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.