The most stable electronic payment solution in cannabis.
The Cashless ATM — also known as Point-of-Banking — lets your customers pay with any debit card, processes through the ATM network instead of the credit card network, and settles funds directly to your bank account. No chargebacks. No holds. No instability.
GREEN LEAF DISPENSARY
Transaction Receipt
ATM network processing
Not credit card rails — that's why it's stable
No cost to the merchant
Customer pays the standard ATM fee
4G version for delivery
Same solution, works at the customer's door
No chargebacks
ATM transactions don't generate chargebacks
Why the ATM network is more stable than credit card processing.
Traditional credit card and debit card processing runs on payment networks governed by Visa and Mastercard — networks that have historically restricted or terminated cannabis merchant accounts. The Cashless ATM takes a fundamentally different path.
Instead of routing through credit card rails, each transaction is processed through the ATM processing network — the same infrastructure that powers every cash machine in the country. The customer's bank account is debited directly, and funds are deposited to your merchant account within 24 to 48 hours.
This is the core reason the Cashless ATM has been the most reliable and stable electronic payment solution for cannabis dispensaries for years. The network wasn't built with cannabis exclusions. It doesn't have a cannabis policy. It processes debit withdrawals — and that's exactly what a Cashless ATM transaction is.
Customer
Swipes card at counter
Visa / MC Network
Cannabis restrictions apply
Account Risk
Termination possible
Customer
Dips debit card + PIN
ATM Network
No cannabis exclusions
Your Account
Funds in 24–48 hrs
A complete transaction in under 30 seconds.
Four steps from sale initiation to approval. The whole process is faster than most credit card transactions — and more familiar to the customer than you'd expect.
Budtender enters the amount
The clerk initiates the transaction by keying in the sale amount on the large touchscreen terminal. The amount is rounded to the nearest ATM increment — typically $5.
~5 secondsCustomer chooses a tip
The terminal offers the customer a tip selection — or the option to skip. The full transaction detail, including tip and any cash back, is clearly displayed on the touchscreen. Transparent to the customer at every step.
~5 secondsCustomer inserts card and enters PIN
The customer dips their debit card into the EMV-compliant terminal and enters their PIN. The transaction processes and authorizes through the ATM network within seconds, returning an approval and displaying any cash back owed.
~10 secondsReceipt prints — funds on their way
A printed receipt is issued from the terminal. The amount is debited directly from the customer's bank account. Funds are deposited to your merchant account within 24 to 48 hours of the batch, which closes at midnight.
24–48 hr settlementThe Nexgo N5 — the best terminal in the POB industry.
Not all Cashless ATM terminals are equal. MMJPay uses the Nexgo N5 — a feature-rich, purpose-built point-of-banking terminal with a large touchscreen, all-day battery, and 4G LTE capability for delivery operations. If you're not using the N5, you're not using the best.
Nexgo N5 — POB Industry Standard
The most capable cashless ATM terminal available for cannabis merchantsHow to evaluate a Cashless ATM provider — and why we win.
Not all Cashless ATM solutions are the same. Here are the seven criteria every dispensary should evaluate — and how MMJPay stacks up on each one.
Transparency — the #1 factor
Our solution is 100% transparent with the ATM processor and banking partners. Not all solutions out there are. This is the single most important factor for the success, viability, and long-term stability of any Cashless ATM solution. A non-transparent arrangement puts your account at risk the moment someone looks too closely.
100% Disclosed · Zero Gray Areas"Transparency is the #1 factor for the success, viability, and stability of any Cashless ATM Solution. Our solution is 100% transparent with the ATM processor and banking partners — not all solutions out there are."
Daily settlement — 24 to 48 hours
We settle funds for all transactions taken through midnight for delivery to your account within 24 to 48 hours. Not 3 to 5 days. Fast access to your revenue is not a luxury — it's how a payment solution should work.
vs. 3–5 Days ElsewhereThe Nexgo N5 terminal
If you're not using the Nexgo N5, you're not using the best terminal in the Point-of-Banking industry. Large touchscreen, EMV chip, WiFi and 4G LTE, built-in printer — everything a retail or delivery operation needs in one device.
Industry's Best HardwareMerchant reporting portal
Real-time access to all transactions, clerk tracking, daily sales totals, and tip management — all from a single reporting portal that is genuinely second to none in the POB space.
Real-Time · Per-Clerk Tracking4G delivery capability
The same terminal that works at your counter comes in a 4G LTE version for delivery drivers. One solution, one account, one reporting portal — whether the transaction happens at the register or at a customer's door.
Counter + Delivery · Same AccountNo contract, no ETF
We believe merchants should control their own destiny. We don't force contracts, and we don't offer free terminals just to lock you in. We keep merchants by providing the best solution and service — month to month, always.
$0 Cancellation · Month-to-MonthService that bends over backwards
We provide support through multiple channels, when you need it. A dedicated account manager who knows your business — not a ticket number in a queue. When something needs attention, you have a direct line to someone who can resolve it.
Dedicated Account ManagerEvery bank and ATM processor in our network knowingly and openly accepts cannabis merchants through our Point-of-Banking solution. There are no gray areas, no workarounds, and no arrangements that put your account at risk when someone looks too closely. What you see is exactly what's happening.
What dispensaries ask us first.
The Cashless ATM is simple to operate but has some nuances worth understanding before you commit. Here are the questions we hear most.
Ask us something else →The most stable cannabis payment solution, ready in days.
Apply today and get a decision within 24 hours. Terminal ships the next business day. Most dispensaries are live and processing within 72 hours of applying.
Banking and payment processing built exclusively for the cannabis industry. Compliant, reliable, always in your corner.
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