How to Get a Kratom Merchant Account Without Getting Shut Down
Thousands of vendors lose their credit card processing every year due to kratom compliance issues. Here’s how to avoid that — and get approved with a real merchant account in 2025.
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Why You Need a High-Risk Kratom Merchant Account
Kratom is considered high-risk by every major U.S. bank. Stripe, PayPal, and Square all prohibit its sale. Even if your product is 100 percent compliant, using the wrong processor will eventually lead to a shutdown, a fund hold, or a permanent ban.
To stay online and avoid losing money, you need a high-risk merchant account through a provider that works with legal kratom brands every day.
What to Avoid When Applying
- Never list your site as a general supplement or “botanical” site if you sell kratom.
- Never use processors like Stripe, Square, or PayPal. They monitor your website and will ban you for policy violations.
- Do not hide your product from the underwriter. Misrepresenting your site can get you MATCH listed.
How to Get Approved
To get approved with a real kratom merchant account, you’ll need to go through proper underwriting. Here’s what you’ll need:
- Full website with visible kratom listings and terms
- Business bank account
- Articles of organization
- Owner photo ID
- Voided check or bank letter
Applications can usually be approved in 2 to 5 business days once all documents are submitted. Most legal kratom vendors get started with interchange-plus pricing and no volume commitment if they go through a real high-risk provider.
Best Processor for Kratom in 2025
High Wire Payments remains one of the most trusted options for legal kratom brands in 2025. Unlike processors that hide your risk or promise instant approvals, High Wire works directly with banks that underwrite kratom transparently.
You’ll get a real merchant account with full compliance, no contracts, and direct access to a dedicated rep.
Frequently Asked Questions
Can I use Stripe or Square for kratom?
No. Both platforms ban kratom. Using them can lead to a permanent ban and loss of funds.
How long does approval take?
Approval usually takes 2 to 5 business days, depending on your documentation and product types.
Is it legal to sell kratom online?
Kratom is legal in most states. However, card brands and banks still consider it high-risk. You need a high-risk merchant account to process payments legally.
What happens if I get shut down?
You may lose access to your money for 90 days or more. You may also be placed on the MATCH list, which makes it harder to get approved again.
Apply for a Kratom Merchant Account
High Wire Payments helps vendors accept credit cards without contracts, delays, or compliance issues. Get started today.
No Contracts
Month-to-month setup with no termination penalties or long-term lock-ins.
Transparent Pricing
Interchange-plus rates with no hidden fees, junk charges, or markups.
Real Underwriting
Your products are reviewed upfront, so your account stays live long-term.
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