High-risk & regulated
Pine Payments considers kratom businesses for card-processing options, including online sellers and retail businesses, subject to product and business-model review. We start with your actual catalog, customers, selling locations and fulfillment—not a generic supplement description.
A new business or a prior decline can be part of the review. Tell us your current stage, any processing history and what products you actually sell. Neither a category label nor an initial inquiry guarantees account acceptance.
Prepare a complete catalog with product names, ingredients, labels, supplier information and available testing records. Identify powders, capsules, extracts and other product types separately rather than assuming one decision covers them all.
If your catalog includes 7-OH or other concentrated or modified products, disclose them specifically. Consideration of a kratom business is not confirmation that those products are supported. The exact catalog must be reviewed, and legal and processor restrictions can differ by product and destination.
Explain whether you sell online, in person or both, where orders are delivered, how applicable age and location restrictions are handled, and who fulfills the orders. Ask a qualified adviser about your actual legal obligations; payment review is not legal clearance.
Publish clear shipping, refund, contact and cancellation information that matches how the business actually operates. Keep product descriptions and marketing accurate and avoid unsupported health or treatment claims.
Make the order amount, business identity and support route clear to customers. Keep supplier, order, shipping, refund and dispute records organized. Clear records support a review and customer service; they do not eliminate chargebacks or guarantee the account will remain open.
Before signing, review processing charges, recurring and gateway fees, refund and dispute charges, any setup costs and exit terms. Consider reserve withholding separately from fees, including its release conditions and effect on available cash.
Learn how rolling reserves work, or estimate the cash impact with the rolling reserve calculator.
Confirm the accepted products, countries, sales channels, settlement currency, payout conditions and volume limits in writing. If you are replacing processing, share the original notice and any outstanding obligations; a new account cannot release the old provider's held balance.
First, send your business URL or launch stage, product summary, sales channels, locations served and approximate monthly sales. If you have processing history, tell us what is available; if you have none, say so.
Next, we explain the information needed to evaluate fit and prepare the application. If an account is approved, the exact gateway or terminal compatibility and offered terms must be confirmed before go-live. Do not buy equipment or assume an existing integration will work before that confirmation.
Request a kratom card-processing fit review. Tell us what you sell and how you sell it, and we will explain what the review needs. Do not include sensitive identity documents, banking information or customer card details in an initial inquiry.
request a kratom card-processing fit reviewPine considers kratom businesses, subject to review of the actual products, customers, locations, website and operations. Consideration is not approval, and not every product or jurisdiction is supported.
No. Disclose every product, including concentrated or modified products, for specific review. Do not infer approval for one ingredient or formulation from consideration of the broader kratom category.
Tell us about both channels and any locations or websites involved. Availability and technical setup depend on underwriting; one channel's acceptance is not automatic acceptance of another.
Yes. Explain that you are new or pre-launch and provide the product, supplier, website and fulfillment information you have. Label sales projections clearly. No processing history does not mean automatic approval.
Use an accurate business and product description. The reviewer needs to know that kratom is sold and what the complete catalog contains. Hiding products or using another merchant's account is not a substitute for category review.