Secure, compliant merchant accounts for CBD, hemp-derived products, vape & accessory sellers — online and in-store.
Overview
Invoteq provides payment processing solutions purpose-built for CBD, hemp-derived cannabinoids, vape, and related merchants. We combine robust underwriting, eCommerce and POS integrations, and compliance workflows so your business can accept cards reliably while minimizing risk and chargeback exposure.
Why merchants choose Invoteq
- Dedicated onboarding and underwriting for cannabinoid & vape businesses
- Support for card-present (in-store) and card-not-present (online) sales
- Age-gating and fraud mitigation tools to help meet compliance and reduce disputes
- Flexible settlement options and transparent pricing
- Integrations with major eCommerce platforms and most POS systems
Fast approvals & scope
Our underwriting is optimized for high-risk merchant verticals. While every application is unique, typical approvals for compliant applicants are completed quickly so you can begin accepting payments as soon as possible.
Key capabilities
- Accept credit & debit cards (Visa, Mastercard, Discover) where networks permit
- eCommerce tokenization, hosted checkout, and REST APIs for custom carts
- In-store EMV & contactless support via certified terminals and POS integrations
- Recurring billing and subscriptions for loyalty and refill programs
- ACH & alternative payment solutions on request
Accepted Business Types
We specialize in merchant accounts for:
- CBD oils, tinctures, topicals, and non-intoxicating hemp extracts
- Hemp-derived cannabinoids and accessories (where compliant with law)
- Vape devices, replacement coils, and non-controlled accessories
- Retailers, online storefronts, and subscription businesses focused on hemp/CBD/vape
Note: Federal law defines hemp as cannabis and its derivatives with a delta-9 THC concentration of no more than 0.3% on a dry weight basis; merchants should ensure products meet applicable federal and state limits.
Underwriting & Merchant Requirements
To approve a CBD or vape merchant account we typically require:
- Proof of business (EIN or business license)
- Government-issued photo ID for owners/principals
- Product compliance evidence — COAs / lab reports showing THC levels where applicable
- Website terms & conditions, privacy policy, and a clear refund policy
- Age-verification controls if selling age-restricted items (vape, nicotine products)
- Processing history or merchant statements (for existing businesses)
Providing these documents at application speeds approvals and reduces requests for follow-up information. For some merchant profiles additional controls (reserves, rolling reserve, or processing caps) may be required depending on risk.
Frequently asked questions
Can I process if my product contains trace THC?
Yes — products that meet applicable federal and state limits (for example, delta-9 THC ≤ 0.3% by dry weight at the federal level) are commonly acceptable. You must provide lab reports / Certificates of Analysis (COAs) to demonstrate compliance. :contentReference[oaicite:1]{index=1}
How long does underwriting take?
Underwriting time varies by risk profile and completeness of documentation; many compliant applicants receive responses rapidly. (Some high-risk programs offer expedited reviews.)
What platforms do you integrate with?
We support major eCommerce platforms (WooCommerce, Shopify, BigCommerce), common POS systems, and custom integrations via API or tokenization. Contact us to confirm compatibility with your stack.
Processing notes
- Transaction monitoring and chargeback management included
- Custom risk controls available (AVS, CVV, velocity rules)
- Settlement frequency and funding options are customizable
Get Started Free
Fast setup. No long-term contract. Cancel anytime.