High-Risk & CBD

When every other
processor said no,
we say yes.

When every other
processor said no,
we say yes.

Credit Card Processing That 
Actually Works for Your Business

CBD, nutraceuticals, vitamins, and specialty industries get rejected, frozen, or terminated without warning. ZenythPay gives you a real merchant account built for your business with transparent pricing and no surprise shutdowns.
CBD, nutraceuticals, vitamins, and specialty industries get rejected, frozen, or terminated without warning. ZenythPay gives you a real merchant account built for your business with transparent pricing and no surprise shutdowns.
Get a Free Quote
Get a Free Quote
Get a Free Quote
Get a Free Quote
Call Us Now
See How It Works
Call Us Now
See How It Works

CBD topicals and ingestibles accepted

Nutraceuticals and supplements

Transparent elevated pricing

Dedicated merchant account

WHY HIGH-RISK BUSINESSES GET BURNED

Other processors take you on — then drop you without warning.

Square, Stripe, and PayPal sometimes onboard high-risk merchants without disclosing the risk. Then months later, a risk team review terminates your account and holds your funds.

WHY HIGH-RISK BUSINESSES GET BURNED

Other processors take you on — then drop you without warning.

Square, Stripe, and PayPal sometimes onboard high-risk merchants without disclosing the risk. Then months later, a risk team review terminates your account and holds your funds.

Account termination with no explanation

You wake up to an email saying your account has been closed. No advance warning. Your website stops accepting payments. Your deposits stop. Customer service tells you nothing.

Funds held for months with no timeline

Funds held for months with no timeline After termination, processors routinely hold your last 3 to 6 months of revenue as a chargeback reserve. You have no access and no recourse until they decide to release it.

Hidden rates and undisclosed reserves

Processors who do accept CBD and nutraceuticals often bury the reserve structure and elevated pricing in the fine print. You find out what you're really paying on your third statement.

THE ZENYTHPAY APPROACH

We tell you exactly what it costs, upfront, before you sign anything.

High-risk processing carries real bank costs and we don't hide them. We quote you the actual rate, the reserve structure, and the monthly fee before you commit. No surprises. Ever.

Your actual rate quoted in writing before approval

Rolling reserve structure disclosed upfront

Dedicated merchant ID — your account, not a shared pool

No surprise terminations for legal businesses

Real local support you can reach by phone

BUILT FOR HIGH-RISK VERTICALS

Every feature your high-risk business needs

BUILT FOR HIGH-RISK VERTICALS

Every feature your high-risk business needs

Dedicated Merchant ID

Your account is yours alone — not part of a shared aggregator pool. Your processing history, your chargeback ratio, and your account status are independent.

Transparent Rate Quoting

Rate, reserve structure, and monthly fee quoted in writing before you fill out any paperwork. No surprises. No bait-and-switch at the underwriting stage.

NMI and Authorize.net Gateways

Full e-commerce gateway support for your online store. Connect to WooCommerce, Shopify, or your custom cart. Recurring billing, virtual terminal, and payment links included.

Recurring Billing and Subscriptions

Subscription billing, continuity programs, and recurring physical product orders all supported. Failed payment retries and dunning handled automatically.

Chargeback Management Dashboard

Respond to disputes directly. Upload evidence, submit rebuttals, and track outcomes. High-risk merchants face more chargebacks — we help you fight them effectively.

ACH for B2B and Wholesale

High-risk accounts can add ACH bank transfer at $0.05 per transaction for wholesale and B2B orders where card fees on large invoices are significant.

Dedicated Merchant ID

Your account is yours alone — not part of a shared aggregator pool. Your processing history, your chargeback ratio, and your account status are independent.

NMI and Authorize.net Gateways

Full e-commerce gateway support for your online store. Connect to WooCommerce, Shopify, or your custom cart. Recurring billing, virtual terminal, and payment links included.

Chargeback Management Dashboard

Respond to disputes directly. Upload evidence, submit rebuttals, and track outcomes. High-risk merchants face more chargebacks — we help you fight them effectively.

Transparent Rate Quoting

Rate, reserve structure, and monthly fee quoted in writing before you fill out any paperwork. No surprises. No bait-and-switch at the underwriting stage.

Recurring Billing and Subscriptions

Subscription billing, continuity programs, and recurring physical product orders all supported. Failed payment retries and dunning handled automatically.

ACH for B2B and Wholesale

High-risk accounts can add ACH bank transfer at $0.05 per transaction for wholesale and B2B orders where card fees on large invoices are significant.

Dedicated Merchant ID

Your account is yours alone — not part of a shared aggregator pool. Your processing history, your chargeback ratio, and your account status are independent.

Chargeback Management Dashboard

Respond to disputes directly. Upload evidence, submit rebuttals, and track outcomes. High-risk merchants face more chargebacks — we help you fight them effectively.

Recurring Billing and Subscriptions

Subscription billing, continuity programs, and recurring physical product orders all supported. Failed payment retries and dunning handled automatically.

