Apply · USA
US cannabis merchant accounts, no aggregator games.
Cashless ATM for in-store card acceptance, ACH for online, and direct relationships with regional banks that openly serve cannabis. 5-10 business days to approval.
What you'll need
Four documents. Five minutes.
The US cannabis underwriting pack varies by state and category, but it's never the 200-page packet some aggregators send. Tribal operators and mainstream retailers both apply through the same flow.
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State cannabis or hemp licence
Recreational, medical, hemp, CBD, or accessory licence as applicable to your state.
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Recent processing statement
If you process today, one statement helps us scope the right banking partner and beat your current pricing.
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Banking info
A void check or bank letter for the account where Cashless ATM and ACH funds settle.
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Government ID
Driver's licence or passport from the principal owner.
What happens next
Cashless ATM, ACH, and the regional banks that openly serve cannabis.
US cannabis payment underwriting is more nuanced than Canada because federal Visa and Mastercard policies prohibit cannabis-coded transactions on the card networks. The standard in-store workaround is Cashless ATM — a PIN-debit transaction routed through the ATM rail, which lands a clean bank deposit instead of a card payment. We've been running this stack for licensed adult-use dispensaries, medical operators, Tribal cannabis programs, and CBD and hemp retailers for years.
Approval runs 5 to 10 business days for most US cannabis applications. The bank partner is chosen by your state, your category, and your volume. Compliant states get the most predictable timeline; tribal programs get matched to underwriters who already operate inside tribal jurisdiction. CBD and hemp retailers get a different stack again — full credit and debit acceptance through a more straightforward underwriting path.
Online cannabis is harder than retail. ACH covers most legitimate use cases. We do not recommend, sell, or front for any aggregator or offshore processor that claims to take Visa/Mastercard on cannabis online — that path almost always ends in a frozen account, a MATCH list entry, and lost funds.
Direct support every day with the same team that underwrote your file. If your current US processor is wobbly or has hinted at exiting cannabis, call us first — we have onboarded operators in under 72 hours when their previous processor exited the vertical.
Let's build something
Your success
is our success.
Book a discovery call or speak directly with BPS. Either way you'll talk to a real person. Never wait on hold.