Top 4 Seed Banks that Accept Mastercard: 2022 Comparison

Mastercard is one of the most common credit card schemes on the market. That makes it a convenient and easy way to pay for most of us. Plus, unlike Visa, Mastercard doesn’t discriminate against the cannabis industry. That means buying cannabis seeds with Mastercard is normally easy. In fact, all you have to do is have a card and find a seed bank that accepts the card.

Additionally, most seed banks that accept Mastercard payments will accept any Mastercard. This means you can pay with a credit card, debit card, or pre-paid card/gift card. That can be extremely convenient for ensuring your security and privacy as you buy cannabis seeds.

The table below shows a quick comparison of all the seed banks that accept Mastercard that we’ve researched:

Below we have profiled each Mastercard accepting seed bank in more detail. Do note that they are in no particular order.

1. Seedsman

Seedsman might be most well known for its huge inventory of seeds, but it also accepts a wide variety of payment options. For example, Seedsman accepts Mastercard from most countries. Unfortunately, that does not mean everywhere. In fact, Seedsman maintains a list of 19 countries with restricted payment options. However, these restrictions exist because of local government regulation.

Seedsman also accepts debit and credit card payments. This means that if you’re purchasing seeds with Mastercard, you can choose to use a prepaid card instead. However, Seedsman warns that prepaid cards sometimes decline international transfers. Therefore, it might be the best option to buy a prepaid card in Euro. This could also potentially save you on some costs – as your bank is more likely to offer a favorable transaction rate than your credit card. However, prepaid cards have a high rate of being declined for international payments, so choosing a prepaid Mastercard isn’t always the best way to go.

Additionally, Seedsman warns that many international cardholders see charges of up to $10. These are payment transaction fees added by the bank or card issuer. On the other hand, Seedsman doesn’t charge an additional card usage fee.

Otherwise, Seedsman offers a very standardized payment solution. If you live in the U.S., you can also use your Mastercard through Zelle. However, you’ll have to confirm the Zelle account with your bank account first.

Seedsman is one of the most popular seed banks in the world. In most cases, they offer 5–14-day shipping to the U.S.

You’ll also likely have your order shipped from Amsterdam, Paris, or Barcelona. In fact, Seedsman maintains warehouses and seed breeders in all three.

Additionally, Seedsman does allow you to choose which currency you pay in. This can be advantageous if your card charges a high currency conversion fee. However, all rates are in Euro and Seedsman’s converter might not be up to date with banking rates. Finally, you’ll want to check if your Mastercard charges a fee for international transactions. Overall, Seedsman makes purchasing seeds with Mastercard very, very easy.

• In business since 2003
• Offers 1500+ cannabis seeds from 100+ seedbanks
• High stealth shipping available
• Guaranteed delivery available with stealth shipping
• Accepts Mastercard credit, debit, and prepaid cards
• Germination guarantee
• Located in Barcelona, Spain
• Used by commercial growers and hobbyists
• Ships worldwide

2. ILGM

I Love Growing Marijuana, commonly called ILGM, is one of the largest seed banks you can choose. The seed bank operates out of Amsterdam, the Netherlands, and ships worldwide. It also accepts a full range of payment options, including cryptocurrency, bank transfer, and, of course, credit cards like Mastercard and Visa.

However, ILGM also discourages buying weed seeds with Mastercard. Instead, ILGM recommends using Bitcoin or another, less restricted payment method. The company also cites the high rate of failure for international payments. For example, you may have to call your bank specifically to greenlight an international payment from your card. Some banks won’t even allow you to greenlight the sale. You may be able to get around this by buying a prepaid Mastercard in Europe. However, that might also fail.

Otherwise, ILGM makes it as easy as possible to check out with your Mastercard. Once you confirm the order, you’ll receive an email confirmation. Click that, fill out payment details, and you’re good to go – providing your bank doesn’t decline the payment. Finally, ILGM shows up on your Mastercard statement as “I Love Growing Hemp”. This may not be as stealthy as you’d like. On the other hand, the seed bank has no listed credit card fees.

Additionally, ILGM does not use a secondary card-processing payment option. If you want to pay with your card but it’s declined, you’ll have to use a bank transfer. Alternatively, you could use your Mastercard to buy Bitcoin instead.

• In Business since 2012
• Free shipping worldwide
• Premium shipping with guaranteed delivery available for $20
• Stealth shipping available
• 4–10-day delivery for most of the U.S.
• Mastercard credit, debit, & prepaid cards accepted
• 100% germination guarantee
• Located in Amsterdam, The Netherlands
• 1000+ seed options

3. Crop King Seeds

If you’re looking for a seed bank that accepts Mastercard, Crop King Seeds is popular, well-known, and well-rated. The Canadian-based company also gets around many of the issues you might have with European seed banks. For example, your Mastercard payment is less likely to be declined out of hand. However, it’s still an international payment if you’re in the U.S., meaning your card may still block it.

