Flow StateConsulting

Merchant services

Merchant accounts for CBD and hemp-derived products.

CBD, hemp flower, THCA and other hemp-derived product sellers can get card processing through sponsor banks that knowingly underwrite the category. We place these accounts through TakeCardToday, a registered ISO of BMO Harris Bank N.A., FFB Bank and Citizens Bank N.A. Most complete files are decided within days.

Get a free rate quoteEmail your statement
PartnerTakeCardToday
Sponsor banksBMO Harris, FFB, Citizens
DecisionsMost complete files in days
QuoteFree, with a statement review

Why these accounts get declined.

Most declines come from applying to a processor that doesn’t accept the category, or from an incomplete file.

  1. Rules are changingHemp is federally legal within THC limits, but federal and state rules are changing, and some states restrict products like delta-8 and THCA.
  2. Proof of what’s in the productBanks need to know what is in each product, so third-party lab reports matter more here than anywhere.
  3. Payment apps restrict the categoryMany mainstream payment apps restrict or prohibit hemp-derived products in their terms, and accounts are often closed after review.

What underwriters will ask.

Have answers ready for these, and the application moves faster.

  • Third-party lab reports (COAs) for each product
  • Which products you sell: CBD, flower, THCA, delta-8, edibles and others
  • Where you sell and ship, and how you block restricted states
  • How you verify age
  • Your labels and marketing, with no health claims

What to have ready.

The application takes about 10 minutes, and having everything ready is the biggest thing that speeds up approval.

  • EIN and business formation documents
  • Voided check or bank letter for the business account
  • Government ID for each owner with 25% or more
  • Three to six months of processing statements, if you already process cards
  • Website with product pages, pricing, and refund, shipping and privacy policies
  • Product list, plus lab reports for regulated products

What we set up.

We prepare the file with you and stay your contact after approval.

  • Cash discount so customers cover the card fee
  • Card processing in store and online
  • KORONA POS for retail counters
  • ACH and eCheck
  • Online checkout through a payment gateway

Free rate quote

Two minutes to a real number.

Tell us about the business. We'll come back with the program that fits and what it will cost, or tell you straight if we can't place you.

Rather send a statement? Email your latest processing statement and we'll show you your effective rate, line by line.Email your statement
Call or text
+1 941-376-8767

Last month at minimum, and the last three months if you have them. PDF, photo or spreadsheet, up to 10 MB each. Not processing yet? Pick that under monthly card volume and skip this.

How to download your statement
SquareSquare doesn’t send a monthly statement. Go to Reports → Sales summary, set last month’s dates and export or print it. Then do the same under Reports → Accounting → Fees and attach both.
StripeReports → Balance summary → choose last month → Export as PDF. For the fee detail, Reports → All fees → Download.
CloverSettings → Billing & Statements → Monthly Statements, then open the Merchant Processing Statement (not the Clover plan bill). On the older dashboard it’s under Account & Setup. If your bank handles processing, download it from the bank’s merchant portal.
PayPalReports → Monthly statements, click Request next to last month, then Download.
Shopify PaymentsFinance → Documents → Shopify Payments activity report, set last month’s dates, then Export to PDF.
ToastToast Web → Reports → Payments → Processing statements, pick the month and location, then download it.
HeartlandLog in to InfoCentral → Statements, open last month and export it to PDF.
Fiserv / First DataCommerce Control Center → Statements → Monthly Statements, then pick the month.
WorldpayIn the iQ portal, go to Reports and Statements → Reports and pull last month’s merchant statement (report type BIMERBIL).
HelcimAll Tools → My Business → Monthly Statements, then download last month’s merchant statement.
Authorize.netAuthorize.net only bills for the gateway. Get the statement from the company that runs your merchant account, such as Fiserv, Worldpay or your bank.
Anyone elseLog in to your processor’s portal and look for Statements or Documents. Send the full monthly statement, not a deposit report. No portal? Call them with your merchant ID and ask for the last three months as PDFs.

Free and no obligation. We'll reply by phone or email.

FAQ

Common questions

Do you work with THCA and delta-8 sellers?
Yes, where the products are legal to sell. Expect underwriters to ask for lab reports and how you block restricted states.
Why do lab reports matter so much?
They show the bank what is in each product, including THC content. A complete set of current lab reports is one of the biggest factors in a smooth approval.
I was shut down by a payment app. Can you still help?
Often, yes. It's one of the most common reasons merchants come to us. Tell us what happened up front. A past shutdown doesn't rule you out, but the application has to account for it.
Will I have a reserve?
Possibly. A reserve is a percentage of each batch held back for a period to cover chargebacks, and many high-risk accounts carry one. You'll know the reserve and funding schedule before you sign.
How fast is approval?
Most complete files are decided within days. Missing documents are the usual cause of delay, so we check the file before it's submitted.

Other business types we place: Smoke and vape shopsKratomSupplements and nutraceuticals All industries

Work with us

Get your rate quote.

Two minutes on the form, or send your latest statement. Either way, you get a straight answer.

Get a free rate quote
Phone+1 941-376-8767
Emailsales@flowstateconsultations.com