Scan & Pay transactions are processed through the ACH (banking) network, not ATM rails, providing a secure and reliable payment experience.

Customers have two ways to pay:

1. Mobile App: Customer scans the QR code at the counter, download the app (one-time setup), select a bank account, and approve the payment. First-time setup takes about 30 seconds.
2. Web Checkout: Customer scans the QR code at the counter, then the Budtender selects Web Checkout. The customer approves the payment—no app download required.

Receipt: Both options send the customer a receipt by text.

• Accept payments in-store, drive-thru, delivery, online pre-orders, call-in orders (Text-to-Pay) and B2B Invoicing
• Customers can pay through the app or website checkout; enrollment takes about 15-30 seconds. 
• Works alongside all other payment solutions 
• No monthly fees
• Earn revenue on every transaction
• Built-in protection against returns and chargebacks
• Real-time payment updates
• Secure, compliant bank-to-bank transactions

Checkout Options

Customers can register for an account by downloading the app or check out as a guest.

One-Time Registration

1. Open the payment link

Scan the QR code at the register or tap the payment link provided for counter service, delivery, or pickup.

2. Enter email or phone number

Enter an email address or mobile number and tap Login, or select Checkout as a Guest.

3. Create an account

Enter your name, mobile number, email address, and password, then tap Register.

4. Verify your identity

Enter the four-digit code sent to your mobile number. Complete the one-time identity check by entering your home address, the last four digits of your Social Security number or your birthdate. Customers must be 18 or older. Tap Submit.

5. Connect your bank

Search for your bank and sign in using your online banking login. The connection is handled through MX, a secure bank-data service, and is saved for future purchases.

6. Select an account and pay

Choose the bank account you would like to use and tap Transfer. A payment confirmation and receipt will appear on the screen.

Future Purchases Take Seconds

1. Open the link and log in

Enter your email address or mobile number and tap Login.

2. Enter the four-digit code

A verification code will be sent by text and email. Enter the code and tap Verify.

3. Select your saved bank account

Your connected accounts will appear. Select the account you would like to use and tap Transfer.

4. Done

Payment is confirmed on the screen, and the receipt is sent by email.

Here's how it works:

• Customer scans a QR code on any  device. i.e.: Cashless ATM terminal, POS terminal, iPad or phone.
• The customer has two ways to pay: Download the app (one-time 15-30 second setup for faster future purchases), or Use Web Checkout if they prefer not to download the app. 
• Sales person rings up the purchase using your existing POS system, cashless ATM terminal, tablet, or checkout device and enters the exact purchase amount —no rounding and no cash back required. 
• The customer scans the payment QR code, securely connects their bank account (first-time users only), and approves the payment. 
• Payment is approved within seconds. The customer receives a receipt via text.

No card. No cash. Just a fast, secure checkout. 

No startup costs. No monthly fees. No additional terminals required. 

The system can work with any digital device. i.e.: Cashless ATM terminal, POS terminal, iPad or phone.

A CBS Payments dedicated team member will discuss the customer surcharge fee, your buy rate and your revenue share.

For more details, schedule a call, contact

Settlement Timing

• Transactions submitted before 6:00 PM ET deposit the next business day
  
• Transactions submitted after 6:00 PM ET deposit within two business days

Scan & Pay gives retailers flexible ways to accept secure bank payments for prepaid website orders, call-in orders, and deliveries—reducing cash handling and making the payment process easier for both staff and customers.

Payments can be completed before dispatch or at the door, depending on how your business operates.

3 Ways Customers Can Pay

1. Prepaid Website Orders

Customers place their order online and pay directly from their bank account before delivery. Once payment is approved, the order is prepared.

2. Call-In Orders

Customers place their order by phone. Your team totals the sale and sends the customer a secure payment link by text. Once payment is approved, the order can be prepared.

3. Deliveries: Pay at the Door

For payment upon delivery, the driver enters the purchase amount on a terminal, phone or tablet and generates a secure QR code. The customer scans the code, approves the payment through their bank account, and the driver receives payment confirmation before completing the delivery.

Can Delivery Orders Be Prepaid?

Yes. Retailers can require payment before dispatch or allow customers to pay at the door. Prepaid orders can help reduce cash handling, improve driver safety, minimize failed payments, and speed up the delivery process.

Yes. We offer Cashless ATM services too. You have the option to select Cashless, Scan & Pay or both! 

You'll receive the same buy rate and revenue share on both Cashless ATM or Cardless Scan QR solution.

Scan & Pay has become a widely adopted digital payment option for cannabis retailers.  

Today, many dispensaries run a hybrid model—combining Cashless ATM + Cardless—to give customers two ways to pay.

• Use Cardless alongside Cashless ATM 
• Serve as a reliable backup when needed 
• Provide a faster, more modern checkout experience

Transactions are not on ATM rails, helping reduce the risk of disruptions.

 Business & Banking  

• Current Business License (LLC, Inc., or permit
• Voided Check or Bank Letter (showing business name, routing number, and account number)
• EIN Letter (issued by the IRS)
• Completed W-9
• Operating Agreement (if unavailable, we can assist)
• Certificate of Good Standing/Status (if unavailable, we can assist)

 Ownership Verification  

• Driver's License or Passport for all owners with 25% or greater ownership
• Last 4 digits of each owner's Social Security Number

Once CBS Payments has all your documents, we'll submit an application to the processor and sponsoring bank for review and approval. 

• Approval typically within 24–48 hours
• Your dedicated QR code is created and activated
• Countertop signage is shipped, and digital assets are provided for in-store TVs or monitors
• Training is scheduled for setup guidance

No. There are no out-of-network ATM fees. Customers simply pay directly through their bank account. 

This improves the checkout experience and allows dispensaries to reduce reliance on ATM machines that require servicing, maintenance, and regular cash replenishment. Scan & Pay operates should a store incur Cashless ATM disruptions. 

Cardless payment technology is widely used by major financial institutions and cannabis retailers across the United States.

Examples include:

• Bank of America
• Chase Bank
• Fifth Third Bank
• Truist Bank
• Curaleaf
• The Flowery
• Green Thumb Industries (RISE)
• Verano Holdings (MÜV)
• Worldpay

...and many others.

As consumers become more comfortable paying directly from their bank accounts, cardless payment solutions continue to gain adoption across retail, ecommerce, banking, and all industries.

Yes. Scan & Pay securely connects customers directly to their bank account through the ACH banking network, not ATM rails.

Transactions are protected with bank-level encryption, and built-in safeguards help reduce returned payments and chargebacks, providing a secure and reliable payment experience for both customers and dispensaries.

With over 10 years of payment processing and industry experience, CBS Payments help businesses find the payment solution that best fits their needs.

What truly sets us apart is our commitment to service. Our U.S. team is available 24/7, including weekends, and when you call, a real person answers.

Tell us about your business and payment needs. A CBS Payments specialist will contact you to discuss your options and recommend the best solution for your dispensary.

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