Accepting credit cards, warehouses, and shipping and fulfilling orders
Hello! I just wanted to share that until 3 months ago, I had no idea that it was not allowed to sell CBD oil products using Paypal or Stripe.
I'm a soapmaker and bath bomb maker. I wanted to start making bath bombs with CBD Oil in them. I was on Squarespace and Paypal froze my account.
Ugh.
This forced me to do some digging and after looking at half a dozen payment merchants I went with InclusivePay. I know that a lot of other people might find themselves in the same boat.
Hi JAH5,
I sincerely apologize if something I wrote frustrated you.
I did read your previous statements. It's obvious that you're experiencing some frustration. Your opinion on a technical deliverable was incorrect. I did not mean to offend you by sharing ways to fix the problem. That's all I'm trying to do.
This particular merchant applied for credit card processing on a Thursday and got activated the very next day. Again, as long as your website complies with Shopify's Payments Policy and card brand requirements --- there are solutions that can take your website live in 24 hours.
Decide what you want to do. Help is available.
Happy Selling,
Kevin James
Shopify Approved Partner | Full-Stack Developer
kevin@kjproweb.com
JAH5,
Calm down my friend. You don't have an enemy here. It seems like I'm getting my head chewed off for actually giving you the solution that would solve the problem.
Since I don't read (according to you), I'll pretend that I didn't read your December 5, 2019 post where you wrote;
"...my store was denied for having plant based resin incense not related to hemp ,cbd or cannabis." [End quote]
Plant-based resin incense are a high-risk product regulated by laws in certain states.
Direct-burning incense (or "combustible incense") sold with the intention of being lit by fire, inhaled, or creates smoke for recreational purposes, etc., will require that you find an ALTERNATIVE PAYMENT PROCESSOR or use a 'MANUAL PAYMENT PROCESSING solution as I recommended.
There are plenty of Shopify approved partners & expert developers that write API code. You could be up and running in 48 hours.
Good luck,
Kevin James
@JAH5 I just wanted to check in since it's been almost a month since our last chat convo - have you had any further luck when it comes to merchants?
Hi,
Since mid-December we've been getting merchants approved AND activated within 3 to 7 business days. Never longer.
Acceptable products include; legal CBD oils/tinctures, CBD isolate powders, gummies & sport drinks, and CBD-infused topical rubs.
RATES & FEES
All of the information required to sign up is posted on our corporate website.
Happy Selling,
Kevin James
Shopify Approved Partner & Expert Developer/Coder
(303) 257-4484
The ongoing challenge i'm having with merchant providers is there and tuck and run approach with friendly fraud charge backs. We determine friendly fraud as customer accepts goods and immediately contacts their credit card company and dispute charges. Their credit card company hears the word cannabis and never evaluates the case further. In 8 years of selling online i've never actually won a charge back. In each case I've always (as a last ditch effort) offered to pay return shipping on clean used items and refund 100% of the customer's money instead of being out money and products. I'm looking for the eCommerce payment method that doesn't offer charge backs? I'm under the impression that international debit cards, echeck, and money order services like western union may be a temporary safe solution until the cannabis banking sector gets their shit together. my current magneto 2 (money pit) store is newvape.com . Anyone reading this willing to offer advice I'd love to hear it. Is there a western union gateway? If you analyze Alibaba payment methods you will notice echeck and WU as options. My problem is that shopify still charges a transaction fees for manual transactions. It appears that ecwid and WU may be my only solution. Here are some of the services we have been tried in the past. square, paypay, ebay, pintrest, quickbooks, chase, bank of america, google shopping, amazon. We recently implemented a card not present paper sales agreement which the customer must sign and include a copy of his photo ID and credit card and signature. I just received a 3k charge back for a rosin press shipped over Christmas 2019 to Canada. The signed form has been submitted to our cc company and my fingers are crossed that we might provide them with the ammunition to help us. I can be reached at ed@newvape.com My company makes metal parts only no ejuce no cbd. I'm looking to build a new store and brand www.cannabishardware.com
Thank you @JAH5 charge back protection is a new concept. With respect to e-check processing how vulnerable to charge backs do you think they are? Have you seem them used in shopify stores?
@edwyn I'm going to answer your questions and concerns as best as I can from a processor & acquiring bank perspective, given I personally underwrite CBD and Cannabis accounts. It is important to note though, that what we are comfortable doing is different than other processors and acquiring banks.
