CBD Merchant Account Review

Rates and Fees
Truth in Advertising
Consumer Reviews
Customer Support

Best for

Merchants looking to integrate credit card processing into their CBD business.

Specializes in

Providing merchant accounts for high risk CBD businesses. They pride themselves as a boutique styled processor who builds individual, long-term relationships with each of their clients.

Pricing Summary

Setup Fee: $0

Monthly Fee: Undisclosed

Swipe Rate: 1.5% + $0.08

Keyed-in Rate: 1.5% + $0.08

Early Termination Fee : Undisclosed

Contract Terms:

Visit CBD Merchant Account

Todd Finis is listed as the CEO.

The company is located in Oak Park, California.

Works exclusively with CBD businesses.

CBD Merchant Account Overview


While CBD Merchant Account only works with CBD businesses, they advertise that there are multiple forms of merchants under that umbrella. From vape to oils, to dispensaries, if the business touches on CBD they will provide a merchant account.

They make the promise to connect each client with the proper bank to fit their needs. The opposite is usually the industry standard.

Their approach to each client may just work. Their parent company has had no customer complaints in the past 36 months and is in good standing with the Better Business Bureau. However, CBD Merchant Accounts has no file with the Better Business Bureau.

Quick Facts

Head Quarters

Oak Park, California

Year Founded



Todd Fins



Merchant Provider Risk Tolerance

What We Like

What We Don't Like

Industries Served

  • CBD & Hemp
  • Cigars & Tobacco
  • E-Cigarettes / Vape
  • Electronics
  • Gaming
  • Healthcare
  • Marijuana / Cannabis
  • Medical
  • Nutraceuticals & Supplement
  • Smoking Accessories
  • Telemedicine

Business Types Served

  • B2B
  • Ecommerce
  • Enterprise Merchant Accounts
  • High Risk
  • Mobile
  • Online
  • Retail / Card Present
  • Small Business

CBD Merchant Account Products & Services


Hardware and Software

CBD Merchant Account focuses on the back end of the processing spectrum. They don’t appear to have any hardware or software that they offer. Instead, they focus on connecting existing merchants with the proper bank to allow credit card processing.

The website does reference terminals rounding up charges, but it does not list any sort of hardware. This could indicate that they offer software that integrates with existing POS systems, but there is no clear indication that this is the case.

They specifically talk about security in their services offered, however, they do not go into any great detail about what that security might be. In a high risk industry, security is a necessary service and should be stated upfront.

Value-Added Services

The company website has a dead link to value-added services, indicating that they have at least entertained the idea. However, there is no actual information to inform a potential client as to what those services might be.

They also have a dead link to a website development page. This may be a service they offer, but there is no real way to tell at this point.

Supported Payment Types and Services

American Express is the only major credit card listed on their website. They do have six pages of sponsored eCommerce shopping carts that they appear to have some connection to.

CBD Merchant Account Payment Processing

  • Credit Card Processing
  • Credit Card Terminals
  • Crypto Currency Compatible
  • Debit Card Processing
  • EMV Processing
  • Gift & Loyalty Program
  • High-Risk Industries
  • Mobile Card Reader
  • Mobile Payments App
  • Online Payments
  • Online Shopping Cart Integration
  • Payment Gateway
  • POS Equipment
  • Recurring Billing
  • Shopping Cart Integration
  • Virtual Terminal

CBD Merchant Account Billing & Invoicing

  • Contingency Billing
  • Mobile Payments
  • Online Invoicing
  • Online Payments
  • Payment Processing
  • Recurring/Subscription Billing

CBD Merchant Account Advertising & Sales

It appears that CBD Merchant Account primarily advertises through their website and sponsor connections. There is very little to be found on the internet about them.

There are references to prior employment of independent contractors for sales, but there are no current indications that they still use this sales tactic. The fact that they have such a low complaint number would indicate that they either currently use in-house sales reps or do not engage in any extra marketing beyond their website and word of mouth.

Truth in Marketing

Discloses All Important Terms


Public Pricing Available


CBD Merchant Account Pricing, Rates & Fees


There is no information to be found on their website other than the ability to pass a $2.50 fee on to the customer if the merchant wishes. Knowledge of the industry would indicate that as a high risk business they have higher than industry averages for rates and fees.

This wording would imply to customers that each transaction costs $2.50, however, this is very unlikely. It would be more realistic that this fee is on top of the merchant fees assessed by the credit card processor.

Pricing at a Glance

Pricing Model

Tiered Pricing

Swiped Rate

1.5% + $0.08

Keyed-in Rate

1.5% + $0.08

Mobile Payment Rate

Virtual Terminal Rate

1.00% - 4.99%

Monthly Fee


Payment Gateway Fee


Batch Fee


Early Termination Fee


PCI Compliance Fee


Equipment Lease Terms


Address Verification Service (AVS)

Application Fee

Account Setup Fee


Gateway Setup Fee

Annual Fee

Monthly Minimum


Statement Fee

CBD Merchant Account Contract & Terms

There is no information on contracts to be found on their website or any review websites regarding contracts. There is no real indication that CBD Merchant Account even requires their clients to sign a contract.

The most likely scenario is that the company sets the merchant up with a processing bank and that bank holds the contract.

General terms in the industry put a contract at 24-36 months on average. Some processors hold contracts outside this average. Due to the high risk of the CBD market, most banks will hold longer contracts with large rolling reserves and steep early termination fees.

There is a claim of no chargebacks, however, this is extremely unlikely to be 100% accurate. There is a historical reason the CBD industry is such a high risk. The legality of the product across the nation leaves a universal banking process impossible. As a result, it is highly unlikely that they would be able to sustain the claim of no chargebacks.

Contract Length


Early Termination Fee


CBD Merchant Account Setup & Support


There are claims on the website of setup within 24 hours. This may be true on their end, but most likely there will be a longer underwriting period from the bank of choice. Especially with the high risk business, the likelihood of a longer time frame is extremely likely.

Support is a business standard email and telephone number.

Setup Highlights

  • Documentation / Knowledge Base
  • Live Online (1-on-1)

Support Highlights

  • Domestic Phone Support (Business Hours)

CBD Merchant Account Complaints, Ratings & Reviews

BBB Rating

There is no file with the Better Business Bureau.

Other Online Reviews

At this time there are no other reviews or ratings to be found for CBD Merchant Account anywhere online.



Does not have BBB profile.


No Reviews


No Reviews




Total Online Reviews


Total Online Complaints




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