Kratom is legal in many states but lacks consistent federal regulation. This inconsistency causes hesitation among banks and processors who prefer industries with clear national guidelines. Even in areas where kratom is entirely legal, the lack of unified standards creates a level of uncertainty that puts your business under closer review. As a result, securing processing services becomes more complicated.
Most payment processors are built to serve businesses in low-risk industries. They follow internal risk policies that automatically reject applications from kratom vendors, regardless of your compliance or business model. These systems are not designed to handle the risks associated with evolving markets.
Even if you manage to get approved, ongoing problems with mainstream providers are common. These might include delayed deposits, unexpected account freezes, and stricter monitoring of your transactions. This kind of instability can hurt your operations and customer trust, making it harder for you to run your business smoothly.
We provide kratom merchants with secure tools to accept payments confidently. Our processing solutions include the following options:
Our merchant accounts are designed specifically for kratom businesses, offering the structure and support traditional providers often lack. You will receive fraud detection tools, chargeback support, and personalized onboarding. With our direct banking relationships, you can expect long-term account stability that keeps your transactions flowing and your operations protected.
Accepting credit cards helps your business grow by giving your customers more ways to pay. We enable you to accept major credit cards securely, whether you sell online, in-store, or both. All transactions are processed through a system designed to meet industry regulations and reduce risk. This lets you serve your customers faster and with more confidence.
ACH transfers and eCheck payment options are essential for businesses that want to offer flexibility and lower processing costs. These methods are ideal for recurring payments or high-ticket sales and can improve cash flow reliability. We handle the setup, screening, and dispute management, giving you a smooth and secure way to process bank transfers without the complications you would face with standard providers.
If your kratom business includes a retail location, we can provide point-of-sale systems tailored to your needs. These systems include inventory tracking, compliance features, and customer management tools that simplify your day-to-day operations. Our POS hardware is easy to use and comes with full technical support to keep your store running without interruptions.
Online kratom sellers need a payment gateway that can handle secure and fast transactions. We offer integration with leading e-commerce platforms and custom websites. Our team works with you during setup to achieve compliance and functionality. Your customers get a seamless checkout experience while you gain control over your payment data in real time.
Getting started with LeisurePay is fast and straightforward. We guide you through each step.
You can start by submitting a quick application through our secure platform. This includes information about your business type, processing history, and expected transaction volume. The application helps us understand how we can support your goals and identify the best services for your operations.
After your application is received, we will request documents to verify your business and compliance. This includes your business license, processing history, and banking information. We use secure, efficient channels to verify your information, so your data stays safe from start to finish.
Our underwriting team evaluates your application and documentation to determine eligibility. We review your compliance with local and federal regulations and assess your business model to identify the right fit.
Once you are approved, our team will help you complete the final setup. If you are installing a POS system or enabling ACH payments, we walk you through everything step by step. You will be able to accept payments with ease and see all transactions in real time through your account dashboard.
Our team of high-risk merchant account and payment processing providers focuses on more than just providing a service. We build reliable systems and partnerships that support your business every day.
Transparency is essential in any merchant relationship. That is why we fully disclose our terms before you begin. You will never find surprise charges or unexplained deductions in your statements.
Our streamlined process allows us to approve most kratom merchant accounts within two business days. Once your documents are submitted, our team moves quickly to ensure you get up and running without unnecessary delays.
You should never feel alone when dealing with a payment issue. Our support team is US-based and available to help you resolve disputes, troubleshoot problems, and answer account-related questions.
When you work with us, you are assigned a dedicated payment expert who knows your account and understands your industry. This person becomes your point of contact for all things related to setup, compliance, or updates.
We stay updated on changing rules and regulations, so you do not have to worry about compliance on your own. We provide strategic support that keeps you compliant and prepared.
Kratom businesses, similar to cannabis and cryptocurrency, face unique challenges in the world of payment processing, but you do not have to face them alone. We offer real solutions that help you process payments securely, protect your business from disruptions, and keep your operations compliant with industry standards. Our team is here to support you from application to approval and beyond. If you are ready to stabilize your payment systems and work with a provider who understands your business, start your application today. Let us help you take control of your payments with a system you can trust. Contact us today!
Kratom businesses are considered high-risk due to regulatory uncertainty, frequent chargebacks, and product scrutiny by banks and card networks. Even though kratom is legal in many states, its classification as a controversial supplement makes payment processors hesitant.
Kratom is legal in most US states, but it is banned in a few, including Alabama, Arkansas, Indiana, Rhode Island, Vermont, and Wisconsin. Some states, like California and Florida, allow kratom but have restrictions in certain cities or counties. Always check your local laws, as legislation around kratom is frequently changing.
No, major platforms like Stripe, PayPal, and Square do not allow kratom sales under their acceptable use policies. Using them for kratom transactions can lead to frozen funds or terminated accounts. You will need a specialized high-risk merchant account that explicitly supports kratom businesses.
To apply for a kratom merchant account, you will need a government-issued ID, a voided business check or bank letter, a completed application form, and your business’s EIN. You may also need a functional website with terms and conditions, privacy policy, and a refund policy clearly stated.
Yes, processing fees for kratom businesses are typically higher than standard accounts due to the increased risk. You can expect to pay higher transaction rates, monthly fees, and sometimes a rolling reserve. However, these fees ensure greater account stability and access to reliable payment solutions.
Approval time for a kratom merchant account can vary, but most high-risk merchant accounts are approved within 3 to 7 business days. The process may take longer if additional documentation is needed or if our underwriting teams require more detailed information about your business.
