Onyx underwrites CBD, hemp, edibles, topicals, vapes and Delta-8/9 in-house. CBD-friendly gateway, free terminal, same-day funding. Approved when others say no.
Most CBD and hemp brands have lived the same story: launch on Stripe, Square, or PayPal, process for a few weeks, then wake up to a frozen account and held funds. Mainstream aggregators prohibit hemp-derived products outright — even federally legal ones under the 2018 Farm Bill. Onyx Processing underwrites CBD, hemp, edibles, topicals, tinctures, vapes, and Delta-8/Delta-9 merchants in-house, so your approval is built on your actual products and compliance documentation, not a blanket ban list.
You get a true CBD merchant account with a hemp-friendly payment gateway, not a workaround. That means stable processing for your Shopify or WooCommerce store, recurring subscription billing for repeat customers, and a free EMV terminal for retail — all with same-day funding so revenue isn't stuck in limbo.
| Onyx Processing | Typical High-Risk Processor | |
|---|---|---|
| CBD & hemp explicitly allowed | Yes — underwritten in-house | Often prohibited or offloaded to offshore banks |
| Rolling reserve | No reserve for qualified merchants | 5–10% held for 180 days |
| Funding speed | Same-day funding available | 2–7 business days |
| Gateway compatibility | Shopify, WooCommerce, custom API | Limited plugin support |
| Retail hardware | Free EMV terminal | $300–$800 per device |
In-house underwriting means we can say yes fast when your documentation is in order. Have your certificates of analysis (COAs) showing ≤0.3% Delta-9 THC, product labels, a compliant website with age gates where required, and three months of processing statements if you have them. Most CBD merchants are approved within 24–48 hours.
Yes. Hemp-derived CBD with no more than 0.3% Delta-9 THC is federally legal under the 2018 Farm Bill. The challenge isn't legality — it's that mainstream processors like Stripe, Square, and PayPal prohibit CBD in their terms of service. A dedicated CBD merchant account from a processor that underwrites hemp in-house, like Onyx, lets you accept Visa, Mastercard, Amex, and Discover legitimately and stably.
Aggregated processors approve accounts automatically and review them later. When their risk team identifies CBD products, they terminate the account and often hold funds for 90–180 days, because hemp violates their acceptable-use policies. This isn't about your business quality — it's a category ban. The fix is a real merchant account underwritten for CBD from day one.
Yes. Onyx underwrites hemp-derived Delta-8 and Delta-9 merchants in-house. You'll need current certificates of analysis and compliant labeling, and products must be legal in the states where you sell. Our underwriting team reviews your catalog directly rather than applying a blanket prohibition.
Qualified CBD merchants at Onyx are approved with zero rolling reserve. Many high-risk processors hold 5–10% of every transaction for up to 180 days, which strangles cash flow. Because Onyx underwrites CBD in-house and monitors accounts actively, most merchants keep 100% of their revenue with same-day funding.
Yes. Onyx provides a CBD-friendly payment gateway that integrates with Shopify (via a supported third-party gateway path), WooCommerce, and custom checkouts through our API. You can also add recurring subscription billing for repeat-purchase products like tinctures and gummies.
Most CBD and hemp merchants are approved in 24–48 hours. Submitting your COAs, product labels, website URL, and prior processing statements (if any) with your application is the fastest path. Onyx underwrites in-house, so there's no waiting on a third-party bank committee.