The FDA has increased its focus on 7-OH (7-Hydroxy), and many payment processors are cutting off merchants that sell it. While 7-OH is not currently banned, banks are treating it as high risk because of growing regulatory attention. Merchants who have been selling it without issues are now getting sudden notices that their payment processing will be shut down.
Two of the biggest acquiring banks that once approved 7-OH merchants have now set strict removal deadlines. Failing to meet these deadlines will lead to account closures and frozen processing.
Deadlines for SSB Bank and NABCO Merchants Selling 7-OH
Greenlisht / SSB Merchants:
- Remove all 7-OH products by August 13th
- Submit a compliance form before the deadline
- Any listings found during review will lead to account closure with no exceptions
- No deadline extensions will be granted
NABCO Merchants:
- Remove all 7-OH products by August 30th
- Same enforcement rules apply as SSB
This action is taking place even though 7-OH remains legal to sell today. Banks are moving early to avoid future legal problems.
Why Banks Are Forcing 7-OH Product Removal Before Legal Changes
Banks follow strict compliance rules and often act before a substance is officially banned. With the FDA now watching 7-OH closely, even fact it’s on the FDA’s homepage as of August 8, 2025, most banks are:
- Closing merchant accounts before a possible ban
- Raising reserve requirements and transaction monitoring
- Demanding product removal before any official legal change
This has left many merchants scrambling to find a payment processor that will still work with them.
AllayPay’s Domestic 7-OH Merchant Account Solution
We know how urgent this is. While most domestic banks are removing 7-OH merchants, we can still place these businesses with a domestic processor. Our solution includes:
- Full domestic payment processing
- Next-day funding
- No offshore or crypto-only workarounds
Rates are higher than standard accounts because of the risk premium place by the banks, but this allows you to keep selling legally. Note: If 7-OH is placed on the DEA’s Schedule 1 list, then selling 7-OH would no longer be legal, and you will be obligated to remove those products to keep your merchant account opened.
High-Risk Merchant Processing for 7-OH with Next-Day Funding
All but one processor has prohibited merchants selling 7-OH products, even though the product is still legal for now. AllayPay offers a high-risk payment solution with domestic banking relationships and fast, next-day funding. This keeps your business running without risky offshore or alternative setups.
The Bottom Line for 7-OH Merchants
7-OH is still legal, but most banks are treating it as if it’s already banned. If you need domestic high-risk merchant processing with next-day funding, AllayPay can help when others cannot. Contact us today to secure your account before the August deadlines.
Frequently Asked Questions About 7-OH and Payment Processing
Is 7-OH legal to sell?
Yes. It is legal in the United States unless the DEA classifies it as a Schedule 1 controlled substance.
Why are banks shutting down 7-OH accounts if it is legal?
They are reacting to increased FDA attention and want to reduce risk before any official ban.
Can I still get domestic processing for 7-OH?
Yes. AllayPay can place 7-OH merchants with a domestic processor that offers next-day funding.
What happens if the DEA bans 7-OH?
It would become illegal to sell, and payment processors would have to stop supporting transactions immediately.
Do I need to remove 7-OH from my website now?
If you are with SSB Bank, the deadline is August 13th. If you are with NABCO, it is August 30th. Missing the deadline means losing your account.
