**Stop running a cash-only dispensary.**

Your customers want to pay with a card. Your staff wants to handle less cash. Your accountant wants clean records. MMJPay makes all of it possible — with payment solutions built from the ground up for licensed retail cannabis.

We are an independent payments consultant specializing in cannabis. Every solution we offer comes from banks and processors who are knowingly and openly accepting cannabis business — no workarounds, no risk.

Get Started Today

Call (800) 279-1455

What your checkout looks like with MMJPay

GREEN LEAF DISPENSARY ● LIVE

Sale Total

$127.50

Accepted Payment Methods

Visa

Mastercard

Amex

Discover

Debit

Cashless ATM

⚡

Same-day settlement

Funds in your account fast — no multi-day holds

📋

Full compliance

Built for state-licensed retail cannabis operations

🔒

No surprise shutdowns

Processors who openly accept cannabis merchants

📊

Real-time reporting

Detailed sales data across every register and location

Trusted & In Use At 30+ States of Dispensaries

Green Leaf Dispensary ◆ Harvest House ◆ Zen Leaf ◆ MedMen ◆ Jushi Holdings ◆ Acreage Holdings

— The Problem

Cash is costing you more than you think.

A cash-only dispensary isn't just inconvenient — it's actively hurting your bottom line, your safety record, and your ability to grow. Customers leave when they hit an ATM fee. Staff face real safety risks handling large cash deposits. And your books are a nightmare to reconcile.

The good news: the cannabis payment landscape has changed. Legitimate, fully disclosed payment solutions now exist for retail dispensaries in every legal state. MMJPay has been navigating this space since 2014.

30%

Average sales increase after going cashless

Customers spend more when they're not limited by cash on hand

60%

Reduction in cash on hand after switching

Less cash means lower theft risk, fewer armored car runs, simpler ops

Setup fees to get started with MMJPay

No upfront costs, no long-term contracts, cancel any time

— Solutions for Retail

Every tool your dispensary actually needs.

From your front counter to your back office, MMJPay covers the full financial stack for licensed retail cannabis operations.

🏧

Cashless ATM — Your Primary Processing Solution

The most widely adopted solution for retail dispensaries. Customers tap or swipe their debit card at your counter and the transaction processes like an ATM withdrawal — giving you cashless sales without the complexity of traditional merchant processing.

Works with any debit card, no special hardware required
Same-day settlement — funds hit your account fast
No chargebacks, no holds, no surprise account freezes
Simple flat-rate pricing, no percentage taken per sale

Also accepted alongside cashless ATM

Visa Debit Mastercard Debit All US Debit Cards HSA Cards Prepaid Debit

🖥️

Point of Sale

Process payments through any PC or Android device. Our POS solution provides robust sales reporting, configurable employee permissions, shift tracking, and inventory integrations — purpose-built for the high-volume pace of a retail floor.

In-store card readers and countertop terminals
Inventory & compliance integrations
Employee permissions by role
Detailed end-of-day reporting

🏦

Cannabis Banking

We connect your dispensary to FDIC-insured bank accounts through our network of financial institution partners who openly and knowingly serve the cannabis industry. Business checking, payroll, and treasury — finally accessible.

FDIC-insured business checking
Payroll and direct deposit
Wire and ACH transfers
No unexplained account closures

🏧

On-Site ATM Placement

For customers who still prefer cash, we place and fully manage an on-site ATM at your location at no cost to you. You earn a share of every transaction fee — a passive revenue stream with zero operational overhead on your end.

Free ATM placement and management
Revenue share on every transaction
24/7 cash replenishment service
Reduces staff cash-handling burden

— Getting Started

Up and running in days, not months.

Most dispensaries are processing within 3 business days of applying. Here's exactly how it works.

Apply online

Fill out a simple application — no credit check required. Tell us about your license, your state, and your monthly volume. Takes about 5 minutes.

~5 Minutes

→

Cannabis-specialized review

Our underwriting team — with over a decade of cannabis-specific experience — reviews your application. You'll hear back within 24 hours. No generic risk algorithms.

Within 24 Hours

→

Terminal ships, you process

Hardware ships next business day. We handle setup and walk you through your first transaction. Most dispensaries are live within 2–3 days of approval.

Day 2–3

— Point of Sale

A POS that's actually built for dispensaries.

Generic POS systems weren't designed for the compliance requirements, product taxonomy, or operational pace of a cannabis retail floor. Ours was.

👥

Employee permissions by role

Budtenders, managers, and admins each get the right access — nothing more.

📦

Inventory integrations

Connects with leading cannabis inventory and compliance platforms.

📊

Sales reporting built in

End-of-day reconciliation, top products, hourly sales — all in one dashboard.

🖥️

Works on PC or Android

No proprietary hardware lock-in. Use what you already have or what we ship you.

Current Transaction

Blue Dream 3.5g

Qty: 1

$45.00

Sour Diesel Cartridge

Qty: 2

$60.00

Edibles — Mixed Pack

Qty: 1

$22.50

Subtotal$127.50

Tax (8%)$10.20

Total Due$137.70

Hold Order

Charge Card →

Budtender: J. Martinez · Shift started 10:00 AM

35+

Legal states where
we actively process

527+

Retail dispensaries
using MMJPay today

24hr

Average time from
application to approval

Setup fees, cancellation fees,
or long-term contracts

— Common Questions

Things retail operators always ask us.

We've been doing this since 2014. Here are the questions that come up every time — answered straight.

Ask us something else →

It's a common misconception. Legitimate cannabis payment solutions do exist — the key is that the banks and processors involved must knowingly and openly accept cannabis merchants. That's the standard MMJPay holds every solution to. We never place you with a processor who doesn't understand what they're processing. That's what separates a real solution from a workaround that puts your account at risk.

Our banking and processing partners are specifically monitoring cannabis regulatory changes and are committed to the space long-term. We don't place you with processors who are "tolerating" cannabis — we work with those who have built their business around it. That said, we always recommend you maintain a backup plan, and our team actively monitors changes in your state.

A cashless ATM processes debit card transactions structured as ATM withdrawals rather than retail purchases. The customer sees a small round-up (typically to the nearest $5 or $10) and the funds are settled to you as cash — which is fully legal and disclosed. It's the most widely adopted cannabis payment solution because of its simplicity, stability, and lack of chargebacks.

Most retail dispensaries receive an approval decision within 24 hours of submitting their application. Hardware ships the next business day. The majority of our new accounts are live and processing within 2–3 business days of approval. Compare that to 30–90 days at traditional banks — if they approve you at all.

Our POS solution runs on any PC or Android device — so if you already have compatible hardware, you may not need anything new. For cashless ATM, we typically ship a simple countertop terminal. We'll walk through your existing setup during onboarding and tell you exactly what — if anything — you'll need to add.

There are no setup fees and no cancellation fees. Pricing starts at 2.9% + 10¢ per transaction for high-risk processing. Cashless ATM solutions typically use flat per-transaction fees rather than percentages. We'll give you a clear, itemized rate sheet based on your volume and solution mix before you commit to anything.