Kratom credit card Processing

Are You Struggling with Kratom merchant account issues like freezes, holds, or shutdowns? Get the fastest, safest way to process payments with Creditly.

We were one of the first credit card processors to offer stable Kratom accounts and we know the industry inside and out.

As a Kratom business accepting credit cards online, you need a truly reliable merchant account.

Last year, Payment Aggregators, including Stripe, closed down millions of merchant accounts, and the reason will shock you…

Simply put… It’s how their business model works!

They have one merchant account, which they let millions of merchants use. In doing so, they balance the risk between solid ethical business owners with entrepreneurs who would commit fraud, launder money, sell a poor-quality product, or close their doors before a consumer asks for a refund.

This allows companies like Stripe to set you up quickly, but it also allows them to shut you down even quicker.

The problem is that they don’t know anything about you when they set you up. They don’t know who you are, what you sell, or how you sell it.

If they set you up and anything unusual happens, such as a spike in chargebacks, the likelihood of them closing your account is HIGH.

Even worse, if one of your competitors does anything to trigger a flag in their system, they look at the entire industry. And through no fault of your own, a competitor’s misstep could mean a closed account for you.

So, how does Creditly differ? And how do we keep our client’s merchant accounts stable?

The KEY component is thorough underwriting.

Our specialists underwrite your account so that we understand your business and marketing model. This allows us to match you with a back-end bank that works with your vertical.

Which greatly lowers the chance of you ever having an issue.

On top of that, when you sign up with us, you’ll have one dedicated point of contact, access to our fraud protection services, recurring billing, mobile payments, hosted checkout, and integration to over 250 shopping carts.

We’ll also work with you to optimize your payments for the lifetime of your account.

Lowering your decline rates so that you can increase revenue, monitoring your chargeback ratios, and helping to mitigate them, plus much more.

Kratom payment processing and merchant accounts built to help you scale

As a Kratom merchant, you need payment processing that is truly reliable account.

With Creditly you can stop worrying about account holds, reserves, frozen funds, or worse… Total account shutdowns.

We specialize in Kratom merchant accounts and will get you set up with the best account for your needs.

Get high-tech tools like transaction routing, chargeback mitigation, decline recovery, and much more, so you can scale your business faster without issue.

What Other Kratom Merchant Account Features Does Creditly Offer?

Transaction Routing – We’ll automatically route your transactions across multiple accounts. That way if anything ever happens to one, your others are still up and running.

White Glove Service – You’ll have a dedicated point of contact that you can reach any time you need them.

Decline Recovery – We’ll help you improve your approval ratios and reduce decline rates. That way, you put more cash back in your pocket and process more payments.

Chargeback Mitigation – Stop chargebacks before they begin with. our chargeback alert system. Greatly lower account issues and improve customer satisfaction.

Hosted Checkout – Quickly create checkout links and landing pages with a few clicks. Email them, DM them, or text them to your clients for payments on the fly.

Recurring Billing – Built-in recurring billing for subscription purchases with multiple payment options available

Mobile Payments – Process payments on the go with our easy to use mobile payment solution

250+ Integrations – Integration to nearly every shopping cart, plus we integrate to most apps and software. If you need something specific, our in-house development team will make it happen. 

Banking For Nearly Every Vertical – We offer merchant accounts for almost every vertical, including high risk merchants and much more. Get approved today.

Unlimited High Ticket – Worry free processing of high ticket transactions and high volume.

Kratom is a natural supplement derived from the leaves of the Mitragyna Speciosa, an evergreen tree in Southeast Asia. The herb has been in use for centuries as an alternative to opium.

As a result, people are using it in the United States as an herbal alternative to pharmaceutical opioid addiction drugs and to counter panic attacks.

Additionally, Kratom is marketed as a mood-enhancing supplement. In small doses, it increases energy and provides an improved mood. In larger doses, it can have the opposite effect and can be used as a painkiller and sedative.

The FDA has not cleared Kratom, however, Kratom is not illegal.

This leaves distributors in the tough middle ground of high risk merchants. This allows merchants to market Kratom but makes it challenging to accept credit card payments for their products.

Despite these obstacles, Kratom sales have continued to increase each year, and sales are projected to top $22 billion by 2025.


At the moment, most Kratom businesses are still online vendors. However, Kratom is an herbal supplement that can be sold by any supplement business.

Until recently, most merchants that sold Kratom were considered untouchable by credit card processors. As a result, businesses that did sell either hid their sales under false sales reports or conducted their business through offshore accounts.

This necessity has since passed, and nutraceutical merchants can legally sell their products in the United States, albeit as high-risk merchants.

With a growing number of merchants now selling Kratom, there is likewise a rise in the number of legitimate distributors. This legitimate growth will most likely lead to an increase in the quality of the product as large-scale production and distribution companies put their weight behind the product.


Kratom merchants are considered high risk because the supplement is not FDA-approved. This is considered a black mark and makes the future of the supplement uncertain.

Credit card processors try to avoid any product which leads to high levels of chargebacks and has the potential to see a shift in legality without warning.

