CBD & Hemp
Merchant services

The first true domestic processing
solution for CBD merchant accounts

Full service provider for CBD and Hemp businesses

You know how difficult it’s been to get quality credit card processing for your CBD and hemp-based business over the past several years…and that’s if you could get processing at all.  Until recently, CBD and hemp were placed right alongside THC and cannabis in the eyes of most card processors because of marijuana’s classification as a Schedule 1 drug at the federal level.  With the passing of the Farm Bill, you will have a plethora of merchant service providers knocking on your door, but AdvoCharge will work with you and advocate for you to ensure the best possible rate and service available.  We have domestic banking solutions for both your retail and eCommerce hemp and CBD business along with the software required to run your business.  Let us SHOW you the AdvoCharge difference for your CBD and hemp-based business today.

Processing for Hemp and
CBD just got easier

Let AdvoCharge take you to the top of the CBD and Hemp industry with our bevy of banking connections, state of the art payment gateway and fraud prevention tools and experience. With the laws, restrictions and regulation changing DAILY on the Hemp, CBD merchant processing worlds, let us guide you in the most beneficial direction.

Why choose AdvoCharge

Retain your revenue

It’s your money, don’t cut into your margins by paying unnecessary fees.

No set up or cancel fees

No hidden fees here. Just the lowest rates and stellar service.

Lowest rates

If you find lower rates, just show us and we’ll match or beat them.

Seamless integration

Implement our solutions without disrupting your sales flow.

Robost office portal

The processing back office portal is intuitive and extremely user friendly.

Next day funding

Your money is available to you the next day – as it should be.

But wait, there’s more

  • No setup free
  • No cancellation fee
  • Recurring billing
  • Level 2 & 3 processing
  • Chargeback support
  • ApplePay
  • Google Wallet compatible
  • 100% EMV compliant
  • No PCI compliance fee
  • AmaZING customer support
  • Free signage
  • No mark-up on equipment
  • Integrated POS solutions
  • Free mobile
  • Free virtual terminal

Full service provider for CBD & Hemp businesses

AdvoCharge offers a full suite of online payment processing solutions designed to maximize revenues for your CBD and Hemp business. We take the payment processing headache off the table, and are eager to impress you with the best service in the industry.

Frequently asked questions about
CBD & Hemp merchant services

Can I accept credit cards for Cannabis and CBD purchases?

Absolutely! You can accept all credit and debit cards for THC/cannabis and CBD/hemp products.  We can offer both retail and eCommerce options for both products as well with some variation depending on your industry.  Contact us with your business needs to learn more.

How are you able to provide credit card processing to Cannabis clients?

Through our close partnership with RootPay, we are able to offer you their patented closed-loop, dual-transaction technology which is fully compliant with the Credit Card Accountability Responsibility and Disclosure Act of 2009 (Credit CARD Act), the card brand associations, Federal, and State law.

Here’s RootPay’s solution in a nutshell.  Your customer presents their credit card for a purchase.  Upon the swipe, two nearly simultaneous transactions occur: the first transaction creates a virtual gift card for the exact purchase amount – no physical card is required.  The second transaction uses the virtual card to purchase products from your dispensary or online website. Transactions approve in seconds – like a normal credit card sale. It’s like purchasing a gift card for an amount that matches your purchase price and then at the same moment using that gift card without ever holding it in your hand!  The processor and the customer’s credit card never touches the product, it is the virtual gift card that makes the purchase. You, the bank, processor, and the customer are all interacting simultaneously and in compliance with all network rules as well as federal and state regulations.

Can I use my existing Point of Sale system or Business Management Solution?

Yes, you can continue to run your business as you always have in the past and we offer the ability to accept credits card payments for your Cannabis business using a stand alone terminal. If you would like the terminal to integrate with your POS system, that functionality is also available.

How long does the transaction take?

Credit card transactions approve in three seconds for both card present and online sales, just like any credit card sale.

When do I receive my funds?

Funds are deposited into your bank account 48 hours.

Is the Cannabis acquiring bank in the United States?

Yes, the acquiring bank is located in the United States.

Can you offer a domestic banking relationship for my Cannabis business?

