit card transactions. Businesses need a merchant account to accept major credit cards via a static point-of-sale terminal, mobile card reader, or through a virtual payment gateway.

After filling out EMB’s simple online application and submitting any necessary, requested documents, many merchants get approved within 24 and 48 hours.

EMB specializes in working with high-risk merchants. EMB works with many merchants, including but not limited to businesses in these industries: gambling and gaming, adult entertainment, nutraceuticals, vaping and e-cigarettes, electronics, tech support, travel, high-end furniture, weight loss programs, calling cards, e-books and software, and telecommunications.

Live Chat