Payment solution for smartshops and CBD shops
LunaPay arranges card acceptance for smartshops and CBD shops at the counter. Where banks are hesitant with this line of business, we do set up your payments, with multiple licensed acquirers so your acceptance stays stable. If you sell legal CBD products within the applicable norm, we make sure your customer can simply pay by card in the shop.
Why smartshop and CBD are treated as high-risk
Smartshops and CBD shops sell legal products, but banks and providers treat the sector as high-risk. That comes down to the regulations around the products, the claims made about them, and the uncertainty over the THC limit within which CBD may be sold. As a result, applications get rejected or accounts are terminated over time. We know this sensitivity and set up your acceptance compliantly, with partners who accept the sector.
What you get with LunaPay
A smartshop or CBD shop runs at the counter:
- Card payments at the counter with terminals connected to your till.
- Multiple acquirers as a backstop for continuity.
- Fast payout, depending on your package.
- A dedicated point of contact who understands your line of business.
Your payments keep running.
Most providers rely on a single acquirer, the party that processes your card transactions. If that one goes down or refuses your sector, your payments stop. With us, every transaction runs across multiple licensed acquirers. If one declines or falters, another takes over instantly. That is what we call multi-acquiring. For smartshops and CBD sellers, this means a hesitant party cannot shut you down, because your transactions are spread across multiple acquirers.
Read how multi-acquiring worksWhere are you now?
Also for
Physical smartshops and CBD shops. Do you also run a coffeeshop? Then take a look at that page too.
Secure and compliant.
We work exclusively with regulated, licensed European acquiring partners. Your payments run over certified infrastructure, with PCI DSS for handling card data, 3-D Secure and SCA under PSD2 for strong customer authentication, and careful AML and KYC checks at onboarding. That keeps your acceptance not only stable, but demonstrably in order.
Live in three steps.
Book a video call
In a short video call of around 15 minutes we go through your situation, your volume and a start date. No strings, and no visit needed.
Send your documents
You get a clear checklist and an upload link. We think along and keep it simple.
Go live and get paid
After approval we set everything live. Ready to get paid.
Worry-free payments at a sharp rate.
Sharp, competitive rates on transparent IC++, with no surprises, and the certainty of multiple acquirers behind the scenes. What it means for your sector depends on your volume and your profile.
Frequently asked questions
Which payment provider accepts a CBD shop?
LunaPay arranges card acceptance for CBD shops and smartshops at the counter, with multiple acquirers as a backstop.
Why do banks refuse CBD?
Usually because of regulations and product claims, not because of your business. We work with partners who accept the sector.
Can I take card payments in store for CBD?
Yes, with terminals connected to your till and a single dedicated point of contact.
What if I have been terminated elsewhere?
We take over your acceptance and set it up on a stable footing.
High-risk? No-problem.
Request your personal proposal and find out what we can arrange for smartshops and CBD shops.