100% Honest answer, Especially for a startup business, your rates are not going to be low for credit card processing like visa, amex, discover, amex. CBD Merchant Solutions are one of the few real companies out there that support the CBD / Hemp Oil Industry. Unfortunately do the the nature of the industry and business and the current banking restrictions, we have limited options as far as "low rates" go for CBD OIL Merchants. Since all CBD Oriented businesses are effected by this, you may just need to pass on higher rates to your clients. We can offer e-check services at significantly lower rates then credit card processing. You can offer a 5% off if the customer pays by e-check for example to push echeck processing