The Best Shopify High-Risk Payment Gateway in the UK

Name: Wallid Pay by Bank for Shopify
Brand: Wallid
Rating: 4.9 (105 reviews)

Pay-by-Bank / Blog / The Best Shopify High-Risk Payment Gateway in the UK

Selling CBD, vape, or other regulated products on Shopify in the UK? Shopify Payments likely won’t support you. This guide helps high-risk merchants find a secure, compliant, and affordable payment gateway—highlighting Pay by Bank via Wall ID as the top solution.

Key Takeaways:

Shopify Payments blocks high-risk industries like CBD, vape, alcohol, and nootropics—even if legal.
Traditional high-risk processors charge 4–7% fees, delay payouts, and may freeze funds.
Wall ID’s Pay by Bank is FCA-regulated, chargeback-free, and built for high-risk UK merchants.
Merchants get instant or same-day payouts with no dependence on card networks.
Wall ID supports legal CBD, vape, wellness, and adult products sold via Shopify in the UK.

Why Some Shopify Merchants Are Considered “High Risk”

Many Shopify merchants face restrictions or bans from Shopify Payments and Stripe simply because of what they sell—even when it's legal.

Common high-risk categories include:

CBD and hemp-derived products
Vape and nicotine products
Alcohol and regulated beverages
Supplements and nootropics
Adult or restricted content

Reasons for being flagged:

Higher chargeback rates
Regulatory complexity
Subscription or recurring billing models
Perceived brand or legal risk

If you're in any of these industries, Shopify Payments may reject or disable your account without warning.

Looking for a Shopify high risk payment gateway UK sellers can trust? Wall ID offers a reliable alternative.

Problems With Traditional High-Risk Processors

Many “high-risk payment processors” come with significant downsides:

Issue	Impact
High Fees	4–7% transaction fees + monthly minimums
Delayed Payouts	Settlement windows of 5–10 business days
Account Freezes	Funds can be held for weeks during reviews
Manual Onboarding	Long approval process, paperwork, and risk scoring

These limitations affect cash flow, reduce trust, and introduce planning risk. Merchants selling restricted products on Shopify deserve a payment gateway for regulated products Shopify won’t block.

Why Pay by Bank Is Ideal for High-Risk Shopify Stores

Pay by Bank, enabled through Wall ID, uses open banking to process direct, verified bank-to-bank payments—no cards involved.

No chargebacks

Instant or same-day payouts

No risk of card bans

Full compliance with UK FCA regulation

Supported on Shopify via native integration

Unlike traditional processors, Wall ID doesn’t punish you for your product category. If you operate legally in the UK, you’re eligible.

Learn more

Pay-by-Bank Payments For High Risk Stores on Shopify Pay-by-Bank Express Checkout For High Risk Stores on Shopify

Supported Product Categories

Wall ID supports high-risk merchants in regulated but legal UK industries:

CBD and hemp-derived supplements
Vape, nicotine, and tobacco alternatives
Alcoholic beverages
Wellness, supplements, and nootropics
Adult lifestyle and digital content

No complicated underwriting. No long onboarding. No card-based rejections.

“Exactly what we needed for CBD payments. Finding a reliable gateway that supports CBD businesses isn’t easy. WallidPay made that easier for us and we’ve been using it since. Real-time transfers are a huge plus.”

– Verified Trustpilot Review

Speakable

Selling CBD, vape, or supplements on Shopify in the UK? Most payment processors won’t support you. Wall ID offers a fast, compliant Pay by Bank solution—no chargebacks, no card network restrictions, and instant payouts.

FAQ

What is the best high-risk payment gateway for Shopify UK?

Wall ID with Pay by Bank is the top-rated option for merchants selling CBD, vape, and other regulated products legally in the UK.

Why does Shopify Payments block high-risk products?

Shopify Payments is powered by Stripe, which restricts many regulated industries due to card network rules and risk scoring.

Can I sell CBD on Shopify in the UK?

Yes, as long as your products comply with UK law. However, you'll need a third-party provider like Wall ID to process payments.

Does Pay by Bank support recurring billing?

Yes. Wall ID supports subscriptions and repeat payments using secure open banking APIs.

Is Pay by Bank secure and compliant?

Yes. Wall ID is fully FCA-regulated and uses bank-grade encryption to protect all transactions.

About the Author

This article was written by Wallid’s team of high-risk commerce specialists, focused on helping UK Shopify merchants accept payments for CBD, vape, nootropics, alcohol, and other regulated products. Wallid’s FCA-regulated Pay by Bank solution eliminates chargebacks, reduces fees, and enables fast, compliant checkout for high-risk stores. Learn more at wallid.co.