We are fully integrated with Shopify and support CBD Payment Processing.

1

Not all CBD is the same.
Find the right program for you.

2

Contact us today for a demo & no-obligation quote,
or to simply ask whatever questions you may have!

Contact Us

Opening a cannabidiol (CBD) e-commerce business?

We've worked with thousands of “high risk” companies and have helped them to overcome obstacles associated with accepting payments

Helping CBD merchants get approved quickly with competitive rates.

What you need to know:

  • The payment industry has been slow to adopt the CBD vertical, but the landscape is changing rapidly.
  • If you’re selling hemp derived CBD online, you need a payment processor that knows your business type and follows the industry’s progress.
  • Banks underwrite and subcategorize CBD. Underwriting times vary dependant on business model.
  • Keeping your site’s regulatory compliance is a must when working within a high risk verticals such as CBD.
Learn More
Frequently Asked Questions
How does EMB categorize your business? +

We look at how much monthly volume you’re requesting relative to your business model and previous processing history.

How does EMB look at scale in terms of pricing? +

We place our merchants into one of the following groupings. The more volume you process, the more competitive rates!

  • Startups
  • $25,000 - $100,000
  • $100,000 - $500,000
  • >$1,000,000
What type of documentation do I need? +
  • Articles of Incorporation or Organization (Full Articles must be submitted. Cannot accept partially complete Articles)
  • Operating Agreement (for LLCs only) OR By-Laws (for Corporations)
  • EIN Letter from IRS
  • Complete W9 Form Certificate of Good Standing from Secretary of State office
  • 3 months most recent business bank statements (full bank statements required)
  • ID or Passport (all owners)
  • Business Utility Bill
  • Personal Utility Bill
  • Proof of Domain Ownership
  • Color copy of ID for the owner(s) listed on the application (required for all owners with 25% + ownership in the company)
  • Corporate Resolutions for authorized bank account access (both are included in the application package)
  • Certificates of Analysis (Lab Results) for products sold on the website
  • Photo ID for beneficiary listed on bank account setup form (please refer to the setup form instructions)
Are there any prohibited items on my website? +
  • EMB and participating banks will not work with merchant that deal in illegal products or services.
  • No THC product on the same page as CBD products
  • No redirects to unapproved websites
What if I sell flower, pre-rolls or crystal powder CBD? Can you still get me approved? +

Yes. EMB has programs for the above CBD sub-verticals, but there may be limited card participation or you may need to use an alternative payment method.

Website Requirements +
  • Certificates of Analysis for products must be posted on the website
  • Photos of ALL products being sold must be posted on the website
  • Pricing for ALL products must be posted on the website
  • Privacy Policy must be posted on the website
  • Refund/Return Policy must be posted on the website
  • Shipping Policy must be posted on the website
  • Terms & Conditions must be posted on website
  • Visa & MasterCard logos must be on the footer of the website
  • FDA Disclaimer must be posted on the website (See below)
    • FDA DISCLAIMER The statements made regarding these products have not been evaluated by the Food and Drug Administration. The efficacy of these products has not been confirmed by FDA-approved research. These products are not intended to diagnose, treat, cure or prevent any disease. All information presented here is not meant as a substitute for or alternative to information from health care practitioners. Please consult your health care professional about potential interactions or other possible complications before using any product. The Federal Food, Drug, and Cosmetic Act require this notice.

EMB’s CBD Programs

Find the program that’s right for you

Topical

  • Applied to a particular place on the body. Creams, drops, etc…
  • Underwriting Estimate: 5-7 days*
  • Program Type: Full Credit Card Suite**

Vape

  • Handheld battery-powered vaporizer that simulates smoking, without any burning.
  • Underwriting Estimate: 5-14 days*
  • Program Type: Full Credit Card Suite**

Ingestibles

  • Any CBD infused capsule, gum drops, oil, drinks, tincture, etc… capable of being ingested
  • Underwriting Estimate: 5-14 days*
  • Program Type: Full Credit Card Suite**

Flower & Pre-Rolls

  • CBD flowers are taken directly from hemp plants, contain cannabinoids and terpenes found within CBD oil. CBD pre-rolls are a non-intoxicating joint that has been pre-rolled.
  • Underwriting Estimate: 5-14 days*
  • Program Type: Participating Cards Only**