The high chargeback rate is a result of the historic necessity for Kratom merchants to operate in an online setting. This resulted in the majority of transactions being of the card not present (CNP) variety.


In the past couple of years, nutraceutical businesses have stepped into a more reputable position. No longer are Kratom merchants relegated to the confines of online retail. As production and distribution have increased in quality and capacity, brick-and-mortar stores are finally able to sell the product.

To keep up with this, merchants are no longer required to conduct their transactions through offshore accounts.

The shift from offshore accounts to high risk accounts is a step in the right direction.

Having a reliable merchant account can ensure your business is not interrupted. A traditional merchant account helps make business more convenient for the merchant and the consumer.

In this business shift, it is important to make sure you choose a reputable merchant account provider to help protect you and your business.

The right merchant service can not only protect you but also allows you to focus your energies on the important matter of growing your business.


Creditly offers peace of mind when choosing the right merchant account provider. We have made a name for ourselves, working with high-risk businesses and providing top-end services.

That experience allows us to tailor our offerings to specific industries and help provide real solutions to the problems that often arise.

For high-risk merchants, our first order of business is to connect you with the right merchant account provider. We have years of industry connections and experience to place each business with the provider to best suit their needs.

By utilizing the correct providers, we can guarantee a lower chance of holds, freezes, and shutdowns. This ensures a stable business and allows for merchant growth.

Creditly also offers a single point of attack for your search. Instead of each business sending out multiple applications in the hopes of finding the right provider, we take your application and pair you with the right provider the first time.

What is a merchant account?

A merchant account is a specific type of bank account that allows merchants to accept payments. Typically, a merchant account is used for credit card processing and eCheck processing but can be used for a variety of payment processing needs. To get a merchant account, one must submit an application with a merchant account provider.

These merchant account providers work with acquiring banks, such as Chase and Wells Fargo, to provide merchant accounts to businesses looking to process credit card payments.

There are multiple types of merchant accounts depending on how the bank categorizes the industry of the merchant. If the merchant account is used for card not present (CNP) or ecommerce transactions then it must be integrated with an online payment gateway. Otherwise, a physical terminal is required to capture payment information.

Who does Creditly Work With?

Creditly works with all kinds of merchants, including, what the banks call, “high risk” merchants. These merchants happen to be in an industry that the banks label as high risk which means that they have a higher likelihood of chargebacksdisputes and fraud.

The most common reason for this is card not present transactions which presents a higher risk of fraud. These merchants can have a particularly hard time finding a high risk merchant account because a lot of payment processors refuse to participate in high risk processing. Even if these merchants find a “high risk payment processor” they can still frequently deal with holds or freezes on their money and shut down merchant accounts.

This is where Creditly saves the day by finding them a high risk merchant account provider that wants to work with their business and providing them with all the resources to meet their high risk credit card processing needs.

What does Creditly provide?

Creditly provides merchant accounts specifically tailored to a merchant’s industry. We do this by leveraging our banking relationships to apply for merchant accounts on your behalf.

However, we do not just apply for any merchant account, we use providers who want to work with your business model and underwrite their merchants. This is important because it lays out all the cards on the table and ensures that a provider gets to know who you are and your business model before working with you. That way they know what to expect moving forward.

This strategy guarantees that we find a merchant account provider that wants to work with you, making the likelihood of holds, freezes, and shut downs, much less and providing stable credit card processing.

Another benefit to this are you get to avoid the nightmare that applying for merchant accounts can be. Not only do most merchant account providers do very little underwriting, but it can take many applications before you find a merchant account that is good for you.

Each application that you send out hurts your chances of getting approved for the next because multiple applications make you look desperate to a provider which they perceive as high risk.

After your merchant account is set up…

After we get you set up with your first merchant account, we recommend getting you an additional merchant account if you have over $250,000 in sales volume a year. This is to ensure stable payment processing.

Even though Creditly takes all the precautions to prevent you from experiencing a hold, freeze, or shutdown, we can never know how banks might act in the future. If they hire someone new or implement a new algorithm, your account could have action taken against it. In the event of this, if you have a second merchant account that is already up, and running and processing payments, you can pivot your revenue stream to this account and avoid holds, freezes, and shutdowns altogether.

Now all of this may seem complicated and a lot of work, and it would be if you were doing this on your own. However, if you are working with Creditly, we manage all of this for you making your role in all of this very easy. We even assign you your very own Certified Payment Specialist (CPS), who will monitor your merchant accounts for you, giving you one point of contact for all of your merchant processing needs.

How to get a merchant account:

The first step on your path to a new merchant account is starting the Creditly application or if you would rather chat with someone to find out more, call us at (877)307-7711*. We can get you set up in as little as 2 DAYS!

*Hint: This is easier cause we can fill out your application for you!

Choose the right Merchant Account for your business:

The Creditly experience:

At Creditly your journey will begin with your application which we use to collect information about you and your business to match you with the right merchant account provider. From there you will be connected with your very own New Client Specialist (NCS) who will help you complete this application and will be your contact to answer all of your questions.

Once we have the necessary information and have assessed your business model, you will be classified as a Gold, Platinum, or Diamond merchant based on your unique payment processing needs.