NMI and Authorize.net Gateways

Full e-commerce gateway support for your online store. Connect to WooCommerce, Shopify, or your custom cart. Recurring billing, virtual terminal, and payment links included.

Transparent Rate Quoting

Rate, reserve structure, and monthly fee quoted in writing before you fill out any paperwork. No surprises. No bait-and-switch at the underwriting stage.

ACH for B2B and Wholesale

High-risk accounts can add ACH bank transfer at $0.05 per transaction for wholesale and B2B orders where card fees on large invoices are significant.

HOW TO GET STARTED

Three steps to your first transaction

We handle the setup, configuration, and testing so you're not figuring it out alone.

HOW TO GET STARTED

Three steps to your first transaction

We handle the setup, configuration, and testing so you're not figuring it out alone.

01

Tell us about your business

Call us or fill out the intake form. We ask about your product category, average ticket, and monthly volume so we can give you an honest rate quote before you fill out any paperwork.

02

Complete the merchant application

We submit your application to underwriting with a full business summary. High-risk applications typically require 3 months of bank statements and a government ID. Approval takes 3 to 7 business days.

03

Get your merchant ID and go live

Once approved, we configure your gateway or terminal, send your login credentials and API keys, and you start processing. For online merchants, setup takes under a day after approval.

TRANSPARENT PRICING

What it actually costs

TRANSPARENT PRICING

Two gateway options. One clear recommendation..

High-risk processing costs more than standard processing. That's the reality of the market. We show you exactly what it costs so you can make an informed decision.

Find out exactly what you'd save.

CBD topicals start at 4.5% + $0.25 per transaction with a 10% rolling reserve released at month 6. CBD ingestibles range from 5.5% to 6.5% + $0.25. Every dollar of the rolling reserve comes back to you on a rolling schedule — it is not a fee.

SAVINGS ANALYSIS

Get Your Free Statement Analysis
Get Your Free Statement Analysis

WHY ZENYTHPAY

What you get that Stripe and PayPal can't give you

WHY ZENYTHPAY

Tired of surprise fees,frozen funds, and call centers?

What you get that other high-risk processors don't offer

A real person answers the phone

When you call ZenythPay, you reach someone who knows your account. Not a tier-one support queue. Not a chatbot. When a chargeback comes in, you have someone to call who can help.

Full e-commerce and virtual terminal support

Your account includes NMI or Authorize.net gateway, virtual terminal, payment links, and recurring billing — the same tools any standard merchant gets.

Pricing in writing before you apply

We quote your rate, reserve structure, and monthly fee before you fill out a single form. That quote is what you see in your Merchant Processing Agreement.

Chargeback management built in

Your merchant dashboard lets you respond to disputes directly — upload evidence, submit rebuttals, and track outcomes without calling your processor.

A real person answers the phone

When you call ZenythPay, you reach someone who knows your account. Not a tier-one support queue. Not a chatbot. When a chargeback comes in, you have someone to call who can help.

Pricing in writing before you apply

We quote your rate, reserve structure, and monthly fee before you fill out a single form. That quote is what you see in your Merchant Processing Agreement.

Full e-commerce and virtual terminal support

Your account includes NMI or Authorize.net gateway, virtual terminal, payment links, and recurring billing — the same tools any standard merchant gets.

Chargeback management built in

Your merchant dashboard lets you respond to disputes directly — upload evidence, submit rebuttals, and track outcomes without calling your processor.

A real person answers the phone

When you call ZenythPay, you reach someone who knows your account. Not a tier-one support queue. Not a chatbot. When a chargeback comes in, you have someone to call who can help.

Pricing in writing before you apply

We quote your rate, reserve structure, and monthly fee before you fill out a single form. That quote is what you see in your Merchant Processing Agreement.

Full e-commerce and virtual terminal support

Your account includes NMI or Authorize.net gateway, virtual terminal, payment links, and recurring billing — the same tools any standard merchant gets.

Chargeback management built in

Your merchant dashboard lets you respond to disputes directly — upload evidence, submit rebuttals, and track outcomes without calling your processor.

COMMON QUESTIONS

High-risk processing answered plainly

COMMON QUESTIONS

High-risk processing answered plainly

Do you accept all CBD businesses?

How long does high-risk approval take?

What is the 10% rolling reserve and do I get it back?

Can I accept online payments with a high-risk account?

What documents do I need to apply?

Can I add ACH payments to my high-risk account?

What chargeback ratio triggers a risk review?

Stop rebuilding from scratch every time an account closes

Get a high-risk merchant account built for your vertical, priced transparently, and designed to stay open while your business grows.
Get a Free Statement Analysis
Get a Free Statement Analysis
Call Us Directly

Add ACH to your account today

Send us your latest processing statement and we'll tell you exactly how much you could save. No commitment, no sales pitch.
Get a Free Statement Analysis
Get a Free Statement Analysis
Call Us Directly