Rates & FeesHigh-Risk Merchant Account Fees: What's Normal vs. Gouging
Learn which high-risk merchant account fees are normal, how rolling reserves work, and the red flags that signal overpricing before you sign a contract.
MannyPay Editorial TeamHigh-Risk & Regulated
CBD & Delta 8 Payment Guides
Payment processing guides for cbd & delta 8: costs, hardware, fraud, compliance and growth, from the MannyPay editorial team.
Rates & Fees
IndustriesHemp THC Excise Taxes by State: Setting up Your Register Right
Learn how a hemp THC excise tax stacks with sales tax and how to set up your POS and online checkout to collect, show, and report it correctly.
MannyPay Editorial Team
IndustriesBest POS for CBD and Delta 8 Shops: Age Checks, Potency, Taxes
Choosing a CBD store POS system? Use this checklist for ID scanning, batch and COA tracking, hemp taxes, and terminals that work with high-risk processors.
MannyPay Editorial Team
ComparisonsHigh-Risk vs. Low-Risk Merchant Accounts Explained
Compare a high-risk vs. low-risk merchant account: what underwriters review, how fees, reserves and contracts differ, and how to qualify for better terms.
MannyPay Editorial Team
IndustriesCBD Subscriptions and Autoship: Billing Without Getting Shut Down
Learn how CBD subscription billing works without account terminations: clear consent, reminder emails, easy cancellation and no trial-offer traps.
MannyPay Editorial Team
High-RiskBest High-Risk Merchant Account Providers: How to Vet Them
Comparing high-risk merchant account providers? Learn how to vet acquiring banks, reserves, pricing and termination history before you sign.
MannyPay Editorial Team
IndustriesAge Verification for Delta 8 Online: Checkout Tools That Pass Review
Compare pop-up age gates with ID-based delta 8 age verification online, and learn which checkout tools hold up with processors, states and carriers.
MannyPay Editorial Team
High-RiskWhat Is a High-Risk Merchant Account? How It Works and Who Needs One
Learn what a high-risk merchant account is, why processors assign one, and how rates, reserves and terms differ, so you know what to expect before applying.
MannyPay Editorial Team
IndustriesCBD Website Claims That Get Merchant Accounts Shut Down
Learn the CBD website compliance mistakes underwriters flag, from disease claims to reviews, and how to rewrite pages to hold up under processor review.
MannyPay Editorial Team
IndustriesCBD Certificates of Analysis: The Lab Docs Processors Demand
Learn the CBD certificate of analysis requirements underwriters check, from batch matching to total THC math, so your files are ready for review.
MannyPay Editorial Team
IndustriesWhere Can You Ship Delta 8? Blocking Banned States at Checkout
Delta 8 shipping restrictions by state explained: how to block banned states at checkout with shipping rules, address checks and product-level controls.
MannyPay Editorial Team
IndustriesThe Federal Hemp THC Ban: What It Means for Your Merchant Account
The federal hemp THC ban puts Delta 8 and THCA merchant accounts at risk. Learn how to audit products, work with your processor and plan inventory.
MannyPay Editorial Team
High-RiskStripe Closed My Account: Why It Happens and What to Do Next
Stripe closed my account: what now? Learn why aggregators shut accounts, what happens to held funds and how to move to a dedicated merchant account.
MannyPay Editorial Team
IndustriesSelling CBD on Shopify: Which Payment Gateways Actually Work
Planning to sell CBD on Shopify? Learn the platform's hemp rules, how third-party gateways and extra fees work, and what underwriters check first.
MannyPay Editorial Team
IndustriesProcessor Dropped Your CBD Store? Getting Held Funds Back
CBD merchant account terminated? Learn how to request held funds, check MATCH list exposure, keep taking payments and prepare a stronger application.
MannyPay Editorial Team
IndustriesCBD Credit Card Processing Fees: Rates, Reserves, and Hidden Costs
Understand CBD credit card processing fees: high-risk rates, rolling reserves, MCC coding and hidden costs, plus how to compare and negotiate a quote.
MannyPay Editorial Team
IndustriesCBD Chargebacks: Winning 'Didn't Work' and Unrecognized Charges
Learn why CBD chargebacks happen, which evidence wins 'didn't work,' unrecognized and lost-package disputes, and how to protect your merchant account.
MannyPay Editorial Team
High-RiskWhat Is a Rolling Reserve? How Merchant Reserves Work and How to Lower Them
Learn how a rolling reserve works, how it compares with upfront and capped reserves, and practical steps high-risk merchants can take to reduce reserves.
MannyPay Editorial Team