Cannabis Business Solutions, Inc. (CBS) is a national firm with over 10 years of experience providing payment processing and banking solutions for cannabis and hemp merchants.

Led by CEO and national speaker Catherine Zito, CBS is known for delivering secure, cannabis-compliant financial services. Catherine is also the organizer of the largest cannabis and hemp networking groups in the U.S., with more than 6,600 members.

Our dispensary PIN-debit card solution provides a secure, compliant debit payment option for adult-use and medical cannabis retailers. It supports both in-store purchases and delivery transactions.

Customers simply insert their debit card, enter their PIN, and the total is rounded to the nearest five dollars. For instance, a $17.20 purchase is processed as $20, and the customer receives $2.80 in cash back at the register, similar to a standard ATM withdrawal.

This setup delivers a quick, reliable checkout while lowering operational risks, improving workflow, and maintaining full regulatory compliance.

• Reduces cash handling, lowering risk and overhead
• Generate revenue on every transacation
• Encourages higher sales and larger average transactions
• Faster and simplified checkout process
• Enhances safety for staff and customers
• Provides real-time reporting and transaction analytics
• Easy management through a centralized dashboard login

Dispensaries pay a processor cost rate and can add a convenience fee, giving them the opportunity to boost revenue.

The fee structure is fully customizable, putting dispensaries in control of their earnings per transaction.

Example revenue model for one location:

• Processing fee: flat fee paid to the processor
• Customer fee: set by the dispensary
• Dispensary revenue: difference between customer fee and processing fee

Your CBS advisor will review all the numbers with you, helping you optimize fees and maximize your revenue potential.

Our Dispensary PIN-debit card program is fully compliant with legal standards, offering transparent, secure transactions for both dispensaries and customers.

It uses regulated debit networks like NYCE, Pulse, and Star, which connect directly to a customer’s bank to transfer funds instantly. 

This approach eliminates the risks, fees, and upkeep of traditional ATMs, providing a safer, more convenient, and cost-effective solution.

• $0 application fee and free consulting
• No long-term commitments
• Dispensaries pay a flat processor fee and can add a convenience fee to earn revenue
• Approx. 2-day funding
• Transaction rounds to the nearest $5
• Can run alongside your existing ATM and integrates with most POS systems
• Real-time reporting portal
• Staff training included
• 5-star live customer support

Start with a free online application. A cannabis-friendly bank is required to apply, and we can provide a complimentary introduction to one of our national cannabis and hemp banking partners if needed.

Required Documents:

• Articles of Incorporation
• EIN Letter
• MMJ License
• Owner/Signer ID (driver’s license)
• Voided check or bank letter with routing/account numbers

Select from a range of terminals and accessories. (Pricing varies per model).

Approvals typically take 1–2 days, though processing times can vary depending on the processor and other factors. 

Submitting complete, organized documents helps speed up the process, and we always strive to expedite whenever possible.

Fintech processors like AeroPay and CanPay rely on ACH (Automated Clearing House) transactions, requiring customers to download an app and link their bank account. While compliant and cashless, these options add friction to the checkout experience.

Dutchie Payments is another ACH-based solution but is limited to dispensaries using the Dutchie POS system, making it not a general-purpose option.

A PIN-debit card solution delivers a faster, more familiar experience. Customers simply insert their debit card and enter a PIN—no apps, no account setup!

With over 10 years of experience in the cannabis and hemp industry, CBS offers a reliable, cannabis compliant solution in a space where many traditional processors fall short. 

Our system helps dispensaries reduce cash dependency, boost average ticket size, enhance the customer experience and offer a revenue generating opportunity.
 

What sets CBS apart is our commitment to service, we’re available 24/7, including weekends, and we actually answer the phone!

Tell us about your business by completing a brief online form. Get started today! https://www.cbscannabis.com/contact