High-Risk Merchant Service for CBD & Hemp

Navigating the complex world of payment processing can be one of the most difficult challenges for entrepreneurs in the CBD and hemp industry. Even though hemp-derived CBD products are federally legal in the U.S., many financial institutions still label these businesses as high-risk. This outdated perception leads to frustrating outcomes such as sudden account closures, withheld funds, delayed approvals, and outright rejections.

At 100Services, we understand how vital seamless and secure payment systems are to the success of your business. That’s why we’ve built a dedicated, 100% free service tailored exclusively to help CBD & hemp merchants connect with vetted high-risk payment processors who know your industry and are ready to work with you.

Whether you sell CBD oils, tinctures, edibles, topicals, or hemp-based wellness products, our mission is simple: to help you get approved quickly, compliantly, and confidently — with no fees, no delays, and no stress.

💡 Why Are CBD & Hemp Merchants Considered High-Risk?

Even after the passing of the 2018 Farm Bill, which legalized hemp-derived products containing less than 0.3% THC, the financial and banking sectors still treat the CBD industry with extreme caution. Here’s a breakdown of why your business might be flagged as high-risk:

1. Regulatory Complexity

Every U.S. state has its own rules regarding CBD — from labeling and packaging to sale restrictions. This patchwork of laws creates confusion for banks and processors, who may fear liability or federal scrutiny if something isn’t compliant. Even if your business is fully legal, the mere perceived risk of non-compliance makes providers hesitant.

2. High Chargeback Rates

CBD customers often buy products without fully understanding the effects, dosage, or purpose. This can lead to dissatisfaction and chargebacks — a red flag for any payment processor. Some customers may also dispute charges due to unclear refund policies or misconceptions about legality.

3. Advertising Restrictions

CBD merchants face limitations across platforms like Facebook, Google, and Instagram. As a result, some turn to less regulated advertising channels — which can be seen as risky or non-transparent by traditional processors.

4. Product Misunderstanding

There is still widespread confusion between CBD, THC, and marijuana in the banking sector. Many underwriters and risk analysts mistakenly assume that CBD products are illegal narcotics or that they contain psychoactive substances — even when they comply with federal guidelines.

💡 Bottom line: Even if your business is 100% legal and ethical, it still needs a high-risk merchant account designed specifically for CBD and hemp transactions.

💸 100% Free Service — No Fees, No Subscriptions, No Catch

We believe in empowering CBD businesses by giving them access to trustworthy financial services — without charging a single dollar.

At 100Services, you’ll never pay for:

✅ Setup fees or onboarding costs

✅ Consultation or “application help” fees

✅ Hidden or surprise charges

✅ Revenue-sharing or commissions on your sales

Our business model is built on processor-funded referral fees, meaning we only get paid if and when we connect you with a payment provider and you get approved. And even then — you don’t owe us anything. You’ll get the exact same rates and terms as if you had gone directly to the provider — with the added benefit of our guidance, support, and industry insight.

🔧 How We Help CBD & Hemp Merchants Get Approved — Step-by-Step

We take pride in offering a hands-on, personalized service that goes beyond simply pointing you to a list of processors. Our process is clear, strategic, and tailored to your needs:

1. We Learn About Your Business

We start with a discovery call or form to understand:

• The specific types of products you sell (e.g., full-spectrum oils, CBD gummies, vapes, skincare)
• Your sales volume and growth goals
• Your business structure (online, physical store, or hybrid)
• Whether you offer subscriptions, wholesale, or international shipping

This ensures we match you with the most appropriate high-risk provider.

2. We Connect You with the Right Processor

Through our pre-screened network of CBD-friendly high-risk processors, we connect you with the ones best equipped to serve your business — including those who already understand the FDA and DEA guidelines, labeling laws, and lab-testing requirements.

3. We Guide You Through the Application

You won’t have to guess what to submit. We assist you in gathering:

• Lab results and COAs
• Refund and shipping policies
• Product descriptions
• Licensing information
• Bank account details

We help you avoid common pitfalls that lead to delays or denials.

4. We Support You After You’re Approved

Approval is just the beginning. We offer ongoing support with:

• Gateway integrations (Shopify, WooCommerce, BigCommerce, etc.)
• Chargeback protection tools
• Recurring billing setup
• Technical support for payment terminals or online checkout

Our team is available to ensure your payment solution scales with your business.

🛒 What Types of CBD & Hemp Merchants Do We Support?

We proudly serve a wide variety of CBD and hemp-related businesses, including:

• Full-spectrum and broad-spectrum CBD oils
• CBD edibles like gummies, chocolates, and honey sticks
• Capsules, supplements, and softgels
• Topicals: creams, salves, lotions, and skincare items
• Pet CBD products for dogs and cats
• Hemp textiles, apparel, and eco-friendly accessories
• Subscription boxes featuring bundled wellness items

From startups with limited inventory to established brands processing over $100,000 monthly — we’re ready to help.

🚀 Features You’ll Get from Our Trusted Processors

When you work with a payment processor we recommend, you’ll gain access to features specifically built for CBD & hemp compliance:

• Secure credit & debit card processing with fraud protection
• Recurring billing & auto-renewals for subscription boxes
• Mobile-friendly gateways and virtual terminals for remote sales
• Chargeback alerts and mitigation tools to protect your revenue
• Seamless integration with Shopify, WooCommerce, Magento, and more
• Compliance support, including guidance on lab testing, age verification, and label transparency

All these tools are essential for running a stable, scalable, and compliant payment environment.

🤝 Why Our Services Are Completely Free — Explained

We get asked this a lot — and it’s a fair question. Here’s how we’re able to offer premium service at zero cost:

1. When you get approved by a processor through us, they pay us a referral fee.
2. You still get the exact same pricing as you would on your own — no markups or added costs.
3. You benefit from our expert advice and strategic matching, without paying a cent.
4. We only work with reputable, fair processors who have experience in the CBD sector.
5. Our only incentive is to see your business succeed — because we only get paid when you do.

This lets us focus entirely on helping you grow — without any conflict of interest.

📑 What Documents Are Required for CBD Merchant Account Approval?

To streamline your application and increase your chances of fast approval, you should prepare the following documentation:

• Valid business license and Employer Identification Number (EIN)
• Government-issued photo ID (driver’s license or passport)
• Business bank account details and a voided check
• Fully functional website showing CBD products, terms of use, and compliance disclaimers
• Recent COAs (Certificates of Analysis) from accredited labs
• Clearly written shipping and refund policies

💡 Don’t worry — our team will walk you through each item, review your paperwork, and make sure everything is complete before submission.

✅ Ready to Start Accepting Payments with Confidence?

If you’ve been declined, shut down, or endlessly delayed by mainstream processors, it’s time for a smarter solution. Work with experts who understand CBD & hemp compliance, and who are committed to helping you grow — not stopping you.

With 100Services, you get:

• A completely free service — no costs, no hidden fees
• Fast-track approval from reliable, CBD-friendly providers
• Ongoing compliance and technical support
• A future-proof payment solution for your growing business

📞 Take the Next Step — Contact Us Today

Ready to simplify your payment setup and build a stronger, more stable CBD business?

👉 Reach out now and let us match you with the perfect high-risk merchant processor — at no cost, no obligation, and no risk.

Let’s get your CBD or hemp store fully approved and ready to process payments with confidence.