FDA Crackdown on 7-OH Sales and What It Means for Merchants 

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. 

7-OH and Payment Processing FAQs