Payment processing for licensed medical cannabis merchants.

Built for the EU market. Multi-acquirer routing, GDPR-compliant infrastructure, and underwriters who understand licensing and lab certificates.

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Cards, wallets, and local methods including SEPA and iDEAL, through one checkout.

Why medical cannabis payments are high-risk

Medical cannabis sits on shifting legal ground, and payment providers price that uncertainty into every decision. The rules differ by country. Medical cannabis is legal with a prescription across much of Europe, and Germany extended legalisation to adult use in April 2024. What is compliant to sell and ship in one market may not be in the next.

On top of the regulation, many acquiring banks still associate anything cannabis-derived with recreational marijuana, so they decline on category alone. Mainstream processors including Stripe, PayPal, and Square prohibit most cannabis products outright. Merchants that do get approved often find the acquirer changes its policy months later and cuts them off with little notice, freezing funds and taking the storefront offline overnight.

Add elevated chargeback rates, mandatory age verification, and the scrutiny that comes with any health claim, and a single-provider setup becomes a real business risk rather than a convenience.

What SecPaid does differently

EU-first provider redundancy with underwriters and acquirers that actually work in this category.

An EU-first setupSecPaid is registered in Munich, hosts data on certified German infrastructure, and applies GDPR by default. The acquirers in the network have genuine appetite for licensed EU cannabis.

Routing that survives policy changesYour volume runs across more than one acquirer. If one exits the category, traffic reroutes automatically rather than stopping.

Underwriters who read the paperworkLicensing and certificates of analysis are assessed properly instead of triggering an automatic decline.

A dedicated account managerDispute responses, evidence, and dispute-ratio monitoring against card network thresholds are handled for you.

The methods EU customers expectCards, SEPA, iDEAL, and EPS where the product and market permit it. Licensed, compliant merchants are usually approved within 24 hours.

Frequently asked questions

Does SecPaid process payments for recreational cannabis?

The focus is licensed medical cannabis. Adult-use depends on the jurisdiction and the acquirer, and your account manager confirms what is possible for your markets.

What documentation does a cannabis merchant need?

Business and product licensing, certificates of analysis for your SKUs, and evidence of compliance with local medical rules.

Which countries can I sell into?

The acquirer network is EU-focused. You confirm your specific markets during onboarding.

Can a merchant that was dropped by another processor apply?

Yes. Prior termination is normal in this category and is not disqualifying.

Is a rolling reserve required for cannabis merchant accounts?

Often. The reserve is set by the acquirer based on risk, volume, and history, not by SecPaid.

Do you support age verification at checkout?

Yes. Age verification is integrated at checkout where the product or market requires it.

Ready to get approved?

Apply in minutes and get matched with underwriters who already know cannabis risk in the EU. Licensed merchants are usually live within 24 hours.