Cannabis ACH payments that maximize every transaction
With Pay by Bank, customers spend more, shop more frequently, and cancel fewer orders. Consumers can use Pay by Bank both online and in-store, giving you faster checkouts, no chargebacks, and next-day settlements.
Increase revenue, reduce hassles
Pay by Bank is built into Dutchie. Payments, loyalty, discounts, and marketing all work together in one system. No extra vendors and no additional integrations. Just one platform that makes your dispensary easier to run and more profitable to grow. It is part of Dutchie Payments.
Give consumers the payments they want and trust
Pay by Bank reaches a fast-growing base of cannabis shoppers, keeps them coming back, and works everywhere they buy.
Unlock a growing consumer base
Pay by Bank customers, and growing.
Retain more customers
Of customers return monthly after their first Pay by Bank purchase.
Accessible to everyone
Supported banks.
Engage customers everywhere
Coverage across delivery, e-commerce, mobile app, kiosk, and the register.
One consistent consumer experience across every channel
Pay by Bank is built into Dutchie. Payments, loyalty, discounts, and marketing all work together in one system. No extra vendors and no additional integrations. Just one platform that makes your dispensary easier to run and more profitable to grow.
Self-service checkout
Customers log in, see their loyalty points, and pay instantly with Pay by Bank. Checkout is quick and customers simply pick up their order.
Guaranteed online orders
Shoppers complete their order online with Pay by Bank and know their purchase is guaranteed. That means fewer abandoned carts and higher order values. Explore E-Commerce.
Rewards in their pocket
Customers save a Dutchie loyalty pass to Apple or Google Wallet. They track rewards in real time and scan to pay with Pay by Bank. It is the same smooth checkout they expect from their favorite coffee shop. Explore the Mobile App.
Faster, cashless checkout
Budtenders simply verify IDs and hand over the orders. No counting change and no terminal required. It is faster for staff, more secure for the store, and easier for customers.
How it works
Pay by Bank is built into Dutchie. Payments, loyalty, discounts, and marketing all work together in one system, with no extra vendors and no additional integrations.
One-time sign-up
Shoppers securely connect their bank account in under a minute.
Seamless checkout
At your POS, kiosk, mobile app, or E-Commerce Pro site, customers pay instantly without cash, cards, or ATM trips.
Instant confirmation
Orders are verified in real time. Funds move directly from the customer's account through ACH, which reduces fraud and eliminates card-network risks.
Guaranteed transactions
Every order is paid in full. No chargebacks, no risk, and no lost margin. Dutchie assumes the risk so you keep the profit.
Fast, predictable settlement
Transactions batch at the end of each day and settle the next business day.
Automatic reporting
Every payment syncs to Dutchie POS so managers get accurate, compliant reporting without reconciliation headaches.
Features that keep customers coming back
Social sign-on
Customers can log in instantly with their Apple or Google accounts, which makes checkouts faster, increases completed orders, and builds richer profiles that fuel personalization and loyalty.
Integrated tipping
Tipping is built directly into checkout. Customers tip more often and in higher amounts which drives better service and more than $25,000 in additional staff income per rooftop each year.
Automated reporting
Cash counts are replaced with real-time data. Every Pay by Bank transaction syncs into Dutchie POS automatically.
Digital wallet pass
Customers can save a Dutchie loyalty pass in their Apple or Google Wallet to see loyalty points and rewards in real-time and pay simply by scanning their phone.
Pay by Bank, answered
What is Pay by Bank for cannabis?
Pay by Bank is a cashless way to pay for cannabis using a direct bank-to-bank ACH transfer instead of cash or cards. Shoppers link their bank account once, then check out in a tap online or in-store, while dispensaries get guaranteed, next-day-settled payments built into Dutchie.
How does cannabis ACH payment work?
At checkout the customer authorizes a payment from their linked bank account. The order is verified in real time and funds move directly through the ACH network, which avoids card-network fees and chargeback risk.
Is Pay by Bank secure?
Yes. Bank connections are handled securely, so dispensaries never see or store bank credentials, and accepting payments digitally keeps less cash on site. Because funds move bank-to-bank, there is no card data to breach.
What about chargebacks and getting paid?
Every Pay by Bank order is paid in full with 100% chargeback liability coverage, and Dutchie assumes the risk so you keep the margin.
Which banks and channels are supported?
Pay by Bank supports more than 12,000 banks and works everywhere your customers shop: e-commerce, the branded mobile app, in-store kiosks, delivery, and the register, all with one consistent checkout.
Ready to offer Pay by Bank?
See how cashless ACH payments grow average order value, take chargebacks off the table, and settle next day, all inside the Dutchie platform you already run.