Yes, if you are looking for a banking relationship for your Cannabis business, we will connect you with Surety Bank. They are a 100 year old family bank located in central Florida and are happy to provide you with all of your banking needs.

Is this legal processing?

Yes! You can accept credit/debit cards with through AdvoCharge’s partnerships. All solutions are in compliance with card brand regulations, the Credit CARD Act and Federal and State law.

Are you saying we don’t have to use physical gift cards?

That is correct, the gift cards are virtual and the transaction runs just like a regular credit card transaction, a seamless Cannabis credit card processing solution.

What do you use for the SIC / MCC code?

Your business will be listed under the proper SIC/MCC code to reflect your business type.  A common SIC/MCC code is 5912, drug store and pharmacy, but each client will be unique.

Can I sell Cannabis online using my “eCommerce” website?

Yes, you are able to accept online credit card payments for your Cannabis sales.

Can I use a stand alone terminal?

Yes, we can provide you with a terminal that will arrive ready to begin accepting Cannabis credit card payments.

Can I use a wireless terminal?

Yes, the terminal we provide you with for your Cannabis payment processing is a DejaVoo terminal that works over both IP and WiFi connection.

Do you offer “point-of-sale” solutions?

Yes, we have solutions to manage your business from seed to sale. Contact us to schedule a demo here.

What are your rates?

We offer transparent flat rate pricing for both THC and CBD customers. Please reach out to us for a flat rate quote.

Is there a 24/7 support phone number?

Yes, you will have around the clock phone support for all of your Cannabis merchant service needs.

Is there a long contract for my Cannabis credit card processing account?

Your account has no cancellation fee and is month to month.

What is Gift Card Act?

On May 22, 2009, the Credit Card Accountability Responsibility and Disclosure Act of 2009 (Credit CARD Act)1was signed into law. While the law’s title suggests that it only applies to credit cards, the law also created new consumer protections for gift certificates, store gift cards, and general-use prepaid cards through amendments to the Electronic Fund Transfer Act (EFTA).2 Specifically, section 401 of the Credit CARD Act requires disclosures for gift certificates, store gift cards, or general-use prepaid cards fees and expiration dates; limits dormancy, inactivity, and service fees for these cards and certificates; and establishes a minimum period of five years before the underlying funds for these cards and certificates can expire. Section 401 also excludes certain gift certificates, store gift cards, or general-use prepaid cards from these requirements. Section 402 of the Credit CARD Act amends the EFTA to provide that the EFTA does not preempt any state laws that address dormancy, inactivity, or service fees, or expiration dates for gift certificates, store gift cards, or general-use prepaid cards if such state laws provide greater consumer protection than the gift card provisions in the EFTA. The Federal Reserve Board (Board) published a final rule amending Regulation E to implement Sections 401 and 402, which became effective in 2010.3 This article reviews the compliance requirements of the final rule.

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What options do you have for CBD/Hemp businesses?

With the passage of the Farm Bill, CBD and Hemp have been legalized nationwide, making CBD and Hemp credit card processing legal. Our CBD processing solutions are fully compliant with card brand regulations per the Farm Bill that legalized Hemp nationwide.

The 2018 Farm Bill fully legalizes hemp production, by defining “industrial hemp” as cannabis plants with a concentration of 0.3 percent or less of psychoactive compound tetrahydrocannabinol, or THC, overriding a conflicting definition in the Controlled Substances Act of 1970. “The passage of the 2019 Farm Bill is good news because it provides a strong safety net for farmers and ranchers, who need the dependability and certainty this legislation affords,” Agriculture Secretary Sonny Perdue said in a statement after the bill passed the House. Congress has voted for an $867 billion farm bill with strong bipartisan support, spurred in part by pressure from farmers. U.S. Senate Majority Leader Mitch McConnell, a Kentucky Republican and hemp champion, signed the final version of the bill with a pen made from Kentucky-grown hemp.

What options do you have to THC/Cannabis businesses?

For THC/Cannabis customers, we offer domestic credit/debit card processing. Our top-tier processing partner is fully compliant with card network regulations. Transactions happen in real time bringing your Cannabis business a seamless domestic credit card processing solution.

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