CBD / hemp & adjacent
A legal product most processors still won't touch.
Hemp-derived CBD is federally legal, but banking it is a patchwork of state rules, MCC coding, and acquirer risk appetite. Merchants get onboarded, process fine for months, then get terminated overnight when a bank changes its policy — not because anything about the business changed.
Legal
Hemp-derived, still de-risked by banks
Overnight
How fast a policy exit hits
Multi-MID
Hemp-approved accounts kept warm
Why you get flagged
Normal for the vertical. Anomalous to the model.
These are the patterns generic risk engines punish — even though every one of them is standard operating procedure for cbd & hemp merchants.
Ingestible & topical MCC coding
CBD frequently gets miscoded or reclassified mid-relationship, instantly flipping an account from approved to prohibited.
Policy-change terminations
Acquirers exit the entire vertical at once. Your ratios can be pristine and you still lose the account.
Interstate compliance variance
Shipping across state lines with differing THC limits produces refund and dispute patterns that look like non-delivery fraud.
How NeverDown helps
Routing built for how cbd & hemp actually operates.
We sit above the processors you already hold and keep you live through the flags, freezes, and terminations this vertical sees more than any other.
Never ride on a single CBD-friendly bank
We keep you live across multiple hemp-approved accounts so a single policy exit doesn't take down 100% of revenue.
Instant reroute on policy exit
When an acquirer leaves the vertical, traffic shifts to a healthy CBD-approved processor in sub-seconds — no checkout rebuild.
Portable system of record
Your transaction and compliance history isn't trapped in a terminated processor's dashboard — it stays with you for the next underwriting.
Stop betting your revenue on one processor.
Bring the accounts you already hold. We'll route across them, keep an independent record, and keep you processing through the next termination event.
V1 onboarding · Stripe, Authorize.net, NMI, Maverick Bancard