Hello Zen Cart-ians, which is what i suppose you'd call people who live in a state called Zen Cart? or would it be Zen Cart-ites?
So I installed Square and all is well until one our site sites gets a notice that selling CBD is not yet allowed, fill out this 20 page application to sell it, include 6 months of bank statements and by the way, we are stopping all money to your bank until resolved. CBD is allowed federally. Thanks to the 2018 Farm Bill (aka the Agricultural Improvement Act of 2018), CBD products are federally legal to produce, purchase, and use if they meet certain conditions. To be federally legal, CBD must be hemp-derived and contain no more than 0.3% THC. The products i sell have 0.0% THC.
Selling CBD and selling CBD with THC are two different worlds. CBD is legal and useful and been selling it for years! But Square now is the problem as they are too big to look into details and just slap that big business protocol without any closer inspection. In other words, they don't know if we sell it with THC and will not investigate. Authorize.net which used to be a straight forward basic information application now requires nearly every single personal identifiable information you have including license, SS, Cell, etc. Fine but then the current 2021 application declares the right to Audit your books at will and to forfeit any future possible litigation against the company should they make a mistake. It's just wow! If they make the mistake, you sign away litigation. It's not enforceable in any court but it's there and you sign it so...who knows.
This is SECTION 8.2 of Authorize sign on contract in case someone doesn't think I'm accurate. Audit. During the term of this Agreement and for two (2) years thereafter, CyberSource shall have the right to examine Merchant’s records, books, systems, controls, processes and procedures (“Records”) for the purpose of verifying Merchant’s compliance with the terms and conditions of this Agreement (“Audit”). Merchant shall provide to the auditors and personnel of CyberSource (“Auditors”) reasonable access to Records and shall cooperate and provide to such Auditors, in a timely manner, all such assistance as they may reasonably require in connection with any such Audit. Except in the event that CyberSource has reasonable basis to believe that Merchant is in violation of any Rules or laws, or in breach of any warranties, CyberSource will provide Merchant no less than five (5) days written notice prior to the date of an Audit, the Audit will be conducted during Merchant’s normal business hours, and Audits shall occur no more than twice in any calendar year.
My question is, is there an exhaustive list of processors that are set up with Zen Cart other than the ones in the plug in section? Square doesn't allow things like CBD or let's say you make art out of used bullets. If the bullets are real, they'll shut down the account because they cannot determine if the bullets are live ammo. Even though you state it's dead ammo and clean and used in this art piece, doesn't cut it. If it says made out of spent dead ammo... it's a shut down. It's all big business iron clad type legalities. Small business would work a little and look! Big business it's just protocol. Authorize.net is so big and now a visa owned company, they pretty much created a one sided contract. All your personal information is shared among it's family of providers as needed to perform their job which means, all that personal information is going to be out there big time. Like to keep it in the USA for the sake of data protection. So back to the question: other than what is listed in the plug in section, are there more credit card processors that are set up to work in Zen or might there be yet another solution? I liked the way it was years ago, the numbers came over split and we just keyed them in. thanks. :)
