CBD merchant accounts UK

UK CBD merchant accounts require a specialist high-risk acquirer panel separate from mainstream card acceptance. Mainstream UK acquirers (Dojo, SumUp, Square, Stripe, Worldpay, Barclaycard) classify CBD alongside cannabis-related products and decline or terminate accounts on category, even though CBD is legal in the UK as an FSA-authorised Novel Food. Typical CBD-friendly UK acquirers are Trust Payments, Universe Payments, Acquired.com and specialist CBD-friendly ISOs; expect 2.5% to 4.5% blended rates and a 5% to 10% rolling reserve.

Legal status (UK)

Legal in UK as a Novel Food. Requires authorised product on the FSA list.

Acquirers accepting

  • Trust Payments
  • Universe Payments
  • Acquired.com
  • Specialist CBD-friendly ISOs

Typical pricing

Rate
2.5% to 4.5% blended; some interchange-plus options
Settlement reserve
5% to 10% rolling reserve common

Watch outs

  • FSA Novel Food authorisation must be in place.
  • Product photography and label compliance scrutinised at onboarding.
  • Mainstream acquirers may freeze accounts post-onboarding if category becomes obvious.

Last reviewed: 2026-04-26.