Isolates

  • Isolates in the form of powder or crystals
  • CBD isolate is a pure, crystalline powder that contains 99% pure CBD
  • Underwriting Estimate: 5-14 days*
  • Program Type: Alternative Payments Only**

Continuity

  • Continuity, Automatic Shipping/Billing, or Recurring Billing Programs/Agreements*
  • Recurring billing occurs when a merchant automatically charges a cardholder for specified goods or services on a prearranged schedule
  • Underwriting Estimate: 5-14 days*
  • Program Type: Full Suite**

Asterisk

  • *all underwriting estimates assume that merchant has delivered a completed application and supporting documents.
  • **Pricing contingent on business model and existing processing history. Startups may require strong financials and pricing may differ.

Why Choose EMB?

Start achieving real success

Lower Your Costs

Start accepting credit cards today and enjoy some of the lowest rates in the credit card processing industry.

Gain Complete Control

Get in the driver’s seat with fully customizable fraud scrubbing, real time comprehensive reporting, and much more.

Get a Customer Service Partner

We offer 24/7 support for our merchants and their customers via live chat, email, and our call center services.

Add Money-Making Features

Leverage ACH check processing, free shopping carts, and affiliate program integration to maximize revenue.

Increased Revenue with ACH

EMB clients increase their revenue an average of 15% just by adding online check processing as a payment option.

Chargeback & Fraud Prevention

Prevent 99% of customer chargebacks and transaction fraud by utilizing our Fraud Defense tools and in-house call center services.

Frequently Asked Questions
How does EMB categorize your business? +

We look at how much monthly volume you’re requesting relative to your business model and previous processing history.

How does EMB look at scale in terms of pricing? +

We place our merchants into one of the following groupings. The more volume you process, the more competitive rates!

  • Startups
  • $25,000 - $100,000
  • $100,000 - $500,000
  • >$1,000,000
What type of documentation do I need? +
  • Articles of Incorporation or Organization (Full Articles must be submitted. Cannot accept partially complete Articles)
  • Operating Agreement (for LLCs only) OR By-Laws (for Corporations)
  • EIN Letter from IRS
  • Complete W9 Form Certificate of Good Standing from Secretary of State office
  • 3 months most recent business bank statements (full bank statements required)
  • ID or Passport (all owners)
  • Business Utility Bill
  • Personal Utility Bill
  • Proof of Domain Ownership
  • Color copy of ID for the owner(s) listed on the application (required for all owners with 25% + ownership in the company)
  • Corporate Resolutions for authorized bank account access (both are included in the application package)
  • Certificates of Analysis (Lab Results) for products sold on the website
  • Photo ID for beneficiary listed on bank account setup form (please refer to the setup form instructions)
Are there any prohibited items on my website? +
  • EMB and participating banks will not work with merchant that deal in illegal products or services.
  • No THC product on the same page as CBD products
  • No redirects to unapproved websites
What if I sell flower, pre-rolls or crystal powder CBD? Can you still get me approved? +

Yes. EMB has programs for the above CBD sub-verticals, but there may be limited card participation or you may need to use an alternative payment method.

Website Requirements +
  • Certificates of Analysis for products must be posted on the website
  • Photos of ALL products being sold must be posted on the website
  • Pricing for ALL products must be posted on the website
  • Privacy Policy must be posted on the website
  • Refund/Return Policy must be posted on the website
  • Shipping Policy must be posted on the website
  • Terms & Conditions must be posted on website
  • Visa & MasterCard logos must be on the footer of the website
  • FDA Disclaimer must be posted on the website (See below)
    • FDA DISCLAIMER The statements made regarding these products have not been evaluated by the Food and Drug Administration. The efficacy of these products has not been confirmed by FDA-approved research. These products are not intended to diagnose, treat, cure or prevent any disease. All information presented here is not meant as a substitute for or alternative to information from health care practitioners. Please consult your health care professional about potential interactions or other possible complications before using any product. The Federal Food, Drug, and Cosmetic Act require this notice.