Can Dispensaries Use ACH Payments?

Can Dispensaries Use ACH Payments?

ACH payments allow customers to transfer funds directly from their bank accounts to a dispensary. This page explains how ACH works for cannabis retailers and what risks still apply.

What This Page Covers

  • How ACH payments work in cannabis retail
  • How ACH differs from card processing
  • When ACH programs are more stable
  • Why ACH can still be discontinued

How ACH Works for Dispensaries

ACH (Automated Clearing House) transfers move money directly:

Customer bank account → Dispensary bank account

No credit card network is involved.

Customer authorizes payment using:

  • Bank login
  • Routing and account number
  • Pre-enrollment system

Funds are pulled electronically and deposited after clearing.

Why ACH Is Often More Stable Than Cashless ATM

ACH does not rely on:

  • Visa credit rails
  • Mastercard credit rails
  • ATM rounding structures

Because of this, ACH programs are generally viewed as more compliant than disguised card models.

However:

ACH still requires a banking partner willing to support cannabis.

If that partner exits the industry, ACH programs can end.

What Operators Should Understand

ACH may involve:

  • Slower settlement (1–3 business days)
  • Customer enrollment friction
  • Bank compliance monitoring

It is not immune to shutdown, but it is typically less volatile than cashless ATM structures.

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