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High Risk Payment Processors

A Non-Traditional Solution for Your Non-Traditional Business

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Point of Sale Processing for Hemp, CBD, and E-Cig Companies

Journey Business Solutions provides credit card processing to those in the CBD, Hemp or E-Cigarette industries, at a highly competitive rate. By utilizing all domestic banking, Journey Business Solutions provides fast approvals and transparent pricing with no reserves on your funding.

No more worrying about accounts being shut down due to new regulations in your industry or wondering which processing system is best for your non-traditional company, we understand the risk involved, and we take that liability away through proper underwriting and honesty.

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We offer a full slate of solutions to fit your business needs:

  • Storefront businesses in need of terminal and point-of-sale solutions.
  • E-commerce businesses that are looking for a processing gateway.
  • Non-traditional merchants that need help with risk management and liability.
  • Retail stores in need of Cash Discount accessibility.
  • High risk businesses in need of a payment processor.
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Cash Discount Program

Journey Business Solutions offers Cash Discount pricing for retail stores, using our terminal or Point of Sale Systems. With this pricing structure the merchant is able to offset their processing cost by offering the customer a "Cash Discount." If the customer chooses to pay with a credit card, the processing fee will be added to the purchase. This will eliminate processing fees for the store owner and improve the business's bottom line.

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Ready To Get Started?

Read on to learn more about high-risk industries and how to select a payment processor, or contact Journey Business Solutions for a consultation to help you find the answers to all your questions today.

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CBD Requires a High-Risk Processor

Non-traditional industries like CBD, Hemp, and E-Cigarettes require a high-risk payment processing system. In order to streamline business operations and protect the company from any regulatory changes that make the business subject to liability, Journey Business Solutions can help.

We assist your business avoid any potential or future issues with finances and regulation changes. We utilize domestic banking to provide fast approvals and transparent pricing with no reserves on your funding. We want to help your business grow and succeed both online and in your retail space. Rather than shy away from the high-risk component of these non-traditional industries, Journey Business Solution is eager to step into the role as your next high-risk payment processor.

What Is a High Risk Merchant?

A high-risk merchant is a merchant or business whose industry is considered to have a greater likelihood of fraud and/or payment disputes. When a chargeback occurs, it means the funds disputed are held from the business until the card issuer considers said transaction and determines what to do. If the funds to the business are denied, a payment processor will require the merchant to make good on lost funds.

Why Is CBD High Risk?

CBD product sales are considered to be high risk because the industry is fairly new, despite discovery of the cannabinoid in the 1940s, and because of how the oil is cultivated. CBD is federally legal. However, it is derived from cannabis, which is not federally legal and considerably more taboo. CBD’s affiliation with cannabis puts it in a legal gray area that serves as a more high-risk issue for businesses of this type.

Hemp Payment Processing

Hemp, like CBD, is closely affiliated with cannabis and considered high risk. Oftentimes, people conflate hemp and cannabis as being the same plant when, in fact, they are two different plants. As a result, hemp business owners struggle to find a payment processor willing to take on that risk with them. At Journey Business Solutions, we do understand the difference, and we’re willing to work with you and your business to manage that risk.

E-Cig Merchant Services

Electronic cigarettes, more commonly known as “e-cigs” are considered high risk because of the new, changing legal focus around these products, and how their safety is often put into question. (The safety of the products themselves is still being researched as an alternative to smoking.) Like CBD and hemp, e-cigarettes and vaping is a newer industry, and at Journey Business Solutions we want to conduct an open and honest business relationship with you, so you can process payments and make a living.

What to Look For in a High Risk Payment Processor

As you begin your search for a processor, consider a company that is not afraid to help you operate your business as they would a low-risk company. Where Journey Business Solutions is concerned, you’re interested in making a living and providing a service to others just like any business owner. We want to assist you as best we can and will do so by being transparent and honest. No tricks, deferrals, or cold feet. Regardless of the type of business, we always offer the most transparent pricing and solutions best suited for your business.

If you are just beginning your search for a payment processor, consider the following:

Payment Processing With High Risk Capabilities

As mentioned above, higher-risk merchants are considered as such because they are newer industries with more risk of chargebacks and fraud. We are in the business of providing retail vendors, merchants, and more with solutions to help them process payments and operate efficiently. Our experience makes us a viable solution in helping you with your high-risk payment processing needs. This kind of gateway payment requires knowledge, intuition, and experience that Journey Business Solutions can provide.

Integrate Hemp into Your Payment Processing

Don’t feel pressured to switch to a brand new processing platform and compromise your business operations just to include high-risk products like CBD, hemp, and e-cigarettes. Go with a company that has the option of integrating your current system with their CBD credit card processing system seamlessly. At Journey Business Solutions, our goal is to work with you, not make you work with us. 

What Kind Of Point Of Sale System Works Best For Your Business

If you are in need of a new payment processing system that can be paired with high-risk capabilities and need a point of sale terminal that is just right for your business, Journey Business Solutions can consult you on which of our available terminals will be best for you. We don’t offer just any one system; we have a variety to choose from which can be integrated with high-risk payment processing systems.

Fees and Point of Sale System Abilities

Journey Business Solutions is able to provide credit card processing to you at a very competitive tradition rate. By utilizing all domestic banking, Journey Business Solutions is able to get fast approvals, offer transparent pricing with no reserves on your funding.

Customer Support

When selecting a payment processor, choose a company that not only provides everything you need for your business to function, go with the option that supports you no matter what. Don’t find yourself stuck with a company who will sign on with you then leave you in the dark. Journey Business Solutions is here to support you, 24/7.


Best High Risk Payment Processors

Take time to consider which high-risk payment processor you want to use for your non-traditional business. Reach out to any of our Journey Business Solutions consultants so they can guide you through the process in an in-depth way so you’re clear on everything you need to run your business without added risk. Understanding what you need to do to operate your business in addition to navigating legal issues and changes, regulations, fraud, and more, Journey Business Solutions can guide you in the right direction about what you need for your business.

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High Risk Credit Card Processing for CBD Businesses And More

Regardless if you are in the business of CBD, Hemp, E-cigarettes, or another high-risk industry, Journey Business Solution is an experienced provider with a variety of point of sales systems that can be integrated to fit your business needs. Contact us today with any questions, comments, or concerns to get started with your non-traditional business today.

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This material does not constitute legal, professional or financial advice and BigCommerce disclaims any liability with respect to this material. Please consult your attorney or professional advisor on specific legal, professional or financial matters.

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