Back to Home

Square CBD Early Access Program FAQs

This article is intended for those Square Sellers who are currently accepted into or applying for our early access program, to support the sale of some hemp derived CBD products.

If you are not currently in our early access program, you can submit an application for review and our team will contact you directly with next steps.

Signing Up for the Early Access Program

How can I join the early access program?

If you are not currently in our early access program, you can submit an application for review and our team will contact you directly with next steps. All current and future Square customers must apply for the CBD Early Access Program to be approved to sell CBD.

If you have an existing Square account, you need to apply for our early access program to sell CBD products using your Square account.

How quickly will I get approved?

Once you complete an application and are accepted into the early access program, your account will be subject to review. If approved, you can begin processing payments after the review is completed.

Our team is working quickly to review all applications. Due to overwhelming interest in our program, you may see a slight delay in the review process. Our team will reach out to you directly when your application is in review.

During our review, we may ask for additional information and documentation. To ensure that your application is processed quickly, please provide the requested information promptly to expedite your review process.

How will you contact me for more information?

All verification emails or requests for information will be sent to the email address associated with your Square Account.

I have a friend who also sells CBD, can they also join the Early Access Program?

Anyone is able to apply to our early access program and our team will contact you directly with the next steps.

What’s my guarantee that I can continue to process CBD sales on Square? Can I get it in writing?

Square aims to maintain healthful and long term relationships with all merchants, including our CBD merchants. However, we cannot guarantee any given merchant’s ability to use Square. Our ability to continue offering our services is dependant on our relationships with our bank partners and applicable laws . We recommend merchants familiarize themselves with Square’s Payment Terms, to ensure they are not selling prohibited products and services, and promptly and fully respond to any requests for information sent by Square.

Transactions and Fees

What will my fees be?

Our early access fees are slightly different than our traditional processing fees.

Payments processed while participating in the early access program will have the following costs:

  • In person contactless payments, swiped or inserted chip cards, and swiped magstripe have a 3.90%+10¢ fee.
  • Online and Square API transactions have a 4.20% +30¢ fee.
  • Keyed In, Card on File, Virtual Terminal Transactions have a 4.80% + 10¢ fee.

Will I have limits or reserves on my account?

All sellers in our early access program will have their accounts reviewed for eligibility for our program. As a result of that review process, you may have a payment limit or rolling reserve applied to your account in order to continue processing with Square. Our team will reach out to the email address associated with your Square Account if a limit of reserve has been applied to your account and you will also have the opportunity to request a re-review, if dissatisfied with your terms.

What bank do you work with?

Square works with multiple federally regulated and licensed acquiring banks.

What can I sell?

What CBD products am I allowed to sell?

Square currently allows sellers in the early access program to accept payments for hemp and hemp-derived CBD products that have less than 0.3% THC in certain states in the United States. These products must be produced and sold in compliance with applicable law, including but not limited to the Farm Bill, 2018 and relevant state laws.

What products am I not allowed to sell?

Square does not allow sellers in the early access program to sell marijuana or marijuana derived products; products that contain more than 0.3% THC, illegal drugs and products that otherwise violate Square’s Payment Terms.

Can I sell hemp flowers?

Square is still evolving our CBD policy, and at this time hemp flower is permitted only if lab certification confirming the THC level and ingredients is provided. Please note that marijuana sales are also not supported, and Square has no plans at this time to support such sales.

Can I sell CBD vapes online?

Square does not currently generally restrict the CNP sale of CBD-only vapes. However, please be aware that we cannot support the sale of CNP age-restricted products (please see Section 3 of the Payment Terms.) This includes e-cigarettes. Additionally, if there are local rules around selling CBD-only vaping products in your business’s jurisdiction those must be complied with.

If I’m not a CBD business, and carry just a few CBD products, why can’t I operate normally in the non-supported states?

As Square’s program continues to evolve, we may continue to refine our definition of a CBD seller. However, for the time being, we cannot support even a few CBD items, amongst many non-CBD items, in non-supported states.

Medical Claims

What is Square’s Stance on medical claims associated with CBD?

Our program is industry leading and that also means we must be extra diligent about ensuring we have a robust Early Access Program framework. Medical claims are something that are particularly important for CBD products, and so we have strict standards associated with such claims and CBD products. But more than that, we want our financial system to be fair and square to everyone, and that includes the buyers.

What can I say or not say about my CBD products?

While we can’t provide legal advice or a list of terms or phrases that are allowed or not allowed, our review process is built on FDA and other relevant guidelines. We don’t allow any claims that your CBD products may be used to cure, treat, or aid conditions such as anxiety, inflammation, depression, PTSD, ADHD, Cancer, or any other health conditions.

Where can I find more information about CBD regulations?

The FDA, among others, has helpful guidance around CBD. You can learn more on the FDA’s website. However, you should consult with your attorney and CBD experts to ensure your CBD products and practices are compliant.

What happens if Square identifies a problem with my CBD products?

If we find an issue with one of your product(s), we’ll ask you to address the issue or remove the item(s)e may suspend your account during this review. If you do not remedy the issue(s), your account will be deactivated.

If we observe continued violations of our CBD policies, the account will be subject to deactivation and future exclusion from the CBD Early Access Program.

Additional Resources

Learn more about the CBD Early Access Program in our Seller Community.

Still need help? Learn from our Seller Community

Visit the Seller Community