1. In the US, you should 100% avoid having cannabis or CBD in your domain and preferably in your company name. The industry is unregulated and it causes concern instantly because businesses that have CBD or Cannabis in their name are statistically non-compliant.
2. Magento is a great platform. Shopify is great too. And has limitations for cannabis. Personally, given the climate today - Jan 2020, if you are doing flower or cannabis you should be cautious about using Shopify. Magento is ok with gateway integrations, WooCommerce will always be the better solution because you own the system and are not renting your website or bound to other T&C, and it works with many gateways.
3. The overall cost of friendly fraud is projected to the top $25 billion in 2020. The total cost of all chargebacks in 2017 was $31 Billion. In 2016, 53% of chargeback cases reported, merchants won the chargeback 41% of the time. So as you can see this problem is too far-reaching and honestly CBD and Cannabis have little to do with the issue. The system is totally broken and it will require massive changes to the Fair Credit Billing Act of 1974 and other chargeback laws to help decrease chargeback fraud.
Chargeback management is difficult and often frustrating. All chargebacks can be traced to one of three sources: criminal fraud, friendly fraud, or merchant error. Bank descriptions can be too generic and reason codes are often misleading. Our team has a solution that has been developed using intelligent source detection - a blend of patent-pending technologies and expert human forensics that identifies the true source of chargebacks. Telling us which chargebacks we should fight and which ones could have been prevented. This exclusive approach increases win rates, decreases chargebacks and helps
improve your reputation with banks and your customers.
In the meantime, I would be happy to provide you a free analysis of how our services could help you mitigate your loss.
4. For higher volume transactions (ie. 3K purchase), ACH or direct deposit will be your best option. Lower fees etc. MU has crazy fees - at least $1000 a month in fees.
5. Statistically speaking, DIY chargeback management like implementing what you have, without professional oversight is not very effective in most cases. While writing having a pre-signed letter is certainly an improvement in Card Not Present, it really comes down to your letter. It's the most important part of the process, the overall system for disputing chargebacks is complicated, hard to understand, and subject to being revised frequently and without notice. Plus, individual parties--banks, card networks, processors--all have different guidelines, which makes successfully disputing a chargeback incredibly complex. As if that's not bad enough, merchants sending wrong, incomplete, or misleading information with the rebuttal letter can actually do more harm than good.
If you want professional help. let me know.
Be aware.
American Express has added CBD (Hemp and Marijuana Derived) to its prohibited list.
Their documentation online has not yet been updated to display this, however, a representative at the card brand just informed us.
So if you have AE option for processing today through Square or alternative programs, hope that you don't experience a chargeback, because the moment you do with AE, you will lose your ability to process with them. Just happened.
I would imagine solutions in the United States to start removing AE for CBD processing solutions because they could lose their license by trying to work around with their blue program. If they don't, again, pray for no chargebacks.
Hi Kevin
Can you help a brother out?
My company is located in Sweden, Still can work something out? I sell cbd flowers, leaves and CBD Hasch. All legal off course:-)
I need a payment provider but since I am still a very small business I cannot afford high cost etc.
You can mail me at: hoolyhemp@gmail.com
Br
John @ Hooly Hemp
Hi John,
Check your email. I sent you all the details, including pricing and boarding requirements necessary to help you get credit card acceptance for your online store. Yes, our banks and payment processors support Shopify users worldwide. Got questions? Correspond with me through my company website.
Happy Selling,
Kevin James | Shopify Partner & Full-Stack Developer
KJ ProWeb | https://www.kjproweb.com
I was in the same boat. I just got approved quickly like in 5 business days after I gave them all they wanted. THe company name and details are below. Their customer service responses are very quick. Please tell them Uday gave you reference. They have not promised me anything but I just liked how easy and upfront they were to deal with. Go check them out. I am only selling thru my website, ohmlife.guru
AllayPay
274 S University Dr.
Suite B
Plantation, FL 33324
+1 (888) ALLAY-01
Can you please help me, I am planning to start CBD OIL and Hemp-Derived Flower Shopify website. I all all ready except my merchant/payment gateway. can you please help me to find a decent payment processor ? My main market to start will be UK, Europe. then i will be planning to expand.
I would like to know below Details,
1) What details payment provider will be asking to open my payment facility.
2)) Can I integrated it with Shopify
3) How will be the charging structure ? do they charge a annual subscription or will be be transaction based fees? What is the best transaction fee % as a start up business.
4) What is the lead time of depositing payments to my bank account.
5) What are the other things that I should be consider ?
