Your product category
Distinguish the products you sell, including whether they are CBD, THC-containing products or accessories.
FOR CANNABIS MERCHANTS
Independent by design.
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Payment conversations that start with your actual business.
Make your product category, business location and customer markets clear from the start. Ask providers to state exactly what they can support.
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THE CANNABIS GUIDEKnow what to ask.
Know what to ask.
See what you’re getting.
Begin with the product and the market. A proposal should explain the specific activity it supports, how your customers can pay and which company will provide the service.
Where the offer applies
Ask the provider to name the business locations and customer markets its offer covers, and any documents it requests.
How customers can pay
Confirm the payment methods actually offered, along with settlement, reserve and implementation terms.
Describe the business behind the category.
“Cannabis” can describe very different businesses. Use your request to spell out what you sell and how you sell it. Give providers enough detail to answer for your operation, instead of relying on a broad claim that they serve the sector.
- Distinguish CBD products, THC-containing products, accessories and other product lines in your request.
- Explain whether sales happen online, in a physical location or through both channels.
- State the company registration country, operating locations and customer markets separately.
Ask exactly what is being offered.
Before comparing prices, confirm the payment methods and customer experience included in each proposal. A provider should explain the service it is offering in plain language, including any limits. Do not assume that a category listing means a particular card or payment method is available.
- Ask which payment methods are supported for your stated products and locations.
- Clarify any products, delivery areas or sales channels that are excluded.
- Ask for the identity of the contracting company and any other party involved in approval or settlement.
Make the commercial comparison complete.
Prepare a common processing-volume estimate for every provider. Compare the charges and held funds against that same estimate, and ask for the conditions behind any attractive headline price. Keep uncertainty visible until the provider supplies a specific answer.
- Separate processing percentage, fixed transaction charge, other fees and payout-transfer costs.
- Confirm the reserve hold and release terms, settlement delay and actual payout days.
- Ask about volume limits, currencies, refunds, chargebacks and what happens if the account is interrupted.
Prepare the application and connection.
Ask the provider which company, ownership, product and operating documents it needs for your particular business. Keep the request specific to the application. Website or in-store requirements should be written down before work starts, with a clear owner for each action.
- Have the provider list the documents it requires, including any licence or product information it asks to review.
- Confirm your store or point-of-sale connection, gateway and any implementation cost.
- Agree the steps for document review, business or website review, approval, testing and setup support.
The federal hemp definition is changing.
Hemp and marijuana are treated differently under US federal law, and the line between them moves in late 2026. Ask each provider how its offer handles the change, and keep its written answer with the proposal.
- Federal law currently defines hemp as Cannabis sativa L. and its derivatives with a delta-9 THC concentration of not more than 0.3 percent on a dry-weight basis (7 U.S.C. §1639o, text in force on 10 October 2026).
- A law enacted on 12 November 2025 (Public Law 119-37, Division B, §781) replaces that test with a total-THC standard that counts THCA.
- Under the new definition, final hemp-derived cannabinoid products with more than 0.4 milligrams of combined total THC per container fall outside hemp.
- According to the Congressional Research Service (28 September 2026), a later law (Public Law 119-103) delays most of the new definition to 11 December 2026; some provisions, including the exclusion of certain synthetic cannabinoids, still take effect on 12 November 2026.
- Bills that would delay or repeal the change have been introduced. Check the dates again before you rely on them.
Questions before you start.
Does a Cannabis profile mean all products are supported?
No. Treat the listing as a way to start a conversation. The provider needs to identify the products, methods, locations and conditions covered by its offer.
Should I disclose different product categories separately?
Yes. Clear descriptions help you obtain a specific answer. Ask whether different product lines need separate terms or arrangements.
Can I use the same request for online and in-store sales?
Describe both channels and the expected processing for each. Ask providers to state whether their proposal covers both and whether the implementation or pricing differs.
Who confirms approval?
The provider and any approval partners it identifies handle their own decisions. Zolution organizes the comparison and application; it does not certify acceptance.
CLARITY AT EVERY STEPYou should know
You should know
who you’re dealing with.
Merchant
Provider
ProviderKnow the company
Identity, experience and who your contract is with.
See the terms
Fees, reserve holds and payout timing, clearly separated.
Follow the application
Documents, website, decision and setup, with the next step and who acts on it.
FIND YOUR SIDE OF ZOLUTIONTwo sides.
Two sides.
One clearer process.
MERCHANT
I need payment services.
Find your payment provider.
Compare offers. Understand the terms. Choose your next step.
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I provide payment services.
Grow your merchant business.
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