However, Crop King Seeds can help you reduce costs in other ways. For example, the company accepts payments in USD. That means it’s unlikely you’ll pay a conversion fee if you’re buying from the U.S. Like most competitors, Crop King Seeds does charge an additional processing fee for credit card payments. However, Crop King Seeds charges a 10% processing fee. That’s considerable and could deter you from using the payment method.

On the other hand, if you do buy via Crop King Seeds, you’ll get your order in just 2-7 days. That’s fast by most seed bank standards. Plus, Crop King Seeds offers wholesale rates if you need a large volume. This makes the seed bank fast, efficient, and relatively low-cost. However, you might still want to consider another payment method to keep costs down.

• In business since 2005
• Distributed by 300+ physical stores
• Delivery guarantees
• Free worldwide shipping on orders over $200
• Stealth shipping
• 2–7-day delivery times
• Warehouse in Vancouver, Canada
• 80% germination guarantee
• Offers thousands of seed options
• Accepts Mastercard credit, debit, & prepaid cards

4. MSNL

MSNL, also known as Marijuana Seeds NL, is one of the world’s oldest seedbanks. It’s also a good choice if you want quality seeds from a reputable vendor. However, MSNL can make buying seeds with Mastercard slightly more difficult than some alternatives. For example, the seed bank does not accept prepaid Mastercard. However, it does accept Mastercard credit and debit.

Additionally, MSNL does not charge an additional fee for using cards. However, all card payments are processed in GBP. This means you’ll see a transaction conversion rate and likely higher costs. While the rate won’t be extreme, you can normally expect a .3-2% difference in costs. That also means it’s significantly likely your bank will cancel the charge unless you alert them first. Importantly, you don’t have to tell your bank what you’re buying. Just alert them to the fac that you’re buying from a Dutch company and the bill will be in GPB.

MSNL also offers free shipping on orders of $250 plus. However, they do charge an average of $5 to ship to the U.S. for smaller orders. You can also pay extra for stealth shipping. Plus, with most orders arriving within 2 weeks, you’ll get your order within a reasonable timeframe.

• In business since 1999
• Offers thousands of seed types and strains
• Located in Amsterdam, the Netherlands
• Ships in 4-15 business days
• Free shipping on all orders over $250
• Stealth shipping available
• Guaranteed delivery available
• Accepts Mastercard Credit and Debit cards

Why Use Seed Banks that Accept Mastercard?

Mastercard is an international payment standard. It’s also encrypted and fully secure. That means you don’t have to rely on your seed bank to use a secure website. Additionally, the seed bank never sees your card data or details. Plus, with many cards offering significant buyer protection, you have a way to get your money back if seeds never arrive.

Additionally, Mastercard is just a normal payment method. It might be your normal means of paying for most goods. Mastercard accepting seed banks just allow you to continue using your normal payment options. Despite that, Mastercard accepting seed banks aren’t that common. In fact, almost no U.S.-based seed banks allow purchasing cannabis seeds with Mastercard. That can be incredibly inconvenient to you as a consumer.

That’s why most of the largest seed banks try to accept Mastercard anyway. For example, the top four listed here are among the largest seedbanks in the world. They’re also established and trustworthy, which makes it easier to switch to a different payment method, like Bitcoin, later.

Mastercard Disadvantages

Most seedbanks discourage the use of credit and debit cards. That’s because many banks will decline card transactions. This is especially true if you are making an international payment. For this reason, it’s almost always a good idea to call your bank ahead of time. For example, you can tell your bank that you’re making an international purchase. You should mention the country you’re ordering from and the currency where possible. If you already know what you’re buying, it’s always a good idea to alert them to the total cost as well. This ensures your payment is more likely to be approved.

In addition, many Mastercard payments incur international payment fees. These can be as high as $10 per transaction. In addition, those fees are on top of normally transaction fees. Plus, if you’re paying in a currency other than USD, you’ll pay currency conversion fees. And it’s unlikely that you’ll get the interbank conversion rate. This means paying with a Mastercard can significantly increase costs.

Next Steps

Buying weed seeds with Mastercard might be a lot more trouble than you’d like. That’s unfortunate, considering Mastercard is normally a standard way to pay for just about anything. Unfortunately, you’re almost always better off choosing a different way to pay for cannabis seeds. For example, you can use PayPal, Bitcoin, bank transfer, or other payment methods. If you really have to use Mastercard, these four seed banks are very likely to accept the payment. However, your bank may still decline it.

Harry Williams

Harry is a cannabis growing veteran, recognized marijuana seed cultivation expert and founder of GrowReporter. Harry has spent the last 20+ years educating thousands of people about his techniques and methods.