6) How long is the application process?
Thanks please drop me a DM with your details. I will send you a email.
Thanks
Kevin, could you please reach out to me about the CBD merchant accounts? I have some questions and would love to set something up.
Thanks!
Carly
carly@greenapothecary.net
Kevins Google Pay solution is a fantastic option for brand new startups, who cannot afford monthly gateway fees. His solution has helped a lot of CBD merchants get on-board, especially when Elavon dropped the ball.
With that, I just wanted to update sellers who are looking for viable and approved by Shopify solution, that is working, and is domestic (no hot desk or offshore).
Option 1: CBD Domestic Program (VISA, MC, Discover, AMEX) (Take payments in 3-7 Business Day)
Payment solutions for all CBD payment types: In-Person, Online, & Mobile
Products Approved: Hemp-Derived Flower, CBD Oils & Tinctures (Human), CBD Oils & Tinctures (Pets), CBD Topical Creams, CBD Salves and Rubs, CBD Gummies, CBD Beverages, CBD Vapes, CBD Terpenes, CBD Infused Skincare & Beauty Products, CBD Capsules, CBD Bath Bombs
Domestic Banks: Two Sponsoring Banks
Online & Mobile Rates: 4.95% Flat + $.25 cents per transaction. Retail Rates: 3.95% Flat + $.25 cents per transaction.
New start-up businesses accepted: Business must be 3 months older + 3-month average bank volume greater than $2500
Individual MID (Says your name on receipt/card statement)
We can pre-vetting your business by sending an online questionnaire and underwriting has been getting back to us in 24 hours with feedback.
Option 2: EMB Pinwheel Gateway Integration With Square (Take payments in 60+ Days)
There are other third-party solutions that work by using a Shopify Approved 3-Party Integration software, which requires additional monthly fees.
And, if you are looking to understand the complexity of the merchant space, check out this article on Medium that explains 6 obstacles processors struggle with.
JD
IntegrityPay / Versus
Shopify Partner
jd@integritypay.co
Hi Vine,
Very important tips I'm sharing with you right here.
If you have not yet found a CBD-friendly payment processor OR if you're still waiting in that eternal 'pending underwriting approval' list, you need to activate a MANUAL PAYMENTS method in order to get paid. Whether you know it or not there are excellent peer-to-peer credit card acceptance solutions such as Google Pay, Apple Pay, Pop Money, and several others --- that can be integrated into your checkout page.
Using an alternative payment processor or manual payments method complies with Shopify's Payments Policy, it gets you out of trouble, and money lands in your bank account quickly.
Happy Selling,
Kevin James
Shopify Approved Partner | Expert Web Developer
kevin@kjproweb.com
Question about integrating GooglePay - Will this solution work with POS and e-commerce? Or just e-commerce?
Take a look at https://help.shopify.com/en/manual/payments/accelerated-checkouts/google-pay
It appears it only works with Shopify payments. If you're selling CBD products then you're probably not using Shopify payments. In addition, I didn't see anything regarding POS / Google Pay.
@easyePayments wrote:Take a look at https://help.shopify.com/en/manual/payments/accelerated-checkouts/google-pay
It appears it only works with Shopify payments. If you're selling CBD products then you're probably not using Shopify payments. In addition, I didn't see anything regarding POS / Google Pay.
I believe @kjproweb has a workaround to get this implemented with Google Pay. I'll defer to him for more information on that though.
- Kyle
Hi Mary,
The answer is yes, but it's a conditional yes.
If you're selling a federally regulated product such as hemp-flower, CBD, kratom, etc., the answer is, no (kinda of sort of, no). You will not be able to integrate Google Pay into Shopify by activating Shopify Payments. That won't work because you would be violating Shopify's Payment's Policy.
The work around is to use Google Pay as a [manual payment option] or use their free API code library. About two years ago, I began integrating Google's free API code help a few hemp farm owners. I've boarded well over 200 CBD sellers onto Google Pay. They pay no transactions fees whatsoever with Google Pay. No monthly fees either. Nothing.
The Google Pay API code library is the secret to our success. Again, it's 100% free to access and use. I just gave away a powerful secret. Over the last two years Google has never shut down even one of my accounts. So, I know exactly how it works.
HOW TO GOOGLE PAY (eCommerce only. CBD & Hemp)
Know how to edit and customize [.liquid] pages or leave it alone! If you don't know how to code, you can end up destroying your website theme.
