Green Financial - High risk merchant accounts and business financing
Apply

Retail Merchant Accounts

In-store payments
built for high-risk
retail.

Whether you run a smoke shop, CBD store, kratom bar, or any other high-risk retail business, Green Financial gives you a merchant account that actually stays open – plus modern POS hardware and tools to run your front desk the right way.

Apply Now
Talk to Us
  • Smoke Shops
  • CBD Stores
  • Kratom / Kava Bars
  • Vape Retailers
  • Firearms Dealers
  • Nutraceutical Shops
POS System Tiers
  • Standard

Standard POS System

  • Inventory management with low-stock alerts
  • Sales and tips tracking by employee
  • Discount and specials management
  • Click-to-pay invoices
  • Dual pricing / cash discount
  • Upgraded

Upgraded POS System

  • Everything in Standard, plus:
  • Employee timeclock
  • Built-in loyalty and gift card programs
  • Multi-location and eCommerce syncing
  • Email and SMS marketing integration
  • Local delivery via Uber and DoorDash
SwipeSimple included · Free terminal placement

1-2 Days

Most retail approvals

Next Day

Funding on sales revenue

Free

Terminal placement program

~100%

Approval rate for legal businesses

Why Choose Us

A retail account built to stay open and keep moving.

Green Financial specializes in the retail businesses that mainstream processors won’t take on. Here is what that means in practice.

Nearly 100% Approval Rate

We secure retail merchant accounts for almost every legal business - including those with bad credit or a prior termination. As long as your business is real and compliant, we can almost always get you set up.

High-Risk Industry Experience

Years of experience and direct partnerships with acquiring banks that understand high-risk retail. We handle the compliance work that trips up other processors, so you can focus on running your store.

Fast Funding Times

Your sales revenue hits your bank account fast - next-day funding for most accounts. Steady cash flow keeps your shelves stocked and your operations running without gaps.

Competitive Rates, Always

We match or beat your previous processor rate. And with our Dual Pricing Program, you can effectively eliminate card processing fees entirely - legally and transparently.

POS Systems

Two tiers of POS built for high-risk retail.

Both systems include SwipeSimple for mobile payments. Choose Standard to cover the basics, or Upgraded for multi-location management, loyalty programs, and delivery integrations.

  • Standard

Standard POS System

Our preferred standard setup, including the SwipeSimple mobile payment option. Covers the core operations for single-location retail - inventory, discounts, tips, and invoicing - without unnecessary complexity.

📦

Inventory Management

Easy-to-input inventory controls with low-product alerts before you run out.

📊

Sales and Tips Tracking

Monitor sales and tips by user or employee, with clear end-of-day reporting.

🏷️

Discount and Specials Management

Run multiple specials and discounts at the same time without manual price changes.

💳

Cash Discount / Dual Pricing

Built-in dual pricing support so customers see both cash and card prices at checkout.

📨

Click-to-Pay Invoices

Send invoices with a payment link - perfect for wholesale or B2B orders.

  • Upgraded

Upgraded POS System

Everything in the Standard tier, plus advanced features for growing retailers: employee management, loyalty programs, multi-location inventory, email/SMS marketing, and local delivery integration.

🕐

Employee Timeclock

Track employee hours directly in your POS - no separate time-tracking app needed.

🎁

Built-In Loyalty and Gift Cards

Reward returning customers with loyalty points and gift card programs built into the register.

🔄

Multi-Location and eCommerce Syncing

Manage inventory across multiple store locations and your online shop from a single dashboard. Integrates with WooCommerce and Shopify.

📣

Email and SMS Marketing

Optional loyalty and marketing program for targeted email and SMS campaigns to your customer base.

🚗

Local Delivery Integration

Offer in-store pickup and local delivery through DoorDash Driver and Uber Deliveries - connected directly to your checkout.

Dual Pricing Program

Cut your processing costs - legally and transparently.

The Dual Pricing Program lets you display two prices for every product: a lower price for cash and a slightly higher price for card payments. Customers choose knowing the full picture. You reduce or eliminate your processing fees.

Display Two Prices

Show a cash price and a card price for every product or service. Customers see both options clearly before they pay - no surprises at checkout.

Encourage Cash Payments

The lower cash price gives customers a straightforward reason to pay with cash when they can, reducing your card volume and fees.

Card Payments Cover Themselves

When a customer pays by card, the slightly higher card price offsets your processing cost. You keep your margin either way.

How Dual Pricing compares to Cash Discoun

Dual Pricing - Recommended

Both prices shown upfront

Customers see the cash price and the card price before they decide how to pay. Transparent, compliant, and builds trust - no one feels penalized at checkout.

Cash Discount - Traditional

Fee added at checkout

Customers often see the fee only when they go to pay by card. Can feel like a hidden penalty and leads to more friction and dissatisfaction.

Lower Processing Costs

Reduce or eliminate card fees by shifting the cost to customers who choose card payments.

Transparent Pricing

Customers appreciate seeing the full picture upfront - it builds trust and reduces disputes.

Compliance-Friendly

Fully compliant with card network and regulatory requirements. No risk of fines or account issues.

Flexible Integration

Works with your POS system and online checkout - no manual price changes required.

Industries We Serve

Built for the stores that mainstream processors turn down.

If your business has been denied by standard processors because of what you sell, we have almost certainly worked with a business like yours before.

  • Smoke / Vape Shops
  • CBD Stores
  • Kratom Retailers
  • Kava Bars
  • Firearms / Ammo Dealers
  • Nutraceutical Shops
  • Cannabinoid Retailers
  • THCA Shops
  • Legal Mushroom Stores
  • View All Industries →

FAQ

Retail merchant account questions.

Approved within one week, most in 1-2 business days. Smoke shops, vape stores, and similar retail businesses are typically among the fastest approvals. In some cases – where a bank compliance review is required for the specific product type – it can take closer to a week.
 
Yes. Our approval rate is nearly 100% for legal, compliant businesses – even with bad credit. As long as your store is real and operating within regulations, we can almost always get you approved.
We specialize in high-risk retail: smoke shops, CBD stores, kratom and kava bars, cannabis accessory retailers, nutraceutical shops, firearms and ammo dealers, and other businesses that standard processors consistently turn down.
 
Yes. We offer both a Standard POS system (including SwipeSimple for mobile payments) and an Upgraded system with loyalty programs, employee timeclock, multi-location inventory, and delivery integrations. All terminals qualify for our free placement program.
 
Yes. Our Upgraded POS system syncs inventory across multiple retail locations and ecommerce platforms including WooCommerce and Shopify, so you manage all channels from a single system.
 
Dual Pricing displays two prices for each product: a lower price for cash and a slightly higher price for card payments. Customers see both upfront and choose how to pay. This lets you reduce or eliminate card processing costs while staying fully compliant.
 
Dual Pricing shows both prices before checkout – customers make an informed choice. Cash Discount programs often add a fee at the point of payment, which can feel hidden or misleading. Dual Pricing is more transparent, more compliant, and leads to less friction.
Yes. We integrate your POS with DoorDash Driver and Uber Deliveries so customers can order online for in-store pickup or same-day local delivery – all connected to your existing checkout.
 
Credit cards, debit cards, cash, and click-to-pay invoices for retail and wholesale transactions. EMV chip, tap-to-pay, and contactless payments are supported on all our hardware.
 
We prioritize fast funding. Most retail accounts receive next-day deposits. Consistent, reliable cash flow so you can restock, pay staff, and run your business without delays.
 

Ready to get started

Get your retail store approved and processing today.

Apply now and hear back fast. Most retail accounts are approved within 1-2 business days.

Apply Now
Contact Us