Custom Payment Integration for High-Risk Magento Stores: CBD, Vape, Adult
Stripe, PayPal, and Adyen all terminate high-risk Magento merchants once the MCC code reads CBD, vape, or adult. The working stack is NMI, Easy Pay Direct, and eMerchantBroker, each with different rate cards, reserve requirements, and compliance hooks. Here is the real rate range, the chargeback thresholds that trigger offboarding, the Magento 2.4.4-2.4.9 module pattern that abstracts gateway switching per product category, and the compliance checklist for each vertical.