CBS offers a secure pay-by-bank 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, eliminating the need for debit card workarounds or ATM withdrawals.

The system is built on modern ACH infrastructure, enabling cannabis retailers to accept digital bank payments that are fast, reliable, and cost effective.

• 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 our pay-by-bank solution, 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. 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 counter

* Drive-thru windows

* Curbside pickup stations

Our pay-by-bank solution fees vary depending on your business needs. We can provide a detailed breakdown after learning more about your operations, transaction volume, and goals.

To get a customized fee estimate, please contact us

Funds are generally settled the same-day, helping dispensaries improve cash flow.

Pay-by-bank has become a popular digital payment option for cannabis retailers, either as an additional way for customers to pay or as a backup if terminals go down.

Since transactions occur directly through the customer’s bank, it offers a reliable alternative in an industry where payment services can be affected by banking policies.

No. Customers 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.

Pay-by-bank technology is used by a growing number of major companies across regulated industries and digital commerce, including:

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

Yes. Pay-by-Bank 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.

Yes. Many dispensaries use a Pay-by-bank QR code alongside other payment methods, including:

• Cashless ATM debit processing 
• ATM machine withdrawals

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. 

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.