NOW PROCESSING IN 35 LEGAL STATES

Our solutions
for the cannabis
industry.

We realize how important it is to execute electronic and cashless transactions. Reducing cash creates a safer environment for your customers and staff — and gives growing operators the transparency to deploy capital.

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Talk to a Specialist

Trusted & In Use At 30+ States of Dispensaries

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

— Solutions — 01

Whatever
you sell,
we process it.

Today's cannabis space has 3 different payment processing obstacles. We clear them all — letting you get the right tools and a fact-based solution that works. When you are a growing company that needs to deploy capital, electronic payments give merchants the transparency and legitimacy they need.

I.

Cashless ATM

Give customers a familiar debit checkout experience without the risks of a cash-heavy store. Our cashless ATM network routes transactions securely — no chargebacks, no holds, same-day settlement.

Works with any debit card
No cash handling required
Funds settled same day
Simple countertop terminal

II.

CBD Credit Card Processing

Accept Visa, Mastercard, Amex, and Discover for hemp-derived CBD products. Full credit card processing tailored to the federal compliance requirements of CBD and hemp-based retailers.

All major cards accepted
Federal compliance built in
Recurring billing support
Detailed transaction reporting

III.

Hi Risk Processing

Fully underwritten merchant accounts for licensed cannabis operators where mainstream processors say no. Covers dispensaries, delivery, and multi-location groups — with 24-hour approvals.

24-hour approval decisions
No long-term contracts
Multi-location support
Chargeback dispute management

Since 2014

Ten years of cannabis-first processing.

527⁺

Active dispensaries

12K⁺

Transactions processed per day

$500^M+

Volume processed

— How It Works

Cashless ATM: simple for customers,
bulletproof for your business.

Every debit card transaction goes through the ATM network — not credit card rails. That's why it works when everything else gets shut down.

1

Customer inserts or taps their debit card

Any US debit card with a PIN works — Visa debit, Mastercard debit, even EBT-exempt cards. No credit card required, no workarounds.

2

Transaction routes through the ATM network

Not Visa. Not Mastercard. The ATM network — Star, Pulse, NYCE — processes the charge. Cannabis restrictions on credit rails don't apply here.

3

Customer enters PIN, transaction approves

A small ATM convenience fee is added to the purchase total — fully disclosed, transparent, and familiar to every cardholder. Approval in seconds.

4

Funds settle to your account within 24–48 hours

Midnight batch reconciliation, same-day settlement options, and a real-time merchant portal showing every transaction as it happens.

Step 1 of 4

Works with every debit card your customers already carry

No special cards, no pre-registration, no app. If your customer has a debit card from any US bank, they can check out at your counter just like they would at any other retailer.

100%

US debit card compatibility

30%

Avg sales lift vs. cash-only

Step 2 of 4

The ATM network is why this works when credit cards don't

Visa and Mastercard prohibit cannabis transactions on their credit rails — that's why dispensaries get shut down. Cashless ATM bypasses that entirely by routing through Star, Pulse, and NYCE networks, which have no such restriction.

0

Credit card rails used

Bank-transparent

Full processor disclosure

Step 3 of 4

A familiar checkout experience — for you and your customers

The ATM convenience fee is clearly disclosed at the terminal before the customer confirms. Most customers prefer paying a small fee over finding an ATM or handing over cash. Your budtenders run the same process every time.

< 30 sec

Average transaction time

EMV + PIN

Chip-secure authentication

Step 4 of 4

Funds in your account — no surprises, no holds

MMJPay Terminal11:42 AM

Purchase$85.00

ATM fee$3.50

TOTAL CHARGED$88.50

MERCHANT RECEIVES$85.00

✓ APPROVED — SETTLED BY 6AM

- Why MMJPay -

Where banks say no,
we say welcome.

Every cannabis operator faces unique challenges.
Here is how we make them simple.

💳

Built for cannabis

Every solution operates with legal regulations in mind — built with clear and viable service for the cannabis industry.

🔒

PCI-secure payments

Transactions operate at the highest-level PCI DSS certification — the clearest security standard your business needs.

⚡

24-hour approval

A decision in as little as 24 hours — well within the 30-day delays common at traditional banks.

"Finally, a processor that doesn't panic when they hear the word 'dispensary.' MMJPay approved us in 28 hours. We've been running smoothly ever since."

Sarah Miller

Owner, Fernwood Dispensary

No setup fees. No long-term contracts.

No setup fees, no long-term contracts.

Seamlessly start processing month-to-month. Cancel anytime.

2.9%+10¢

starting rate

- Financial Tools

The same financial support
as any other retail business.

MMJPay brings payroll, traditional banking, and affinity tools that mainstream retailers already have in their pocket — purpose-built for cannabis operators.

🏦

Risk transaction capture

Funds settled in as little as 60 minutes

›

💸

Next-day funding

Receive funds the next business day

›

📊

Chargeback shields

Built-in dispute management and protection

›

🔄

Multi-location reporting

Full dashboard across all of your locations

›

- Payment Tools

Every major card.
Every way
your customers pay.

Visa, Mastercard, American Express and Discover. Accept digital wallets, contactless payments, and ACH transfers — including Apple Pay and Google Pay.