//for / kratom retailers

Kratom is legal federally, banned in 6 states, and rejected by every card aggregator regardless.

Kratom sits in the same DEA-considered-and-declined limbo it has occupied since 2016 — legal federally, banned in Alabama, Arkansas, Indiana, Rhode Island, Vermont, and Wisconsin, and prohibited by every mainstream card processor. Specialty acquirers charge peptide-tier rates. Stablecoin doesn't classify by botanical.

// approval-rate benchmarklast 30d

industry avg — Kratom & botanicals

18%decline rate

transactions killed by risk rules, MCC blocks, and BIN filters

our stack

100%approval rate

not 99.99% — 100% on qualified volume, verifiable in your ledger

Every 18 out of 100 transactions your current processor kills is revenue you already paid to acquire. Our routing + wallet stack clears the full 100 — the ROI conversation stops being about basis points and starts being about the 18% of gross you’re currently leaving on the table. See the commitments we sign to keep it there →

6 states

with active kratom bans (AL, AR, IN, RI, VT, WI)

8–12%

typical blended fee on specialty kratom acquirers

AUP restrictions on stablecoin rails

// where the current model breaks

Stripe, PayPal, Square, Shopify Payments all prohibit kratom

Categorical AUP bans across the aggregator layer. Even legal, AKA-certified vendors get boarded rejected.

Specialty acquirers charge 8–12% blended with 20% reserve

Kratom-friendly processors exist but at rates that consume margin. Rolling reserves of 20% for 12–18 months are standard.

State-by-state legality creates geo-block requirements

Selling into the 6 banned states creates liability. The cashier handles geo-fencing at KYC; card rails don't enforce it.

// why the cashier works for this vertical

No aggregator AUP to trip — stablecoin doesn't classify botanicals.
Geo-fencing enforced at KYC — banned-state customers rejected before checkout.
No 12–18 month reserve on volume.
AKA GMP certification and lab-testing workflows are unaffected.

// objections

Questions operators in this vertical ask.

How do we block sales into the 6 banned states?

The cashier ties to your KYC/shipping validation layer. Banned-state addresses get rejected at cart. Payment does not process for a prohibited destination.

What about FDA import alerts on kratom shipments?

Import compliance is your supply-chain question — the cashier is payment-only. It provides auditable settlement records if FDA or state boards audit your books.

Does this work for related botanicals (kanna, blue lotus, kava)?

Yes — the cashier is agnostic to product classification. Any botanical vertical facing the same aggregator ban runs on identical plumbing.