CBD operators

Payment processing built for CBD operators.

CBD has been federally legal since the 2018 Farm Bill. That has never stopped Stripe, Square, or PayPal from holding your funds "pending policy review" every 90 days. multiflow consolidates your hemp-derived CBD portfolio onto one parent account with CBD-approved specialty acquirer routing, per-brand descriptors, and reserve visibility across every sub-brand.

Rate band for this vertical
5.5 – 7.0% per transaction
+ setup fee · interchange passthrough
See your rate
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48 hours Underwriter decision SLA
$30k – $1.5M Monthly volume we fit best
50 states Supported (with per-state SKU rules)

What's costing you money right now

Three pain points
we actually solve.

01 · Pain point

Acquirer policy shifts monthly

Stripe's CBD policy changed twice in the last 18 months. Square changed once. Consolidated underwriting at the parent account means you manage one acquirer relationship instead of five, and policy shifts do not cascade across your entire portfolio.

02 · Pain point

10-20% rolling reserves across 5 brands

Every CBD brand you run gets its own reserve pool. Five brands = five schedules to track. multiflow surfaces reserve status at the parent level: total held, release schedule, per-brand contribution. Finance pulls one report instead of five.

03 · Pain point

State shipping rules + COA-per-SKU audit

18 states ban some CBD form factor and the list changes quarterly. Each sub-brand needs COA-per-SKU + state-level ship rules. multiflow preserves your ecommerce platform's ship-by-state logic and tracks COA freshness per SKU in the ops dashboard.

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12 questions · no hard pull · underwriter reply in 24-48 hours

Four brands, fifty states, and a single dashboard for compliance flags and reserves. multiflow killed our Friday reconciliation shift in one implementation.

Head of finance
CBD operators 5.5 – 7.0% per transaction 4-brand hemp CBD group · $420k/mo

Partners + acquirers we route through

CBD-approved acquirer #1 CBD-approved acquirer #2 Apple Pay Google Pay Plaid ACH Afterpay (select brands)

Before you apply

Answers
to the five things you're wondering.

01 Is the 2018 Farm Bill enough?
Federal legality is necessary but not sufficient. Each acquirer maintains their own CBD policy. multiflow routes through acquirers that have explicitly approved hemp-derived CBD under 0.3% THC. Delta-8 / Delta-9 hemp-derived is a separate acquirer conversation — some approve, most do not.
02 Can I run CBD + supplements on the same parent?
Yes, if the acquirer has approved both. Common portfolio structure: hemp-derived CBD tinctures and gummies, plus broader nutra or sports nutrition, all under one parent with separate descriptors per brand.
03 How does state shipping work?
Rules stay in your ecommerce platform (WooCommerce ship-by-state plugin, Shopify shipping profile, or custom). multiflow does not override — we route the charge after your platform validates the ship-to.
04 What does a rolling reserve look like?
10-20% of processed volume held for 90-180 days, typical for CBD acquirers. multiflow surfaces release dates and running totals per sub-brand so finance can model cash flow without pulling five acquirer dashboards.
05 Do statements say "CBD"?
No — customers see the brand they bought from. "BrandName*help.1-800-X" style. No CBD flag on the statement that would confuse customers.

Stop leaking money
to a processor that wasn't built for you.

Apply once. Route every brand through one parent ledger. Underwriter-reviewed inside 48 hours. No hard pull, no obligation.

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