PAY BY BANK

The Most Reliable Payment in Cannabis

Turn checkout into your most reliable growth engine. Customers spend more, orders are completed more often, and your staff spends less time handling cash and more time moving your business forward. Pay by Bank is safe, compliant, and built into Dutchie, giving you faster transactions, happier employees, and more profitable orders both online and in-store.

By the numbers

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.

Make More Money

31%

higher average order value on Pay by Bank vs. cash

Retain More Customers

60%

60% return monthly after their first Pay by Bank purchase

Reduce “No Show” Losses

57%

fewer cancellations with pre-paid orders

Unlock a Growing Consumer Base

1.5M+

enrolled Pay by Bank shoppers (>320K+ monthly active)

Improve Budtender Retention

$25K+

in annual tips per location driven by Pay by Bank

Protect Every Transaction

0%

chargeback liability and next-day settlement

Why Retailers Choose Pay by Bank

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.

Make Checkout Effortless

Pay by Bank makes payment frictionless across every touchpoint. No fumbling for cash. No waiting in line. Just a smooth, modern checkout that keeps customers coming back.

Safe, Compliant, and Trusted

Powered by Plaid, trusted by 12,000 banks and one in three U.S. adults. Already proven by over one million cannabis shoppers, Pay by Bank is safe for customers and compliant for regulators.

Faster, More Reliable Operations

Cash slows your store down. Eliminate cash handling, reconciliation, and errors. With digital settlement, POS syncing, and guaranteed transactions, your staff can focus on serving customers, not fixing problems.

Complete More Orders, Build More Loyalty

Pay by Bank confirms payment before pickup, which means fewer abandoned and cancelled orders. Customers who use it are 60% more likely to return monthly and place 57% more repeat orders. That creates a base of loyal, high-value shoppers who drive consistent revenue.

The checkout process is faster and more efficient with Pay by Bank. Instead of telling the customer the order total, counting out change, or pulling out a terminal for a debit transaction, we just verify their ID and hand them their bag. It’s so simple.”

Rair Cannabis

CCO, Ascend Wellness

One Consistent Consumer Experience

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.

At the Kiosk

Customers log in, see their loyalty points, and pay instantly with Pay by Bank. Checkout is quick and customers simply pick up their order.

On Ecommerce Pro

Shoppers complete their order online with Pay by Bank and know their purchase is guaranteed. That means fewer abandoned carts and higher order values

In the Branded Mobile App

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.

At the Register

Budtenders simply verify ID and hand over the order. No counting change and no terminal required. It is faster for staff, more secure for the store, and easier for customers.

ALPHA

Shopping Online

Customers can see their rewards in real time, apply them during checkout, and unlock personalized offers directly while browsing your website.

ALPHA

In-Store Kiosks

At kiosks, shoppers log in, view their rewards, and redeem them instantly as part of a fast, self-service checkout flow.

Shopping Online

Customers can see their rewards in real time, apply them during checkout, and unlock personalized offers directly while browsing your website.

In-Store Kiosks

At kiosks, shoppers log in, view their rewards, and redeem them instantly as part of a fast, self-service checkout flow.

Your Branded Mobile App

Your branded mobile app puts loyalty in every customer’s pocket. Shoppers can track their points, receive personalized notifications, and redeem rewards from anywhere.

At the Register With Digital Wallets

Loyalty Passes live in your customer’s mobile wallet, combining rewards and saved payments so they can redeem points and pay with a single tap.

If you want peace of mind, having everything in one ecosystem is the way to go. The cannabis industry is so new, and having Dutchie as our all-in-one system has made a huge difference.”

Strain Stars

CCO, Ascend Wellness

Trusted by 6500+ dispensaries.

OUR CUSTOMERS

We power the industry’s leading retailers and brands.

How it works

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.

One-Time Sign-Up

Shoppers securely connect their bank account with Plaid in under a minute.

Seamless Checkout

At your dispensary, kiosk, mobile app, or Ecommerce 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. Dutchie has never missed a payment.

Automatic Reporting

Every payment syncs to Dutchie POS so managers get accurate, compliant reporting without reconciliation headaches.

Features That Keep Customers Coming Back

features

Social Sign-On

With Google and Apple log in, shoppers complete more checkouts, spend more, and turn sign-in into loyalty.

Features

Integrated Tipping

Tipping is built in. Customers add more, staff earn more, and service improves.

Features

Automated Reporting

Cash counts are replaced with real-time data. Every Pay by Bank transaction syncs into Dutchie POS automatically.

Features

Digital Wallet Pass

Customers save a Dutchie loyalty pass in Apple or Google Wallet. Points are always visible and checkout is as easy as scanning a phone.

Features

Social Sign-On

With Google and Apple log in, shoppers complete more checkouts, spend more, and turn sign-in into loyalty.

Features

Integrated Tipping

Tipping is built in. Customers add more, staff earn more, and service improves.

Features

Automated Reporting

Cash counts are replaced with real-time data. Every Pay by Bank transaction syncs into Dutchie POS automatically.

Features

Digital Wallet Pass

Customers save a Dutchie loyalty pass in Apple or Google Wallet. Points are always visible and checkout is as easy as scanning a phone.

Schedule a demo and one of our cannabis retail experts will reach out for a 1:1 to help you choose the right tools for your cannabis business. Our full suite of products simplifies operations for retailers, cultivators, & brands of any size.

Technology and service that grows with you.

40+

Markets served

6.5k+

Retail & Brand partners

$19B

Cannabis sales
processed annually