⏱ Q2 Priority Onboarding — Applications reviewed within 48 hours. Apply before spots fill →
Payment Processing for CBD · Kratom · Peptides · Telemedicine
Stripe Said No.
Square Said No.
PayPal Said No.
MSD Says yes.
Stop begging generic processors for permission to exist.
We specialize in the high-risk industries they won't touch.
You build a legitimate business and it’s treated with suspicion instead of support.
Risk decisions are often driven by automated algorithms used by processors.
No sudden account freezes or 90-day hold-ups.
No automated "unsupported business type" emails.
"Every day you're not processing is a day you're losing customers to competitors who figured this out before you. That's not just frustrating — it's compounding. At an average of $1,800 in monthly sales, 30 days of delay costs you $1,800 you will never get back."
⚠ The cost of inaction is $60 per day. Every day without processing.
You are not a "high-risk merchant." You are an entrepreneur in a $6 billion market that mainstream processors are too scared to serve.
You are a specialist. You need a specialist partner.
The Big Three (Stripe/Square/PP)
Low-risk only focus
Algorithmic underwriting
Aggregator model (High volatility)
Instant shut-off policy
Merchant Services Direct
High-risk specialized architecture
Human-led individual underwriting
Direct MIDS (Bank stable)
24/7 dedicated risk mitigation
Hemp-derived CBD is federally legal under the Agriculture Improvement Act of 2018, and kratom is legal in most U.S. states. Our business operates within applicable laws—the challenge often comes from how payment processors assess and manage risk in these categories.
Read This Before Going Any Further
built MSD because we watched good businesses fail over a paperwork policy.
We've been in the payment processing industry for years. And we kept seeing the same thing: talented entrepreneurs with compliant, legal CBD and Kratom businesses — being rejected by processors who never even looked at their application. They got a form email. No explanation. No path forward.
Most of them gave up. Some cobbled together risky offshore solutions that eventually fell apart. A few lucky ones found their way to a processor that understood their industry. We decided to be that processor — not as an exception, but as our entire reason for existing.
Most of them gave up. Some cobbled together risky offshore solutions that eventually fell apart. A few lucky ones found their way to a processor that understood their industry. We decided to be that processor — not as an exception, but as our entire reason for existing.
Most of them gave up. Some cobbled together risky offshore solutions that eventually fell apart. A few lucky ones found their way to a processor that understood their industry. We decided to be that processor — not as an exception, but as our entire reason for existing.
MSD built a dedicated high-risk underwriting team, established domestic acquiring relationships that accept CBD and Kratom by policy, and created an application process designed to get legitimate businesses approved — not to screen them out.
94%
Approval Rate
48h
Avg Setup Time
$0
Upfront Costs
5 Days
Payout Frequency
Everything You Get When MSD Approves You
A complete financial stack engineered for high-volume, high-compliance
merchants.
direct bank relationship
Real MID's that you own. No shared risk pools or aggregator
vulnerabilities.
Value: Included
Chargeback Shield
Integrated dispute management that stops chargebacks before they happen.
Value: Less
Multi-Currency
Settlement
Scale globally with support for over 135 currencies and local payouts.
Value: Included
Merchants Who Were Rejected Elsewhere.
Now Processing with MSD.
"Stripe froze $450k of our funds for 120 days
without explanation. MSD got us a direct MID
in 72 hours and we haven't looked back."
CEO, High-Growth SaaS Vendor
"Every major bank said we were too risky for
CBD processing. MSD understood our
business model and helped us scale to 7
figures."
Founder, E-commerce CBD Brand
"Every major bank said we were too risky for
CBD processing. MSD understood our
business model and helped us scale to 7
figures."
Founder, E-commerce CBD Brand
The MSD Approval Promise
We understand the anxiety of applying again after being rejected. So we've
made applying to MSD a zero-risk decision.
What We Guarantee:
Your application will be reviewed by a human underwriter — not an automated system — within 48 hours.
If we approve you, you will receive a written offer with full, transparent pricing before you sign anything. No surprises.
If we cannot approve your application, we will tell you exactly why and give you a clear, written roadmap of what you need to change to get approved — at no charge.
Zero application fee. Zero commitment until you countersign your merchant agreement. You are never obligated.
Your application data is never shared, sold, or used for marketing by any third party.
The only thing you risk by applying is finding out in 48 hours whether you're
approved. That is not a risk. That is an answer.
Questions We Hear Before Every
Application
How can you approve what others won't?
Yes. Hemp-derived CBD (less than 0.3% THC) is federally legal under the 2018 Farm Bill and legal to sell in all 50 states. Kratom is legal in 43 U.S. states as of 2026. MSD processes merchants in all states where these products are legal, and our underwriting team verifies compliance before approval.
What's the difference between MSD and processors like Stripe?
Stripe, Square, and PayPal are built for low-risk, general retail. Their underwriting is largely automated, and CBD/Kratom triggers an automatic rejection. MSD is built specifically for specialty and high-risk merchants. We have acquiring bank relationships that accept these categories by policy — not as exceptions. Every application is reviewed by a human.
Will I be hit with hidden fees or a large rolling reserve?
No. Before you sign anything, you will receive a written merchant agreement that spells out every fee — processing rate, monthly fee, chargeback fee, and any reserve requirement. Nothing is charged until you agree in writing. We do not do bait-and-switch pricing.
I've been rejected multiple times. Will that affect my MSD application?
Not negatively. Previous rejections from Stripe, Square, or PayPal are not marks against you in our underwriting — those processors reject CBD/Kratom categorically, regardless of business quality. Our underwriters evaluate your specific business: your compliance, your chargeback history, your website, and your financials. A rejection from Stripe is not a rejection from MSD.
How long does the full process take from application to live processing?
Underwriting decision: 48 hours average. Once approved, agreement review and signing: 1–2 days. Gateway setup and platform integration: 2–3 days. Most merchants are fully live within 5 business days of approval. We move fast because we know every day of delay costs you revenue.
What do I need to apply?
The application takes about 5 minutes. You'll need: your business name and contact info, your business type (CBD, Kratom, or both), your approximate monthly processing volume, and your website URL if you have one. Our underwriting team will reach out within 48 hours for any additional documentation needed.
Imagine your store
open. Payments
processing. Business
growing.
The rejection cycle ends today. Fill out our pre-app in 2 minutes. One of our human specialists will review it within the hour.
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