Paymotile

Merchant Services For Your Business

CBD Oil Merchant Account: Solutions for Hemp Oil & CBD Vendors

Accounts for start-ups, industry leaders, and everyone in-between. We have remedies for your payment processing headaches.

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Flexible Payment Solutions

[UPDATE] The 2018 Farm Bill removed hemp-derived CBD (containing no more than 0.3% THC) from the federal Controlled Substances Act, making compliant hemp CBD products federally legal to produce and sell.

That definition is about to tighten. Section 781 of Public Law 119-37 (November 2025) redefines hemp around total THC: synthesized cannabinoids lose hemp status on November 12, 2026, and finished products will be capped at 0.4 mg of total THC per container starting December 11, 2026. Many full-spectrum products will need to be reformulated, and underwriters will ask for current lab reports that show compliance. The FDA also still does not allow CBD in food or dietary supplements.

Even so, most banks and payment processors still treat CBD as a high risk category because of patchwork state rules, evolving FDA oversight, and card network policies. The SAFE Banking Act was reintroduced in Congress in June 2026 but has yet to become law, so mainstream processors like PayPal and Stripe continue to shut down CBD sellers.

The good news? You don’t have to wait on Washington. There are proven merchant account solutions for compliant hemp-derived CBD businesses today, and we can connect you with processors who approve them every week.

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Answers for Any Business

Due to cannibidiol’s association with marijuana, most banks and payment processors shy away from doing business with CBD vendors. This is even more apparent for newer companies, who lack the pocketbooks and credibility of bigger brands and struggle to find willing service providers.

Whether you’re a start-up trying to sort out your payment processing needs, or are a big player in the CBD world looking for better rates and services, Motile can help you. Get in touch with us, and we’ll make sure your business is linked up with the best in the industry.

Still planning your launch? Our 7-step guide to starting a CBD business covers licensing, sourcing, labeling, and getting paid.

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Diverse Processing Options

Motile’s partners offer a variety of payment processing solutions for CBD merchants. Once our agents get in touch with you, we’ll discuss how the following services can help you handle transactions, pay employees, and bankroll your business.

  • ACH payments
  • Credit cards
  • Debit cards
  • eChecks
  • Quasi-cash
  • Cryptocurrency
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Get Your Account Fast

The application process for a merchant account can be frustrating and time-consuming — especially for high-risk vendors. We pride ourselves on getting our customers setup quickly and without hassle, so they can focus on growing their business.

As our partner, we’ll connect you with a veteran payment processor who has built a strong reputation in the hemp & oil industry. They’ll be able to apply their years of experience and industry knowledge to help you navigate through the application process and maximize your chances of getting accepted.

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Full-Service Integration

In addition to finding the right merchant account service and payment processor, you’ll want to make sure your solution seamlessly integrates into your daily business operations. Motile’s partners have the software and systems in place to easily make this happen.

Our solutions sync with most major ecommerce platforms, including:

  • Shopify
  • WooCommerce
  • BigCommerce
  • Volusion
  • Magento
  • OpenCart

Sources

Statistics and legal references in this guide come from the sources below. We review them regularly and update the page when newer data is published.

  1. Congress.gov, Public Law 119-37 (H.R. 5371) (November 12, 2025).
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Paymotile

Merchant Services For Your Business