Why CBD merchants keep losing their payment processing
Mainstream processors ban CBD entirely
Stripe, PayPal, Square, and Shopify Payments all prohibit CBD sales. Merchants get approved, build a store, and then get shut down mid-month with funds held.
High-risk MIDs come with brutal terms
The card processors that do accept CBD charge 5–8% plus rolling reserves of 10% or more, holding your revenue for months while you front inventory costs.
One compliance flag kills the account
A product page mentioning the wrong health claim, or a bank's changing risk appetite, can trigger a MID termination — and a MATCH listing that follows you to every future application.
Chargebacks stack the deck against you
CBD's chargeback ratios run high, and every dispute costs fees plus the sale. Cross a network threshold and your account is gone regardless of who was at fault.
How Flint keeps CBD businesses selling
No acquiring bank to shut you down
Crypto payments settle without a card network or sponsor bank in the loop. There's no underwriting committee that can reclassify you out of business.
Zero chargebacks by design
Crypto transactions are push payments — the customer sends funds, they confirm on-chain, and the sale is final. You control refunds on your own terms.
No rolling reserves or holds
Your revenue is yours when the transaction confirms. No 10% reserve sitting with a processor for 180 days.
Live in minutes, not months
No lengthy high-risk underwriting packet. Create a product, share your hosted checkout link, and start accepting payments the same day.
Hosted checkout your customers can actually use
Customers pay in the coin they hold — no crypto expertise required on your side. Flint handles the payment detection, confirmation, and webhooks.
Pick your plan
Monthly fee plus a rate per sale. Upgrade when volume picks up.
Starter
Free to start validating ideas.
Fees
5.00% + 50¢ per transaction
Features
- All features to sell
- Standard support
Pro
For builders & early teams.
Fees
3.80% + 40¢ per transaction
Features
- All features on Starter
- Preview access to new features
- Prioritized support
Growth
For scaling startups.
Fees
3.60% + 35¢ per transaction
Features
- All features on Pro
- Preview access to new features
- Prioritized support
Scale
For fast growing businesses.
Fees
3.20% + 25¢ per transaction
Features
- All features on Growth
- Dedicated account manager
- Custom SLAs
CBD payment questions, answered
Is it legal to sell CBD and accept crypto payments?
Hemp-derived CBD with less than 0.3% THC is federally legal in the US under the 2018 Farm Bill, though state rules vary — you're responsible for complying with the laws where you sell. Accepting cryptocurrency as payment is legal; it doesn't change your product compliance obligations, it just changes the payment rail.
Will Flint shut my account down like Stripe or PayPal did?
Flint is built specifically for high-risk industries, including CBD. We don't rely on an acquiring bank's risk appetite, so there's no third party forcing sudden terminations. As long as you're selling legal products and follow our terms, you're in our core customer base — not an exception waiting to be purged.
Do my customers need to already own crypto?
Your checkout accepts customers who hold crypto in any wallet or exchange account. Many CBD buyers in this space already do, precisely because card payments in the industry are unreliable. Customers without crypto can buy it in minutes on any major exchange before checking out.
How do payouts work, and how fast do I get my money?
Payments settle to you in crypto. There's no processor holding your balance, no rolling reserve, and no 90-day payout delay — a common pain point for CBD merchants coming from high-risk card MIDs.
What about chargebacks from disputed CBD orders?
Crypto payments can't be charged back — there's no issuing bank to reverse the transaction. If a customer has a genuine problem, you issue a refund on your terms. This eliminates the friendly-fraud chargebacks that get CBD merchants MATCH-listed.
Can I use Flint alongside my existing card processor?
Yes. Many CBD merchants run Flint as a parallel rail — crypto for customers who prefer it, cards for the rest. If your card MID ever gets terminated, your Flint checkout keeps running and your revenue doesn't drop to zero overnight.