Comparison

Throughput vs Square

Square charges you a hemp surcharge on every sale. We route the same card to a processor that does not.

What it replaces: Operations and Data Portal + Custom Compliant E-Commerce and Payments

Dimension	Square	Throughput
Hemp/CBD processing rate	3.8% + 30c online, 4.4% + 15c keyed-in for CBD, per Square's own CBD page	Routed to a hemp-approved high-risk processor at your negotiated rate, with the compliant SKU rules built into checkout
Standard vs hemp pricing	Standard is 2.6% + 15c in-person and 3.3% + 30c online, so hemp adds about 0.9 to 1.1 points on top	One processing relationship sized for your product, no surcharge layered on for being a hemp shop
Payment bright line	One generic card flow with no SKU-level separation of federally legal hemp from plant-touching THC	Card rails carry only federally-legal-hemp SKUs; THC is steered to bank rails, enforced in code at checkout
Account stability	Hemp merchants sit inside a mainstream processor's risk appetite and can be repriced or offboarded	Built for the high-risk category from day one, on a processor that wants the account
Ownership	Rented platform; your catalog, pricing, and customer data live inside Square	You own the storefront and database; we build it on your stack with Level C isolation

The receipts

Square's CBD program charges 3.8% + 30c for online CBD sales and 4.4% + 15c for keyed-in or card-on-file CBD transactions, against its standard non-CBD rates of 2.6% + 15c in-person and 3.3% + 30c online. That surcharge adds roughly 0.9 to 1.1 percentage points to every sale. (Source: Square official CBD industry page, https://squareup.com/us/en/industry/cbd ; Square Support Center fees page, https://squareup.com/help/us/en/article/5068-what-are-square-s-fees )

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