After this, you will be introduced to your Certified Payment Specialist (CPS), who will be your one point of contact for all of your payment processing needs. This ensures that when you call, you are talking to someone you know and who knows you and your business. They will apply for merchant accounts on your behalf and help you set up your new merchant accounts and your online payment gateway.

After that, you will be ready to start accepting payments. Your CPS will monitor your accounts and keep in contact whenever you want to chat or if they need to alert you of something that requires your attention on top of annual merchant account reviews.

How Creditly Can Help Your Business...

We pride ourselves on making your life easier and facilitating the growth of business across the globe. We have been doing this successfully for years and have helped countless businesses achieve their full potential, just check out some of our testimonials. More importantly, Creditly would love to play it’s part in helping you achieve your goals and service your consumers smoothly. if you’re interested in working with us, you can start your EMAP  application below or call us at: (877) 307-7711 | Get Set-up with a Merchant Account »

Kratom Credit Card Processing FAQs

Kratom credit card processing refers to the ability for businesses that sell Kratom products to accept credit card payments from customers.

Due to the nature of the Kratom industry, businesses in this sector may be considered high-risk by traditional merchant service providers. Kratom credit card processors specifically work with businesses in this industry and may be more willing to provide merchant services.

Yes, there may be restrictions on what types of Kratom products can be sold using a Kratom credit card processor. These restrictions may vary depending on the merchant services provider, as well as the laws and regulations of the jurisdiction in which the business operates. It’s important to check with the credit card processor on their specific policies and restrictions.

There may be additional fees associated with a Kratom credit card processing, such as higher processing fees or a higher monthly account fee, to cover the additional risk associated with the industry. It’s important to carefully review the terms and fees of any merchant account before signing up to ensure that you fully understand the costs involved.

To set up a continuity & subscription merchant account, you will need to apply with a merchant account provider that specializes in this type of account. The provider will review your application and determine whether to approve you for an account. You may be required to provide additional documentation, such as your business license and credit history, as part of the application process.

Yes, a Kratom business can use a regular merchant account for credit card processing, but it may be considered high-risk by traditional merchant account providers and may be terminated if they find out. It’s a good idea to find a specialized provider that offers merchant services specifically for Kratom businesses as they understand the nature of the business and might have more flexible terms.

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Merchant Accounts FAQ

If you want to know more about payments, pricing, or solutions to problems you are experiencing, we are always ready to help you.

Creditly specializes in high-risk payment processing, but we also work with mid-risk and low-risk companies.

Here is a short list of some business verticals we service:

  • Antiques & Collectibles
  • Apparel & Clothing
  • Bad Credit
  • Bus Lines
  • Cannabis Support Businesses
  • Caterers
  • CBD Oil & CBD Products
  • Continuity Products and Subscription Boxes
  • Credit Repair
  • Credit Monitoring
  • Debt Collection
  • Digital Streaming
  • Document Preparation
  • Fantasy Sports
  • Firearms & Ammunition
  • Furniture & Home Furnishings
  • Health & Beauty
  • Hotels & Lodging
  • Insurance / Warranty
  • Legal Services
  • Magazine Subscriptions
  • Medical Billing & Coding
  • Medical Supplies
  • Membership & Recurring Billing
  • MLM Companies
  • Transportation & Moving
  • Non-Profit
  • Nutraceuticals
  • Pawnbrokers & Pawn Shops
  • Pet Products
  • Precious Metals
  • Property Management
  • SaaS Companies
  • Seminars & Coaching
  • SEO / SEM / Ad Agency
  • Smoking Accessories
  • Sports Betting
  • Survivalist & Tactical Gear
  • Telemedicine
  • Tobacco & Cigar
  • Travel & Timeshare
  • Vape / e-Cig / eJuice
  • Veterinarians
  • Web Design & Development

“High Risk” is a banking industry term. It’s important to note that there are many business models that are seemingly low risk, but fall into the high risk category.

There is nothing wrong with being considered high risk and there are many factors that contribute to risk.

When a consumer buys an item with a credit card, they are given 6 months from the date of receiving the item to dispute the charge.

If your business is no longer operating, who do you think has to refund that money? The processor. This is where risk is created.

Certain businesses, marketing models, and industries have a higher rate of chargebacks, where they get labeled as high risk.

Even if your business is perfect, has never had a chargeback, and operates 100% “by the books”, you could be labeled high risk if you’re business or industry falls into a high risk category.

There are 3 main reasons a business can be considered high risk.

  1. The business has a greater chance of chargebacks occurring
  2. The business model may be new or legally regulated
  3. The business accepts a high number of card not present transactions (over the phone, email, eCommerce)

At this time Creditly offers merchant account services for the USA and Canada. We are always working to expand our areas of processing and hope to serve a greater area in the near future.

We have worked with many new brands and start-ups to get them approved and running. However, banks like to see a long history of transactions and an established history with a merchant before approving them.

But, that does not mean we can’t get you approved. Reach out to us today and we will walk you through your options.

Once all of the necessary documents have been received, it typically takes 1-4 days to get approved.

Occasionally accounts can be approved in less than 24 hours, our team will work as quickly as possible to get your account up and running.

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