CBD credit and debit card payments

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Libby James
Merchant Services Expert

Libby James is co-founder, director and an expert in all things merchant services. Libby is the go-to specialist for business with more complex requirements or businesses that are struggling to find a provider that will accept them. Libby is regularly cited in trade, national and international media.

CBD/hemp oil merchant account

CBD stands for cannabidiol, which is one of the compounds found in cannabis. CBD oil is rising in popularity both in the UK and worldwide.  The press widely report on the potential health benefits, but also the possible risks when using CBD products, hence why the sale of the oil is controversial.

CBD card processing

The industry can be a profitable one. However, securing CBD oil merchant processing can be incredibly difficult! Although currently legal, there are very few merchant banks that will accept applications from CBD merchants. The reason for this, understandably, is the huge risk involved. When applying for CBD credit card processing, it’s important to allow up to three weeks before having your account approved. It’s also sensible to expect to pay higher rates and fees.

CBD payment gateway

The majority of CBD and hemp oil products are sold online through ecommerce outlets, therefore securing the correct payment gateway system is imperative. When working in any high-risk sector remaining PCI complaint is paramount to streamline trading. High-risk companies often receive notice from their current card CBD payment processor having failed, to meet compliance standards. Getting it right is important, SPEAK TO US TODAY.


Securing CBD payment processing

At Merchant Advice Service, we work with companies who legally and ethically source CBD products and we will not work with companies that fall outside of law and compliance guidelines. The following will be assessed when applying with any one of our partners; business location, source of supply, shipping and sales, location restrictions and law of origin and location of intended sale.

At Merchant Advice Service, we partner with experienced experts in both CBD and hemp payment processing. Providing you meet both industry and account provider standards our advisors can help. We work with companies based in the UK and Europe as well as America, our service is free of charge.


CBD same day settlement merchant account

High risk accounts often take longer to settle into your business bank account, due to the nature of the payments and the limited providers available. Merchant Advice Service has an approved partner who will offer the same day settlement, dependant on your monthly turnover. Speak to our advisors to find out more.


Terminated and declined CBD merchant accounts

From time to time merchant banks change their criteria and attitude to risks. Subsequently CBD merchant accounts and payment gateways can be terminated. Businesses could of had an account approved by PayPal and then received notice quite quickly OR they could have been processing card payments for some time with a bank such as Viva Wallet, who changed their guidelines meaning CBD accounts are no longer acceptable.


Either way companies have other options available to them. For alternative CBD payment gateways and merchant accounts speak to our experts today.


Cannabis oil payment processing applications

When making an application to a CBD payment processor, it’s essential that your case is packaged correctly, giving you the highest chance of being accepted. Listed below are examples of what would be expected in a successful CBD oil merchant account applicant;


  • Listed on the website – terms of service, refund policy, privacy policy.
  • Business contact details to include name and address, phone number and email address
  • Sales page on website needs to include individual price list
  • Delivery information (including time expectations)
  • GMP certification (goods manufacturing practice)
  • List of active ingredients and suggested serving size


IMPORTANT – cannabis oil merchant card services applications can only be accepted with products that contain less than 0.2% THC. We are unable to assist merchant selling above this level.  Speak to our experts in relation to your requirements to find the most suitable cannabis payment solution for your business needs.


Card machines for CBD companies

Although finding a credit card machine for a CBD business can be difficult, there are options available to UK based retailers. Our experts will guide you through from application stage to delivery of the terminal. To start your CBD application with a UK based provider, speak to us today.

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Libby James

Libby James Co-founded Merchant Advice Service alongside David Bird in 2016. Her finance background, coupled with retail and customer service experience, gave Libby the drive to bring transparency and non-biased advice to the world of merchant services. Having come from the heavily regulated mortgage and insurance industry, Libby found it puzzling that other financial sectors lacked regulation and transparency leaving customers confused and unable to make informed decisions when it came to accepting card payments. This was soon to become Libby’s obsession!

With the help of some of the industry’s best, Libby began to research acquiring banks, complex terminology/regulation, and the problems customers experience within merchant services and payment gateway markets. She spent years on sourcing solutions for complex clients, which previously others were unable to assist with. Libby established relationships with brokers and banks which would soon form the cornerstone of Merchant Advice Service. As a result Libby has been featured in high-profile publications across the web.

Libby is proud to be the entrepreneur’s champion, supporting start-up businesses regularly. Her industry insights can often be found on LinkedIn where she provides free of charge advice and money saving pointers. It’s safe to say she has her finger on the pulse of everything card payments related.

Libby speaks of her experience in founding and running Merchant Advice Service…

‘Merchant Advice Service is one of my greatest achievements to date. We help business owners to overcome card processing issues which can become detrimental to their business. We assist SME’s in finding suitable card payments solutions, helping them create their vision. Each and every day is different, exciting and fore filling. As technology advances I can’t wait to see the way in which the merchant services market advances, and I’m pleased that our business will play a part in educating company owners along the way.’

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