420 Solutions | Merchant Club

Payment Options for Dispensaries

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Merchant Club can provide your legal dispensary any payment option that is compliant and safe to use anywhere in the U.S.

We offer Debit, Credit, ACH and Gift Card payment options that can be processed through either a payment terminal or virtually online or via text.

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PAYMENT SOLUTION BENEFITS

Accept ALL Card Types
Swipe, Chip, Tap, ACH, Text to Pay, Gift and Loyalty, and or QR Codes
Increased Sales Ticket Size
Increase Store Revenue up to 30%+
No Merchant Cost: Pass fees onto Customers
Encourage impulse buying
Attract more Customers and Retain the ones you have.
POS integrations - select solutions
Contactless Payments
Tip Line - Optional
Chargeback Protection

Text to Pay or QR Code option for Curbside pick up or Pre-Paid Delivery
Accurate Online Real Time Reporting
Cashless Delivery for your Driver

Payment Processing - Know Your Options

Let's get this out of the way, a dispensary is not allowed to have their own direct payment processing agreement for as long as cannabis is Federally illegal (schedule 1). You need a 3rd party processing agreement. Let us help you navigate through your options.

Compliant Payment Processing

In order to be compliant the card brands must approve the correct processing method if the transaction is taking place in a dispensary or other cannabis operation. This usually involves using digital wallets, crypto currency, electronic gift cards, software, etc..

Accepting Card Payments

Are there gaps in your payment acceptance program? Are you offering the major payment types that your customers actually want? Cash, ATM, ACH, Debit and Credit. Not all customers buy the same and you need to cater to them or someone else will. The industry is evolving and just having an ATM isn't enough. With Merchant Club, you can now accept credit and debit cards for your store and for delivery. We have both terminal and virtual solutions available.

Customer Buying Experience is Key

If it is not complicated then they will spend more. Simplified payments is critical. Your customers should experience the sale just like buying items anywhere they frequent. Provide them with options that best fit both how they like to spend and what fits how you like run your business.

20 to 40% Higher Ticket Sales

Electronic payments acceptance will make or break a stores profitability. It's vital to their survival. If cash only, then your customers are forced to pre-plan their spending before walking in the door. Having the ability to run a card at the counter promotes "spontaneous spending" which will account for an average of 20 to 30% increase in spend over stores that are cash only.

What costs more?

Cash or Electronic Payments

Cash handling costs can be substantial, ranging from 4.5% to over 10% of a dispensary's total cash. They include:

Armored Transport: Hiring armored vehicles to transport large sums of cash to and from banks.
Security Measures: Implementing enhanced security systems, safes, and personnel to protect against theft and robbery.
Labor Costs: Additional staffing needed to handle and manage large volumes of cash, including counting, reconciling, and preparing deposits.
Risk of Theft: Dispensaries are prime targets for theft and robbery due to their cash-intensive nature. This can result in significant financial losses.
Operational Inefficiencies: Managing cash is time-consuming and prone to human error, leading to delays and potential discrepancies.
Lack of Paper Trail: Relying on cash makes it harder to track and manage funds, complicating accounting and compliance efforts.

The high costs of cash handling highlight the urgent need for cannabis businesses to explore cashless payment options and robust cash management strategies to improve profitability and operational efficiency.

WHO WE SERVE

Dispensaries

Terminals or Text to Pay or Online

Retail CBD

Delta 8, Delta 9 and THCA

Cannabis Delivery

4G Wireless Terminals

Or Text to Pay or ACH

Online CBD and Kratom

Payment Processing

QUESTIONS?

Do I need a Cannabis Bank Account?
If you need help we have relationships with over 50 cannabis banks nationwide.

I already have an ATM or Debit Card solution
That's great! Keep them as they are great to have in any business.
However you want to provide your customers with same payment options that they are accustomed to using everyday in order to attract and retain more customers.
Your customers should be able to transact at your location just like they do at any other retail store.

Do you a have compliant way to take Credit Cards?
Yes, however we do not use any of the credit card brand rails for the direct sale of cannabis products. We have several solutions to choose from. Contact us for for more information regarding your options.

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POS Supported

Merchant Club of America is not a processor or a bank and does not claim any direct integrations or ownership of the above mentioned companies. Any product names, logos, brands, and other trademarks or images featured or referred to within this website are the property of their respective trademark holders.