CBD payments that stay rooted through every bank exit
Keep your existing processors · Go live in under an hour
Orchestrate the processors you already use
- Stripe
- Adyen
- Authorize.net
- Airwallex
- Checkout.com
- Paysafe
- +18%Approval-rate uplift
- 99.99%Routing uptime
- 20+Processors supported
- <50msAutomatic failover
How it works
Orchestration in three moves
Connect once, route everything, and let fail over and recovery run on autopilot, so a single decline, freeze, or bank exit never costs you an order or a subscribe-and-save renewal.
- 01 · Connect
Plug in every processor
Bring Stripe, Adyen, Authorize.net, and your high-risk acquirers under one unified API. Add or swap processors without touching your checkout.
- 02 · Route
Send each charge to its best home
Every transaction is routed by card brand, BIN, currency, amount, and live approval performance, landing on the processor most likely to say yes.
- 03 · Recover
Fail over and retry, automatically
If a processor declines, slows, or goes offline, the charge reroutes in milliseconds and retries on a backup, so the sale still closes.
The platform
See orchestration at work
From a single control surface to real-time routing and recovered revenue. Here’s what running on PaymentKit looks like.
One router, every processor
Connect Stripe, Adyen, Authorize.net, and your high-risk acquirers, then let PaymentKit route each charge to the one most likely to approve.
Every payment method, one checkout
Give customers cards, wallets, and BNPL (Apple Pay, Google Pay, Link, Klarna, PayPal), all orchestrated behind a single integration.
Grow and stabilize recurring revenue
For premium memberships and subscription tiers, orchestration keeps renewals flowing and your monthly recurring revenue climbing, even when a single processor stumbles.
Recovery and churn, in real time
Track recovered revenue and churn across every processor from one dashboard, and see exactly what orchestration wins back.
Capabilities
Built for revenue that can’t afford to stop
Everything a CBD or hemp merchant needs to keep approvals high and payouts flowing, across every processor at once.
Universal PSP routing
One integration connects to any processor or acquirer. Direct traffic by rules you control, route international users to local acquiring, or let live performance decide.
Zero-downtime failover
A processor outage or freeze no longer stops checkout. Traffic reroutes instantly to a healthy backup, with no customer-facing errors.
Cross-processor recovery
Soft declines get a second chance on a different processor, with retry timing tuned to historical success windows.
Approval-rate optimization
Routing learns which processor approves which customer profile, lifting authorization rates without you lifting a finger.
Fraud & chargeback shield
Chargeback protection with risk rules you set once and keep consistent across every processor: flag bad transactions while repeat customers sail through.
Compliance & risk support
Guidance through underwriting and acceptable-use requirements so your cbd merchant account stays open and your descriptors stay recognizable to customers.
Implementation
Launch with or without code
Build routing in the dashboard, or wire it up with a few lines of API. Either way, you go live in under an hour.
No code
Drag-and-drop routing rules
Set processor priority and add conditions by card brand, BIN, currency, or amount, then toggle fail over: no deploys, no engineers.
Prebuilt checkout components
Drop in PSP-agnostic, PCI-compliant payment fields and let PaymentKit handle the routing behind them.
Yes code
Live performance dashboard
Watch approval rates, fail overs, and recovered declines per processor in real time, and adjust rules on the fly.
One-click processor connect
Add or remove acquirers from a single screen. New processors join your routing pool instantly.
Single processor vs. orchestration
Why one processor is a liability
- Account shutdownSingle processorRevenue stops deadPaymentKit orchestrationTraffic reroutes, sales continue
- Frozen fundsSingle processorCash held for weeksPaymentKit orchestrationVolume spread, exposure limited
- Soft declinesSingle processorLost at first noPaymentKit orchestrationRetried on a backup processor
- Approval rateSingle processorCapped by one providerPaymentKit orchestrationOptimized across all of them
- Processor outageSingle processorCheckout goes downPaymentKit orchestrationFail over in milliseconds
- Switching processorsSingle processorRe-integration projectPaymentKit orchestrationA config change, not a rebuild
Who we support
Orchestration for every CBD business model
From boutique brands to national hemp retailers, PaymentKit gives CBD merchants stable, multi-processor infrastructure built to scale.
CBD & hemp brands
Tinctures, topicals, and edibles on a cbd merchant account setup that survives the category’s banking churn.
Hemp retailers & marketplaces
Multi-brand catalogs where one ambiguous SKU can flag the store, underwritten and routed properly.
Subscribe-and-save programs
Repeat-purchase CBD with adaptive retries recovering failed renewals, the revenue that makes the economics work.
Pet CBD & wellness lines
Animal wellness products with the extra claims discipline the segment demands, kept processing.
The problem
Why CBD businesses lose revenue on a single processor
The 2018 Farm Bill made hemp-derived CBD with no more than 0.3% delta-9 THC federally legal, and the banking system has spent the years since treating it as optional. Mainstream platforms prohibit the category, and the acquirers that do accept it churn constantly: a bank enters CBD, builds a book, catches a headline or a compliance scare, and exits, closing compliant accounts with the rest. FDA’s position on health claims adds a second tripwire, because a single product page implying treatment or cure can put an entire account under review.
SKU drift is the quiet killer. CBD catalogs evolve fast, and one product that reads as delta-8, elevated THC, or an unapproved ingestible category can reclassify the whole store in an underwriter’s eyes. On a single processor, that means checkout stops while lawyers exchange COAs. Meanwhile the business itself is repeat-purchase by nature, so every frozen week fails a cohort of subscribe-and-save renewals that took real marketing money to win.
Common triggers that get CBD merchants flagged on a single processor:
- Bank-level exits from the CBD category, regardless of your record
- Product pages implying disease treatment or medical outcomes
- SKUs drifting into delta-8 or elevated-THC territory the acquirer never approved
- Missing or outdated certificates of analysis for listed products
- Shipping into states with restrictions the store doesn’t enforce
- Chargebacks from subscription renewals without clear cancellation paths
Payment orchestration removes the fragility. Instead of betting the business on one provider staying happy, you distribute volume across several processors, so no single decision by a single processor can take you offline. Orchestration doesn’t replace good compliance. It protects you when a processor changes its mind anyway, and it keeps your risk and routing rules consistent whether you’re on one acquirer or six. That makes cbd payment processing far more resilient than depending on a single merchant account.
Compliance & approval
What keeps CBD merchant accounts stable
Acquirers that support hemp expect Farm Bill compliance documented, not asserted. Meeting these standards keeps underwriting smooth and separates you from the operators driving the bank exits. With orchestration, you apply them once and carry them across every connected processor.
Website & policy basics
- Current certificates of analysis linked for every product
- Product descriptions free of disease and treatment claims
- Clear subscription terms with an easy cancellation path
- Privacy policy, terms of service, and visible support contacts
Operational standards
- Catalog kept within the THC limits your acquirers approved
- State shipping restrictions enforced at checkout
- Age verification where products or states require it
- Fraud monitoring, 3DS, and PCI-compliant checkout