CBS offers a secure Cardless QR Scan & Pay (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!

• Accept payments In-Store, Drive-Thru, Delivery, Online Pre-Orders, Phone Orders (Text-to-Pay), and B2B Invoicing

• Customers can pay through the app or website checkout; enrollment takes about 15 seconds

• Cardless payments can cost up to 50% less than traditional card processing

• Works alongside your Cashless ATM and ATM program

• Built-in protection against returns and chargebacks

• Reduces cash handling and ATM dependence

• Real-time payment updates, including weekends

• Secure, compliant bank-to-bank transactions

• Compatible with 12,000+ banks

• Easy to scale while improving margins

We provide a unique QR code for each location, linked to your business bank account. You'll receive countertop signage and digital display assets to help customers enroll.

Customers simply scan the QR code with their smartphone, securely link their bank account, and complete cardless payments in seconds.

QR codes can be used anywhere payments are accepted, including:

• Checkout counters

• Website pre-orders

• Pay-by-text for phone orders

• Drive-thru

• Curbside pickup

• Delivery

Multiple QR codes can be deployed throughout a single location for maximum customer convenience.

Our QR Code and ACH payment system allows delivery customers to securely pay directly from their bank account instead of using cash. 

Payments can be completed before dispatch or at the door, helping dispensaries reduce cash handling and streamline delivery operations.

3 Ways To Pay

Pre-Paid Online

Customers pay during website checkout before the order is dispatched.

Pre-Paid by Text Link

For phone orders, the dispensary sends a secure payment link by text or email. The order is released once payment is confirmed.

Pay at the Door with QR Code

• Driver opens the app / payment system on their phone or tablet
• Driver enters the order total
• A secure QR code appears on the screen
• Customer scans the QR code with their phone camera, no app required
• Customer completes payment and the driver receives instant confirmation before completing the delivery

Can All Delivery Orders Be Pre-Paid?

Yes. Many dispensaries require all delivery orders to be prepaid before dispatch to reduce failed payments, cash handling, and delays at the door.

Yes. Dispensaries can use Cardless QR Scan & Pay 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 terminal, 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

Settlement Timing

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

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 QR 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

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

More ways to pay. No checkout interruptions.

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 QR Scan & Pay 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 payments securely connect customers directly to their bank account. Unlike Cashless ATM transactions, they do not run on ATM rails.

Built-in protections help prevent returns and chargebacks, while bank-level encryption keeps transactions secure and compliant.

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 Cardless QR Scan & Pay at your dispensary, tell us more about your business and payment needs. Click here