If you own a CBD store, many of the traditional payment options are not available to you. Even though CBD sales are legal, banks and other payment solutions are way off the pace and still see the product as ‘high-risk.’ For this reason, there are payment gateways which specifically specialise in the Cannabis/CBD Oil industry.

This is one of our most popular blog articles where we run through available options to begin accepting payments for your online products, as well as alternative methods other websites are using across the UK and Europe to sell the CBD products. We will keep this article as up to date as possible, always contact the payment gateway provider directly to discuss and confirm details of setting up an account when selling CBD products online.

Need a European gateway which accepts CBD payments or CBD Bud/Flower? Check out How To Accept Payments For CBD Products In Europe, Including CBD Bud/Flower.

CBD Oil Friendly Payment Gateways

It is important to find a payment merchant that accepts common payment methods such as credit cards, as well as offering the highest levels of confidentiality and security. Your merchant should also be fully certified with the PCI Security Standards Council.


Worldnet has offered its payment gateway solutions throughout Europe and North America for the last 12 years, offering a service that is well-established and highly regarded. Their gateway solution is available to merchants operating the CBD and Hemp industry providing a secure, reliable way to process online card payments. Worldnet accept online payments for CBD Oil and other products as well as subscriptions

With Worldnet it’s easy to get started, simply fill in an application on their website, answer industry-specific questions and Worldnet will get you up and running as quickly as possible.

The company makes it simple to integrate their product with free access to plugins that make adding their PCI compliant payment gateway easy. They work with WooCommerce, WP ECommerce, Magento, OpenCart, and Joomla. Integration guides are available in English and support is provided by their Support and Integrations Team in Dublin.

Worldnet makes it easy to access your funds offering a quick turnaround time on payments. Funds are automatically settled to the company’s business account on a daily basis so that if a payment is made on a Monday, the funds will be available in the company’s account by Wednesday morning. This is in comparison to other solutions where it can take 7-10 days for payments to reflect, with reserves of up to 10% also being held back for six months in some cases.

This solution is a good option for eCommerce CBD stores as the funds are available within a couple of days, and they also offer online banking with a dashboard that tracks processed transactions and it allows for the processing of full and partial refunds quickly and easily.

The clear benefits of using Worldnet include:
  • Lower fees
  • Faster settlement of funds
  • No rolling reserves
  • Transparency
  • English language documentation
  • Dublin-based support team
Trust Payments

As a well-established payment gateway, Trust Payments operates with credibility and gives users the confidence to make purchases via their framework. Furthermore, their willingness to facilitate CBD-related transactions makes them a prime CBD payment gateway.

With over 20 years’ experience in the industry, Trust Payments started out as a payment gateway. Today, they operate as an omnichannel payments provider, with POS payment services, mobile payment facilities and in-store payment options sitting alongside their online CBD payment gateway.

Committed to finding creative solutions to complex problems and providing a customer-centric experience, Trust Payments are already well-known and well-used within the CBD community. Having identified the issues businesses and consumers were facing in relation to purchasing CBD products online, Trust Payments were quick to provide secure, reliable and convenient solutions.

Trust Payments actively encourage CBD vendors to talk to them about their needs. As a company that supports the CBD industry, they are familiar with the needs of merchants and eager to provide innovative solutions to support the growth of the sector.

The clear benefits of using Trust Payments include:
  • WordPress & WooComemrce Compatible. Not Shopify.
  • Wide variety of payment methods
  • Fast account setup
  • Exceptional reliability and virtually no downtime
  • 24/7 UK Based technical support
  • Tailored fees depending on your use

Want to contact Trust Payments to accept payments via your online CBD Store? Click here to find out more.

Paytriot Payments

Paytriot offers a payment solution for companies selling CBD Oil and Cannabis products (including subscriptions) that integrates with Shopify and WordPress/WooCommerce.
Paytriot is a London-based FCA-registered payments company, and they can help businesses accept payments from all over the world. They have three main ways of accepting payments: by taking online card payments, over the phone, and by setting up subscription payments. Thanks to these many ways of accepting payments, you will find that using Paytriot to accept your payments will help to open up your business to more customers based around the globe.

Their processing territories are all the countries within Europe, excluding Austria, Denmark, Finland, Malta, Portugal, and Slovakia, and they are proud of their growing presence in Spain & France.

Paytriot is also one of the few firms that will accept payments for CBD companies. Not all online payment merchants will work with CBD businesses, but Paytriot has already teamed up with around 300 of these kinds of companies. If you choose to use them, you will have full peace of mind knowing that you are working with a payment merchant that conducts their banking in the UK and are fully FCA registered.

