CBS Pay, powered by Aeropay, provides dispensaries with a secure pay-by-bank option that allows customers to pay directly from their bank account using their smartphone.

CBS Pay is a secure pay-by-bank payment solution designed for cannabis retailers. 

Customers scan a QR code with their phone and pay directly from their bank account, eliminating the need for debit card workarounds or ATM withdrawals.

The system is built on modern ACH infrastructure, allowing businesses to accept digital bank payments that are faster, more reliable, and often more affordable than traditional card transactions.

• Next day deposits 
• Frictionless customer experience – customers scan a QR code and pay directly from their bank account.
• 15-second first-time onboarding – new customers can connect their bank quickly and easily.
• Built-in risk prevention – protects against returns and chargebacks upfront.
• High approval rate – industry-leading success for first-time transactions.
• Retail-ready for high-volume stores – multiple QR codes at counters, drive-thru, curbside, and delivery.
• Reduces reliance on cash and ATMs – avoids fees, service, and maintenance costs.
• Lower processing cost – up to 50% cheaper than card payments.
• Bank-to-bank transactions – no card networks involved, reducing fees and network risk.
• Secure and compliant – encrypted, bank-level security with regulated underwriting partners.
• Scalable technology – built to handle high transaction volumes.
• Access to 12,000+ banks – wide coverage for customer accounts.
• Improved margins – reduces payment processing costs and increases revenue potential.
• 24/7 real-time settlement – payments update instantly, including weekends and holidays.
• Higher first-time conversion – 20% better than ATM machines 
• Trusted by major companies – Curaleaf, The Flowery, Green Thumb/Rise, Verano, Skillz, Worldpay.
• CBS Pay is a reliable, efficient, and customer-friendly solution for dispensaries of any size.

When your business activates CBS Pay, powered by Aeropay, we provide a unique QR code for each store location. 

Customers simply scan the QR code with their phone to complete a secure pay-by-bank transaction directly from their bank account.

You can place QR codes anywhere payments are accepted. Dispensaries can have multiple QR codes within the same store, including:

• Each checkout counter
• Drive-thru windows
• Curbside pickup stations

There is no limit to the number of QR codes you can use within a location, making it easy to support multiple registers and busy sales environments.

Pay-by-bank has become one of the most attractive digital payment options for cannabis retailers because it reduces dependence on card networks and ATM withdrawals.

Benefits include:

• Up to 50% lower processing costs compared to card payments
• Industry-leading approval rates, helping reduce lost sales
• Direct bank-to-bank transactions with no card networks involved
• Reduced reliance on ATMs and the maintenance costs associated with them

A digital payment option when debit processing is temporarily unavailable

Because the transaction occurs directly through the customer’s bank, it provides a stable alternative in an industry where payment services can sometimes change due to banking policies.

CBS Pay supports accelerated settlement, with payments that can settle same-day or faster, helping dispensaries improve cash flow.

This is significantly faster than traditional ACH timelines, which historically took three to five business days to complete.

Yes. CBS Pay uses secure bank authentication technology that connects customers directly to their financial institution to authorize payment.

The platform includes built-in risk protections designed to prevent payment issues before they occur, including safeguards that help eliminate returns and chargebacks.

Transactions are encrypted and processed through bank-level security protocols to protect both the customer and the merchant.

Through Cannabis Business Solutions, the $500 setup fee from Aeropay is waived for CBS clients.

Transaction pricing is:

2.5% + $0.25 per transaction

For comparison, the industry standard rate is typically around 2.9% + $0.25 per transaction, making CBS Pay a competitive payment solution for dispensaries.

Pay-by-bank transactions can also reduce processing costs compared to traditional card payments, which often carry higher interchange and network fees.

No. Because CBS Pay processes payments directly through the customer’s bank account, there are no out-of-network ATM fees for customers.

This improves the checkout experience and allows dispensaries to reduce reliance on ATM machines that require servicing, maintenance, and regular cash replenishment.

Customers connect their bank account using Aerosync, a secure bank connection technology developed by Aeropay.

This technology allows customers to link their bank account quickly and securely.

Key advantages include:

• Access to 12,000+ supported banks
• 15-second first-time onboarding for most users
• Higher first-time payment conversion rates compared to traditional payment methods
• Once a customer connects their bank account, future payments are even faster.

Transactions processed through Aeropay are supported by regulated financial partners and financial technology compliance providers, including Fyxer, along with other financial partners that support compliant pay-by-bank processing.

The pay-by-bank technology behind CBS Pay is used by a growing number of major companies across regulated industries and digital commerce, including organizations such as:

• Curaleaf
• The Flowery
• Green Thumb Industries (RISE)
• Verano Holdings (MUV)
• Worldpay

These organizations use pay-by-bank technology to streamline payments and improve the customer checkout experience.

Yes. Many dispensaries use CBS Pay alongside other payment methods, including:

• Cash
• Debit processing (when available)
• ATM withdrawals
• Pay-by-bank QR code payments

Offering multiple payment options ensures customers can always complete their purchase, even if a particular payment method experiences temporary disruptions.

With over 10 years of experience in the cannabis and hemp industry, Cannabis Business Solutions provides payment solutions designed specifically for dispensaries operating in a complex banking environment. 

CBS Pay, powered by Aeropay, offers a reliable and compliant digital payment option in a space where many traditional processors fall short.

CBS Pay helps dispensaries:

• Reduce reliance on cash and ATM withdrawals
• Provide customers with a fast, secure QR code payment option
• Improve the checkout experience
• Maintain sales continuity when debit processing is disrupted

What truly sets Cannabis Business Solutions apart is our commitment to service. Our team is available 24/7, including weekends, and when you call, a real person answers the phone. 

We work directly with dispensary owners and managers to ensure payment solutions are implemented quickly and operate smoothly.

To learn more about implementing CBS Pay, powered by Aeropay, at your dispensary, tell us more about your business and payment needs. Click here

Our team will review your information and walk you through the next steps, including setup, QR code deployment for your location, and how to integrate pay-by-bank payments into your dispensary checkout process.