Kratom is Often Prohibited
Many processors list kratom as a restricted product, so accounts close quickly once it is identified.
Kratom Payments that Stay Switched on.
For kratom vendors, kava and kratom bars and online kratom stores that need card processing from a team that knows kratom underwriting.
Payment approved$75.00 · Visa •••• 4821
Underwriting built for kratomKratom
- 100+ industries servedLow-risk, high-risk, online and in-store
- Multiple banking partnersMore than one path to approval
- One dedicated specialistFrom application through launch
- Fraud and chargeback toolsBuilt into every account
Kratom Payments Come with Their Own Rules.
Most processors see the category and say no, or approve you and shut you down later. Here is what an account built for your business has to handle.
Some States and Cities Ban it
Kratom is banned in some states and localities, and others set age limits, so where you sell matters.
Product Testing Gets Reviewed
Underwriters look for lab testing and accurate labels, especially in states with kratom consumer protection acts.
Health Claims Raise Red Flags
Claims about treating conditions on your site draw scrutiny from card brands and regulators.
Built for Every Kind of Kratom Business.
From first-year operators to multi-location brands, we match each business to processing that fits how it actually runs.
Kratom Powder and Capsule Vendors
Online Kratom Stores
Kava and Kratom Bars
Smoke Shops Carrying Kratom
Kratom Wholesalers and Importers
Botanical and Herbal Shops
Convenience Stores with Kratom
Private-Label Kratom Brands
Not Listed?
Check my eligibilityEverything You Need to Accept, Protect and Run Payments.
One merchant account, configured for kratom businesses, with these tools ready from day one.
Accept
Gateway for Kratom E-Commerce
Connect your online kratom store to a gateway that supports botanical product sales.
Bar Tabs and Counter Sales
POS for kava and kratom bars with open tabs, tips and quick checkout at the counter.
Protect
Ship-To Blocks for Banned Areas
Stop checkout to states and cities where kratom is not allowed, so you avoid orders you cannot fill.
Age Checks where Required
Add age verification at checkout in states that set a minimum age for kratom.
Operate
Auto-Ship for Regular Buyers
Recurring orders on a set schedule with clear cancel terms that help prevent disputes.
A Specialist who Knows Kratom
One contact who reviews your lab results and site copy with you before underwriting does.
Kratom Account Closed Again?
Tell us how you sell. We will show you a setup built for kratom and changing state rules.
From First Call to First Payment.
Tell Us How You Sell
Tell us your products, sales channels, testing and the states you sell or ship to.
We Structure the Account
We review your labels, lab results and site, then structure an account for kratom.
Approval and Setup
Submit your documents and get your gateway or POS live. Approval decisions move faster with a complete file.
Ongoing Support
Your specialist helps you adjust as state kratom laws change.
Merchant Feedback
What Kratom Merchants Say about MannyPay.
Google reviews ★★★★★
★★★★★
“As a kratom vendor I'd been dropped by two processors before I found MannyPay. They actually understood the product, got me approved fast, and my payments haven't been frozen since.”
Frequently Asked Questions
Still have a Question?
A MannyPay specialist can walk you through it, with no obligation.
Is a kratom business considered high-risk for payment processing?
Yes. Kratom sits in a shifting regulatory landscape and is banned in a handful of states, so most banks and mainstream aggregators (Stripe, Square, PayPal) decline or freeze kratom accounts. MannyPay places kratom merchants with acquiring banks that knowingly support the vertical, so your account won't be shut down after your first few sales.
Can I sell kratom both online and in my retail store?
Yes. We set up card-present terminals or a POS for smoke shops and retail counters, plus a compliant online gateway or virtual terminal for your website and phone orders — all under one merchant account with consolidated reporting.
What do I need to get approved for a kratom merchant account?
Typically a valid business license, EIN, a compliant website with 21+ age verification and clear product disclaimers, lab reports/COAs for your products, and three months of processing or bank statements if you have them. You'll also confirm you don't ship to states or counties where kratom is prohibited.
How does MannyPay handle age verification and state restrictions?
We help configure checkout with age gates and shipping rules that block orders to banned states (such as Alabama, Arkansas, Indiana, Rhode Island, Vermont and Wisconsin) and restricted counties, keeping your processing compliant and reducing the risk of account holds.
What are the rates, and how long does approval take?
High-risk kratom accounts carry higher rates than standard retail because of the underwriting risk, but we shop multiple specialized banks to get you competitive pricing. Most complete applications are approved within 2–5 business days.
Let’s Find the Right Kratom Setup.
Tell us a little about your business and a MannyPay specialist will recommend the right account, hardware, gateway and pricing. No obligation, no pressure.
- Call us1-844-MANNYPAY
- Merchant support7 days a week
- Write to ussales@mannypay.io
IndustriesKratom Autoship: Recurring Billing Without Getting Shut Down
IndustriesKava and Kratom Bar POS: Tabs, Shells, and Card Readers
IndustriesOnline Kratom Age Verification: What Processors Look For