Cannabis & CBD
Compliant Payment Solutions for the Cannabis Industry
Navigating payment processing in the cannabis industry is challenging but not impossible. Unison Payment Solutions provides compliant payment solutions for licensed cannabis operators and legal CBD/hemp businesses nationwide.
Payment Processing for Cannabis & CBD
The cannabis industry operates in a uniquely challenging payment environment. Federal prohibition means traditional banks and card processors largely stay away from THC products, while CBD and hemp products—federally legal since 2018—still face processor hesitation and account instability.
Unison Payment Solutions helps cannabis businesses navigate this landscape with solutions tailored to their specific situation. For licensed dispensaries, we offer compliant cashless payment alternatives that reduce cash handling while staying within legal boundaries. For CBD, hemp, and legal cannabis products in legal states, we provide traditional card processing through partners who understand and support the industry.
The CBD market has matured significantly, and payment processing has followed. While some processors still decline CBD merchants reflexively, we work with acquiring banks that have developed clear policies for compliant CBD businesses. The key is proper documentation—lab results, compliant labeling, product documentation—that demonstrates your products meet legal requirements. We guide you through this process.
For THC dispensaries, traditional credit card processing isn't available, but alternatives exist. PIN debit solutions, ACH payments, app-based systems, and other cashless options reduce the cash burden while staying compliant. We help you evaluate options and implement the right solution for your operation.
Compliance documentation is critical in this space. We help you gather and present the documentation processors require—licenses, lab results, COAs, product manifests, and more. Proper preparation dramatically improves approval rates and account stability.
As the industry evolves, so do payment options. We stay current on regulatory changes, new payment technologies, and banking developments. When new doors open, we help you walk through them.
Industry Challenges
- Federal banking restrictions for THC businesses
- Processor reluctance even for legal CBD products
- High compliance documentation requirements
- Cash handling risks, costs, and security concerns
- Account instability and sudden terminations
- Limited payment options frustrating customers
- State-by-state regulatory variations
- Finding processors who understand cannabis compliance
Our Solutions
- CBD merchant accounts with processor partners who understand hemp
- Cashless payment alternatives for dispensaries
- Compliance documentation guidance and preparation
- POS integration with seed-to-sale tracking systems
- Multiple payment method options for customer convenience
- Stable accounts with processors committed to the industry
- Ongoing compliance support as regulations evolve
- Alternative payment technologies as they become available
Benefits for Your Business
What We Offer for Cannabis & CBD
Comprehensive solutions designed for your specific industry needs.
CBD Merchant Accounts
Full card processing for compliant CBD and hemp products. We work with processors who have clear policies supporting legal hemp businesses. Competitive rates despite industry classification.
Dispensary Cashless Solutions
PIN debit, ACH, and alternative payment methods reduce cash handling for THC dispensaries. Stay compliant while improving operational efficiency and security.
Compliance Documentation Support
We guide you through the documentation processors require—licenses, lab results, COAs, product information. Proper preparation improves approval rates dramatically.
POS & Tracking Integration
Integrate payments with your cannabis POS and seed-to-sale tracking system. Popular integrations include Flowhub, Dutchie, Treez, and others.
Account Stability
Our processor relationships are built on understanding cannabis. No surprise terminations. Proactive communication about compliance. Long-term stability for your business.
Regulatory Monitoring
We track regulatory developments affecting cannabis payments. When new options emerge, you'll know. As federal policy evolves, we help you take advantage of new opportunities.
Recommended Hardware
Recommended Services
Cannabis & CBD Payment Processing FAQs
Can cannabis dispensaries accept credit cards?
Traditional Visa/Mastercard processing is not available for THC products due to federal restrictions. However, PIN debit, ACH payments, and alternative cashless solutions can reduce cash handling. CBD and hemp products with proper compliance can often accept traditional cards.
What compliance documents do CBD businesses need?
Typically: business licenses, product lab results/COAs showing THC levels below 0.3%, compliant product labels, supplier documentation, and product ingredient lists. We provide a complete checklist and help you prepare.
Do you work with kratom businesses?
Yes, we provide payment processing for compliant kratom businesses in states where kratom is legal. Similar documentation requirements apply—we guide you through the process.
How long does approval take for CBD merchant accounts?
With complete documentation, CBD merchant accounts typically approve within 1-2 weeks. Incomplete applications or additional compliance questions can extend timelines. We help you prepare complete applications.
What happens when federal cannabis laws change?
We actively monitor federal cannabis legislation and banking developments. When changes occur—like the SAFE Banking Act if passed—we'll be ready to help you access new payment options quickly.
Can I integrate with my existing dispensary POS?
Yes, we integrate with popular cannabis POS systems including Flowhub, Dutchie, Treez, and others. Integration enables seamless payment flow and accurate reporting.
Ready to Transform Your Payment Processing?
Get a free consultation and discover how much you could save with Unison Payment Solutions. No obligation, no pressure.