CBS offers a secure cardless (QR Scan / ACH) solution that allows dispensary customers to pay directly from their bank account using their smartphone.

Customers simply scan a QR code with their phone and complete the payment from their bank account. 

This eliminates the need for debit card workarounds or ATM withdrawals. 

Although we offer Cashless ATM services too. It's your choice!

Multiple payment options: 

• In-store | Drive Thru
• Delivery
• Pre-Order & Pay (online)
• Phone Orders (text-to-pay) 
• B2B invoicing (text-to-pay)

Customers download the app or they have the option to checkout via website. Takes only 15-seconds to sign up.

• Cardless payments lower costs (up to 50% less than cards)
• Cardless Scan QR | ACH payments can run alongside your Cashless ATM and ATM machine
• Built-in protection against returns and chargebacks
• Reduces reliance on cash and ATMs
• Real-time payment updates, including weekends
• Secure, compliant, bank-to-bank transactions
• Works with 12,000+ banks
• Scales easily and improves margins

When your business activates our cardless solution, we provide a unique QR code for each store location.

Customers simply scan the QR code with their phone to complete a secure cardless transaction directly from their bank account. It works similarly to Apple Pay, Venmo, or Cash App, but is fully cannabis-compliant.

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

• Each checkout at counters
• Pre-pay on your website
• Pay-by-text for phone orders
• Drive-thru
• Curbside

Yes. Dispensaries can use cardless (Scan QR) alongside their Cashless ATM solutions.  

The hybrid approach guarantees you'll always be operational. Offering multiple payment options ensures customers can always complete their purchase, even if a particular payment method experiences temporary disruptions.

There are no startup costs and no terminals required. The system can work with any digital device. i.e.: Cashless ATM termina, POS terminal, iPad, or other device.

A CBS representaive will discuss the customer surcharge fee, your buy rate and the revenue share on every transaction.

For more details, schedule a call contact us

• Next-day deposits. Cut off time is 5:00pm
• After 5:00pm deposits will be received the following day

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

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

Cardless (Pay-by-Bank / Scan & Go) 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

With Cardless, transactions are not on ATM rails, helping reduce the risk of disruptions.

More ways to pay. No checkout interruptions.

To begin approval, please provide:

Business & Banking

• Current Cannabis Business License
• Voided Check or Bank Letter (business name, routing & account number)
• EIN Letter (IRS-issued)
• Completed W-9
• Operating Agreement (if not avail, we can assist)
• Certificate of Good Standing / Status (if not avail, we can assist)

Ownership Verification

• Owner ID(s) – Driver’s License or Passport (25%+ ownership)
• Last 4 digits of each owner’s SSN

Operations

• ATM Photos – 1–2 images per cash dispensing ATM (all locations)
• Number of Employees on Payroll
• Estimated Monthly Payroll

• Application is reviewed and submitted to the processor
• 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 and a test transaction

No. Using cardless (Scan QR) customers simply pay directly through their bank account so there are no out-of-network ATM fees.

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

Cardless technology is now used by major banks and dispensaries including:

• Curaleaf
• The Flowery
• Green Thumb Industries (RISE)
• Verano Holdings (MUV)
• Worldpay
• Bank of America
• Chase Bank
• 5th 3rd Bank
• Truist and many others

Yes. Cardless transactions use a secure bank authentication 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.

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. 

We offer a reliable and compliant digital payment option in a space where many traditional processors fall short.

CBS 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!

To learn more about implementing Pay-by-Bank 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.