Benefits of choosing Paytriot Payments
  • Shopify & WordPress/WooCommerce
  • Competitive Rates
  • No Rolling Reserve
  • Flexible Settlement Times
  • Online, Over the Phone & Subscription Payments Offered
  • Worldwide Payments Processed
  • Super Quick Set Up (72 hours)
  • UK Based Account Manager
  • FCA Registered Giving Peace Of Mind

You can read more about Paytriot in our blog post by clicking here or you can visit the Paytriot Payments website and contact them by clicking here.

WeTranxact LTD

With over 700 CBD clients and counting, WeTranxact has been a proud partner for CBD businesses since 2017.

We Tranxact Ltd is a Visa-approved, award-winning, Birmingham-based payments consultancy and brokerage. Their client base is primarily UK-based, and they help new and existing businesses with their debit and credit card processing facilities.

We Tranxact is unique in its ability to service any business covering the full range from no risk to high risk, thanks largely to the links that they have with over 100 card processors globally. Their explosive growth can be attributed to their reputation built on exemplary service and an established network of referral partners and recommendations.
They will ensure that each client’s website meets Visa and Mastercard requirements and that the website is ready to be presented to the merchant bank’s underwriters. This service includes a CBD Merchant Account with a payment gateway.

With links into many of the world’s top card processors, We Tranxact offers business owners a ‘whole of market’ solution. Over the last two years, they have helped hundreds of businesses, both online and offline, in the CBD industry with card acceptance services.

Benefits of choosing We Tranxact
  • New Starters Welcome
  • 3 – 4 Day Setup
  • Next-Day Settlement of Funds
  • WooCommerce & Shopify Options
  • Recurring and Subscription Payments Available
  • Fast Approvals
  • Card Machines for CBD Businesses
  • Low Fees
  • No Monthly Fees for WooCommerce
  • Honest and transparent with customers

You can read more about We Tranxact in our blog post by clicking here or you can visit the We Tranxact website and contact them by clicking here.


Nochex has been around for over 20 years, making them a well-established payment processor. They were one of the first off the mark when E-Cig businesses were starting up, helping to shape the future of the industry. Similarly, they’ve been active in CBD since it’s inception. They have a number of CBD banking relationships, as well as a fast, efficient onboarding process.

To be eligible for a Nochex account, you’ll need to be able to supply lab reports for your products, and Nochex payment processing solutions do not support Shopify.

Benefits of choosing Nochex
  • A quick on-boarding process, if approved you’ll hear back from them in 24 – 48 hours
  • Accept CBD start-ups
  • A Legal Opinion Letter is not required
  • A quick on-boarding process
  • You do not need to be a member of a CBD trade association
  • You can sell CBD vaping products
  • Integration with WordPress & WooCommerce
  • A dedicated UK-based account manager

You can read more about Nochex in our blog post by clicking here.

Axcess Merchant Services

Axcess Merchant Services was established in 2007 to help online businesses implement more effective payment solutions. They specialise in higher-risk merchant processing, including CBD companies.
In addition, they also offer solutions for lower risk (but higher turnover businesses) such as those in the retail and E-commerce sectors. They have access to the largest selection of banking partners in the UK that accept CBD sellers, offering online, instore, recurring and telephone payments.

Benefits of choosing Axcess
  • Dual banking where two banks can be used through the same gateway.
  • The ability to accept CBD vape sellers with some banks
  • A Legal Opinion Letter is may be required
  • Only accept businesses that process over £50,000 per month
  • Ability to process purchases throughout Europe in numerous currencies
  • Integrations with WordPress & WooComemrce
  • A dedicated UK-based account manager

You can read more about Axcess Merchant Services in our blog post by clicking here.

Alternative ways to accept payment for CBD Oil via WordPress/WooCommerce

Simple Bank Transfer

If you are using WooCommerce, you can simply add an option to pay by bank transfer. When a customer is checking out, they can choose this method and it is down to them to manually send the money to your bank account. By doing so, this negates the requirement of needing a payment gateway.
You will need to check once the payment has been received and manually keep the orders up to date within the Dashboard of your website.

* We are not advising you to use the following methods, we are simply reporting what other websites are doing to accept payments.
Viva Wallet

I know, I know. Viva Wallet were one of the best options for payment gateways when selling CBD products but in August 2019 they announced they were stopping their support for the industry. Nearly a year later and we are still not 100% sure of their position as they continue to take on CBD clients.

