
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.
ACH (Automated Clearing House) transfers move money directly:
Customer bank account → Dispensary bank account
No credit card network is involved.
Customer authorizes payment using:
Funds are pulled electronically and deposited after clearing.
ACH does not rely on:
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.
ACH may involve:
It is not immune to shutdown, but it is typically less volatile than cashless ATM structures.