CBD & Hemp Payment Processing
Compliant, cost-effective payments. Now classified as Medium Risk, not High Risk.
“CBD businesses face evolving regulations, banking restrictions and elevated processing fees. Bank declines and account freezes due to risk misclassification, high-risk interchange rates, PCI complexity around age-gated sales, and slow settlements all strain inventory cash flow.”
How FinTech 5 solves it.
FinTech 5 now categorizes CBD as Medium Risk, not high risk, which means significantly better rates and fewer banking headaches. We deliver medium-risk interchange, compliant PCI tokenization, omni-channel support for Shopify, WooCommerce and BigCommerce, subscription billing for monthly product boxes, and a dedicated account manager who knows the evolving CBD regulatory landscape.
Our consulting is funded by our processor partners. You pay nothing for our analysis, negotiation, or ongoing support.
Three steps to better rates.
From statement to savings, with zero disruption and zero cost to you.
Share your statement
Upload your most recent processing statement. We analyze every line item: interchange, processor markups, monthly minimums, and every fee in between.
We run a competitive bid
Your profile goes to 10+ tier-1 processors simultaneously in a blind bid. They compete. You don't negotiate; we do.
Choose and lock in savings
We present the winning offer with full transparency on every rate component. You decide. New rates are live within 5–10 business days.
Built for any business that takes payments seriously.
Whether you're a single-location operator or a multi-site enterprise, the same hidden fees are draining your margin. We fix that, at any scale, with zero upfront cost.
Why does FinTech 5 classify CBD as Medium Risk instead of High Risk?+
Regulatory clarity around hemp-derived CBD has improved enough that we no longer treat it the same as traditional high-risk categories, which translates directly into better interchange rates and fewer banking restrictions for you.
Will my account get frozen like it has with other processors?+
Bank freezes are usually caused by risk misclassification — treating CBD like a high-risk category it no longer has to be. Correct classification is the fix, not just better monitoring after the fact.
Can I sell both retail and wholesale through the same account?+
Yes, omni-channel support covers Shopify, WooCommerce, and BigCommerce for retail, plus B2B invoicing for wholesale partners, all under one account.
Do you support subscription boxes?+
Yes, subscription billing for monthly product boxes is built in, with smart retry logic to recover failed payments instead of just canceling the subscription.
Adjacent verticals we serve.
See what you could save.
Free analysis. Often 15 minutes.
Upload your merchant statement and get a line-by-line audit with competitive bids from 10+ processors. No consulting fees. Ever.
Free. No obligation. No high-pressure sales calls.