Payment solution for smartshops and CBD shops
LunaPay arranges card acceptance for smartshops and CBD shops at the counter. Where banks are hesitant with this line of business, we do set up your payments, with multiple licensed acquirers so your acceptance stays stable. If you sell legal CBD products within the applicable norm, we make sure your customer can simply pay by card in the shop.
Why smartshop and CBD are treated as high-risk
Smartshops and CBD shops sell legal products, but banks and providers treat the sector as high-risk. That comes down to the regulations around the products, the claims made about them, and the uncertainty over the THC limit within which CBD may be sold. As a result, applications get rejected or accounts are terminated over time. We know this sensitivity and set up your acceptance compliantly, with partners who accept the sector.
Card terminal, POS integration and stability: what we arrange
Your products are legal and your customers are simply customers. Time for payments that see it that way too. We build a counter solution that stands firm, even when the rules around the sector shift.
Payment terminals that just work
A countertop terminal at the counter, with mobile terminals added if your store calls for them. Contactless, chip and PIN, and phone payments, all as standard. Your customer pays the way they pay everywhere, and that is exactly the point.
POS integration in a couple of hours
Through LunaPay Bridge your till talks directly to the terminal: the amount appears automatically, the payment status comes straight back. No typing errors, no till discrepancies at closing. And where such an integration used to be a whole project, with Bridge it is live in a couple of hours.
Multiple licensed acquirers
In a sector where bank and provider policies can shift, you do not want to be tied to one party. LunaPay works with multiple licensed European acquirers. We decide together whether a second one stands ready as a backup from the start, and if an acquirer stops serving your sector, we move you to another licensed partner.
Set up compliantly, without the hassle
We know the sector’s sensitivity, so we set things up properly from day one. Be transparent about your product range at the intake, keep your product information factual and free of medical claims, and we handle the rest: partners that accept the sector and an onboarding with a clear checklist. That way your acceptance is not just arranged, but prepared for the next policy shift.
Settlement, insight and one fixed contact
Your revenue is settled to your business account, depending on your package. In the LunaPay Insights dashboard you follow your revenue, your busy hours and how your customers pay, live. And you have one fixed contact person who knows the sector.
Curious what this means for your store? Calculate your rate estimate or request your personal proposal.
Also for
Physical smartshops and CBD shops. Do you also run a coffeeshop? Then take a look at that page too.
Your payments keep running.
Most providers rely on a single acquirer, the party that processes your card transactions. If that one goes down or refuses your sector, your payments stop. LunaPay works with multiple licensed European acquirers. For each sector we decide together whether a second acquirer stands ready as a backup from the start, and if an acquirer stops serving your sector, we move you to another licensed partner. That is what we call multi-acquiring. For smartshops and CBD sellers, this means the policy of one hesitant party does not have the last word: if it stops serving your sector, we move you to another licensed partner.
Read how multi-acquiring worksWhere are you now?
Secure and compliant.
We work exclusively with regulated, licensed European acquiring partners. Your payments run over certified infrastructure, with PCI DSS for handling card data, 3-D Secure and SCA under PSD2 for strong customer authentication, and careful AML and KYC checks at onboarding. That keeps your acceptance not only stable, but demonstrably in order.
Read how we handle safety and continuityLive in three steps.
Call us or get a call back
In a short phone call we go through your situation, your volume and a start date. No strings, and no visit needed.
Send your documents
You get a clear checklist and an upload link. We think along and keep it simple.
Go live and get paid
After approval we set everything live. Ready to get paid.
Worry-free payments at a sharp rate.
Sharp, competitive rates on transparent IC++, with no surprises, and multiple licensed acquirers behind the scenes. What it means for your sector depends on your volume and your profile.
Frequently asked questions about card payments in your smartshop or CBD store
Which payment provider accepts a CBD store or smartshop?
LunaPay arranges card acceptance at the counter for smartshops and CBD stores, through licensed European acquirers that accept the sector.
Can I take card payments in my smartshop or CBD store?
Yes. If you sell legal products within the applicable limit, we make sure your customer can simply pay by card in your store, contactless, chip and PIN, or by phone.
Why do banks refuse CBD and smartshops?
Because of the regulation around the products, the claims made about them and the uncertainty over the THC limit, not because of your business. We work with partners that do accept the sector.
Can I link my till to the card terminal?
Yes, through LunaPay Bridge we connect terminal and till, so the amount transfers automatically and your books add up. The integration is live in a couple of hours.
What if I have been rejected or terminated elsewhere?
Call us or get a call back. We sign you up with a licensed acquirer that accepts your sector and take care of the registration. Whether a second one joins as a backup from the start, we decide together.
When do I get settled?
Your revenue is settled to your business account, depending on your package. We discuss upfront what fits your store.
High-risk? No-problem.
Request your personal proposal and find out what we can arrange for smartshops and CBD shops.