Cashless cannabis payments for dispensaries

Start accepting PIN-based card payments at the point of sale — whether it's in-store, curbside, or delivery.

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Why Flowhub Payments?

Flowhub's cannabis payment processing solution allows dispensaries to process debit cards through a cashless ATM terminal that's integrated with your point-of-sale system.

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Eliminate cash liability

Free your dispensary operation from cash security and safety risks with safe, secure, compliant card payment processing.

Speed up transactions

Modernize the customer experience by offering a seamless, convenient way to pay and accelerate transactions by 15%.

Increase revenue 30%

Increase customer spend up to 30% on every transaction and overall revenue by 22% when you graduate from a cash-only environment.

Here's how it works

  • 1

    Flowhub Payments do not include any processing fees or operating costs. All you need is hardware and a checking account.

  • 2

    The customer pays a small $3.50 convenience fee per approved transaction. You can accept any card with a cash advance PIN.

  • 3

    You will receive electronic settlement deposits directly to your business checking account within 24 hours.

Z11 instore

Pricing for Retail

  • $200 per countertop terminal (50% discount from $395)
  • $10 per month maintenance fee
  • $100 one-time set up fee (per terminal)
  • $20 shipping
Z9 delivery

Pricing for Delivery

  • $225 per cellular terminal (50% discount from $450)
  • $10 per month maintenance fee
  • $35 per month cellular fee
  • $100 one-time set up fee (per terminal)
  • $20 shipping

$3.50 customer transaction fee (no transaction fees for the dispensary)

$25 monthly compliance fee per store

$100 annual PCI fee

Frequently Asked Questions

What if I do not have a bank account?

We are only able to set you up with our processing solution once you have secured a bank (business checking) account. We have processing partners that specialize in providing banking services for marijuana retail dispensaries. However, there are often high fees to obtain a checking account through our partners.

We recommend that you start with local banks or credit unions for a checking account. If you would like to learn more about how to open a checking account through one of our partners, we are happy to make an introduction.

Can my customer use a credit card to pay?

Yes. Your customer can use a credit card with PIN number like a cash advance. Please be advised that the customer's bank might charge them additional fees for using cash advance on their credit card depending on the type of credit card and terms they have with with their bank.

How do I record cashless ATM transactions in my POS system?

Cashless ATM transactions must be completed in $5 increments ($5, $10, etc). For example, if the sales order is for $98.25, you would run a cashless ATM transaction for $100, then enter into your POS that you received $100 in debit card payment for the sales order and issue $1.75 in cash to the customer. The cash drawer will dispense $1.75 change in cash as the POS system prompts it to do so.

What if my customers are uncomfortable paying a fee to process the transaction?

Your customer is paying the same fee should they have used a standalone ATM. The goal of cashless ATM is to limit the amount of cash passed between your employees and the consumer by providing a streamlined process that consumer is familiar with while eliminating cash handling entirely.

Will my customers be charged an additional fee for doing an out of network ATM withdrawal?

This is only applicable to specific banks that charge this fee. While the cashless ATM is not from a specific bank, the consumer would be the only one aware of this fee and it would only occur on a card by card basis.

Do I receive a portion of the surcharge fee collected from my customers?

No. 100% of customer surcharge fees are paid to the processor as the cost of utilizing this solution.

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Ready to start accepting card payments at your dispensary?

Open up your revenue stream with Flowhub payment processing today!

Request a demo