There is a reason why they were so popular and that is because they provided an excellent set up of a business bank account and a payment gateway for your website. We have seen many websites still actively using Viva Wallet and some of our own clients have chosen to use them very recently (June 2020)

Due to a rough patch last year when they went cold on the industry, we would recommend being cautious and ensuring you protect your funds when receiving payments. Have a separate business bank account with someone else and transfer the funds across as you sell products online.  If Viva Wallet does decide to shut your account down, at least your funds won’t be frozen in the account if this unfortunate situation arose.

You can read more about Viva Wallet towards the end of this article. It outlines their previous service as well as their statement from last year when they decided to no longer provide payment gateway options for CBD companies.


Crazy I know, but some companies at the top of Google are STILL using PayPal. It is certainly risky and by no means a good solution. Similar to the bank transfer method, do not allow the customer to make payment directly through the website using PayPal.

Instead you will need to provide the customer with an email address associated with a PayPal account. They will need to send the payment manually, similar to the bank transfer method. You would need to ask the customer to add a note of their order ID.

I would strongly recommend using a second PayPal account as well as withdrawing any funds as soon as possible into your bank account as there is a strong chance your PayPal account could be shut down as they do not accept companies selling CBD Oil products.

Using PayPal would is risky, please remember this!

PayPal is not a regulated bank and is therefore not subject to the same legal requirements. One of the things that you agree to when you sign up for an account with PayPal is that they can freeze any funds in your account for up to 180 days if they disagree with your business practices.

Do a quick search on Google and you will quickly find thousands and thousands of complaints where companies have had their accounts closed for no reason. There are also countless others that have struggled to get the frozen funds released.

This is largely due to the fact that PayPal looks to the US for much of their regulatory oversight and, at a federal level, marijuana sales are not legal and CBD is equated with marijuana.

In the UK it is legal to purchase CBD via PayPal, but because Paypal is governed by US restrictions, PayPal in the UK still classifies CBD as a narcotic making it very risky for CBD companies using PayPal as a payment merchant.

Throughout the UK there have been many reports of PayPal freezing the funds and accounts of CBD stores selling legal products in the UK. This includes all different products such as CBD vape liquids, capsules, and oil. And, unfortunately, there is no way to appeal the decision. This means that businesses are unable to access the funds that they need in order to continue operations, and cash flow issues have led to the closure of some businesses. This high level of risk means that PayPal cannot be considered a viable option for CBD stores.

Can I Use ‘Stripe’ To Accept Payments & Sell CBD Products?

CBD oil is on Stripe’s UK Restricted Businesses list because it falls under the categorisation “marijuana dispensaries and related businesses” and “products and services with varying legal status on a state-by-state basis.” Similar to PayPal, their decisions are based on US law, so while CBD is legal in the UK, their terms and conditions prohibit the use of Stripe as a payment merchant.

Examples of CBD store owners in the UK having their accounts frozen or closed are widespread, in a post to customers on their site, OrganicFunktion mentioned that they had their account frozen by Stripe and were given 14 days to take payments on their website.


Having reached out to Viva Wallet, we have now received an official response in regards to their position with support CBD and Cannabis companies.

“Regarding CBD Oil, as much as we do like to work In collaboration with businesses that are involved in the field. Due to some issues with the banking solution we use, we’re unable to provide services to CBD merchants without the risk of losing our banking provider.

Regrettably, this means that we’re not able to support CBD companies in the UK for the foreseeable future.”

Viva Wallet, August 2019.

Outdated Information Regarding Viva Wallet And Their CBD Services

Viva Wallet accept online payments for CBD Oil and other products

Viva Wallet is Europe’s leading cloud-based payment acquirer and issuer and they welcome online CBD merchants to integrate their payment solutions for their stores. They provide affordable payment services with a global reach offering efficient, transparent multi-channel payment systems for both inward and outward payments.

As a top 50 Power Fintech company, they pride themselves on offering innovative solutions and for CBD businesses that have both a physical as well as an online store they have an end-to-end solution including physical card machines, a payment gateway, virtual terminal and pay by notification. They also offer the features of a bank account with it’s on IBAN/Sort code and account number, and they issue their own debit card, all of which can be managed in real time through a personalised dashboard.

Key advantages include:
  • A real-time, transparent dashboard
  • Same day/Next day settlement
  • Full card payment solution (POS, account and business debit card)
  • No contracts
  • State of the art card terminals
  • No hidden costs
  • No monthly or annual PCI charges
  • No per transaction authorisation fees
  • No minimum monthly charges
  • Low to zero acquiring charges when using a business Mastercard
  • The ability to export files for accounting and reconciliation
Frequently Asked Question! Does Viva Wallet work with Shopify?

Recently we have been receiving many messages asking whether Viva Wallet integrates with Shopify, the answer is YES. Please follow this link: How to link Viva Wallet to your Shopify Website.

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