Happy Selling,
Kevin James
Shopify Partner & Full-Stack Developer
kevin@kjproweb.com
Very cool. I now know who to go to.
Hi Mary,
The answer is yes, but it's a conditional yes.
If you're selling a federally regulated product such as hemp-flower, CBD, kratom, etc., the answer is, no (kinda of sort of, no). You will not be able to integrate Google Pay into Shopify by activating Shopify Payments. That won't work because you would be violating Shopify's Payment's Policy.
The work around is to use Google Pay as a [manual payment option] or use their free API code library. About two years ago, I began integrating Google's free API code TO help a few hemp farm owners. I've boarded well over 200 CBD sellers onto Google Pay. They pay no transactions fees whatsoever with Google Pay. No monthly fees either. Nothing.
The Google Pay API code library is the secret to our success. Again, it's 100% free to access and use. I just gave away a powerful secret. Over the last two years Google has never shut down even one of my accounts. So, I know exactly how it works.
HOW TO USE GOOGLE PAY (eCommerce only. CBD & Hemp)
Know how to edit and customize [.liquid] pages or leave it alone! If you don't know how to code, you can end up destroying your website theme.
Happy Selling,
Kevin James
Shopify Partner & Full-Stack Developer
kevin@kjproweb.com
It's unfortunate that you're having that struggle. By the way, Square Payments is incompatible with Shopify. They're actually competitors. I'm surprised that the Square representative didn't share that with you.
Your Options
There are two US domestic banks that I've recommended to my clients who are hemp farmers and CBD sellers. Both banks have done an excellent job of getting my clients boarded inside of 3 to 5 days.
Happy Selling,
Kevin James
Shopify Approved Partner #917172
Certified Full Stack Developer
(818) 850-1034
Hi ResoluteCBD,
I sent you a private message. I am an authorized EMB partner and was one of the first to offer that platform to CBD sellers here are Shopify. Unfortunately, Square Payments does not integrate with Shopify. There are hundreds of CBD sellers who signed up for Square Payments, waited weeks to get approved --- only to find out that integration was not possible.
Feel free to send me an email or give me a telephone call. I only deal with US domestic banks and processors capable of getting the job done in 5 days or less. As the authorized representative of the two banks and the processor, I patiently walk you through the process.
Happy Selling,
Kevin James
Shopify Approved Partner #917172
Certified Full Stack Developer
(818) 850-1034
I sell sports nutrition and dietary supplements and added CBD recently. Also in need a merchant provider to allow the sale of the CBD products.
Square is a fabulous payment processor with a ton of magnificent tools. Only one problem. Square is incompatible with Shopify. Square Payments [WILL NOT] work on Shopify's platform. In fact, they're competitors. I've had to help countless CBD sellers who've applied with Square (after waiting 4 to 6 weeks), they got approved --- only to discover it doesn't work on Shopify.
Happy Selling,
Kevin James
Approved Shopify Partner | Expert Front-end & Full Stack Developer
kevin@kjproweb.com
That's great news, ResoluteCBD!
It means that Emerchant Broker solved a problem that's been prevalent for over a year. It's great to know that more tools and solutions are being brought to the table.
By the way, I am an authorized ISO for EMB and have been for well over a year. My direct EMB rep at corporate is Shane Berry, a great guy. As I said before, Square Payments is a fabulous processor with a ton of great tools. The biggest issue [was] its incompatibility with Shopify. On top of that, Square (not EMB) began terminating accounts that fail to generate minimum monthly transaction volume. If you have more to share, please enlighten and educate.
Happy Selling,
Kevin James
Approved Shopify Partner & Expert Developer
Hi,
Our site sell's CBD and is need of help adding payment processor.
Thanks!
Hi All,
Best way of selling CBD Oil based products on ShopiIfy stores is having your own preferred payment gateway integrated to your store.
See below two steps.
1) Find a any suitable merchant/payment gateway provider who can offer you a merchant facility for your CBD OIL or any kind of high risk products
2) Integrate above preferred Merchant/Payment gateway to your Shopify store ( Send me a message, I am happy to assist with you in regards to integrating third-party IPGs to Shopify stores)
Happy selling.
Regards,
Hi Ischoettle,
I sent you a private message to your dashboard here on Shopify. Everything you need to get approved and activated in 3 days is there. No problem.
Happy Selling!
Kevin James
Approved Shopify Partner | Expert Front-end & Full Stack Developer
kevin@kjproweb.com
Hi! I’m trying to set up an alternative payment provider for my CBD products. Can you help with EMB?
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