Cannabis Payments
Cannabis Payments is an Independent Sales Organization that connects licensed cannabis and cannabis-adjacent businesses in the United States with compliant PIN debit and ACH payment processing through third-party banking partners.
- Company typePrivate
- Founded2025
- HeadquartersSacramento, United States
- Headcount1–10
- GTM typeB2B
- OfferingServices
What Cannabis Payments does
Cannabis Payments is an Independent Sales Organization (ISO) operating under Infront Payments, LLC, that connects licensed cannabis and cannabis-adjacent businesses in the United States with compliant electronic payment processing. The company does not process payments directly; instead it refers merchants to third-party banks and payment partners that handle underwriting, processing, and ongoing compliance. Founded in 2025 and previously operating as "420 Loans," the company is headquartered in Sacramento, California, and maintains a team of 1-10 employees.
The core product portfolio consists of three solutions: PIN Debit Payments (debit card transactions authenticated by customer PIN at checkout, designed for in-store and delivery), ACH / Pay-by-Bank (bank-to-bank electronic payments for online orders, invoiced transactions, and B2B wholesale flows), and Flexible Payment Workflows (configurable integrated and non-integrated setups that connect to POS systems, websites, or standalone terminals). Each merchant is onboarded through a structured four-step process (Apply, Review, Approval, Go Live) with compliance-first underwriting that assesses licensing, sales channels, and operational models upfront.
The company earns revenue through transaction-based residual income paid by banking and processing partners based on each merchant's processing activity. Go-to-market combines a sales-led direct motion with an online application flow and a Partner Program that pays residual commissions to ISOs, cannabis consultants, POS providers, marketing agencies, and other industry professionals who refer merchants. Pricing is quote-based and not publicly disclosed. Customer segments are predominantly SMBs across the cannabis value chain, including adult-use and medical dispensaries, cultivators, manufacturers and processors, distributors, labs, CBD and hemp businesses, delivery services, online sellers, and ancillary cannabis-adjacent service providers.
Cannabis Payments firmographics
Firmographics- Name
- Cannabis Payments
- Legal name
- Infront Payments, LLC
- Website
- https://cannabispayments.com
- Company type
- Private
- Founded year
- 2025
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Cannabis Payments is an Independent Sales Organization that connects licensed cannabis and cannabis-adjacent businesses in the United States with compliant PIN debit and ACH payment processing through third-party banking partners.
- Ownership category
- akta.pro rank
Where Cannabis Payments is headquartered
LocationHeadquarters
- HQ city
- Sacramento
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Cannabis Payments business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales
Revenue model
- Payment Processing Fees: Cannabis Payments earns revenue through transaction fees charged to merchants for payment processing services. As an ISO, they earn residual income based on merchants' processing activity. The company does not provide banking or payment processing services directly - these are offered by third-party banks and payment partners.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Custom payment solutions based on business type and needs |
Go-to-market motion2 records
Distribution channels2 records
Marketing channels5 records
Cannabis Payments product offering
Product offeringCore offering
Cannabis Payments is an Independent Sales Organization (ISO) that helps licensed cannabis and cannabis-adjacent businesses accept electronic payments through compliant PIN Debit and ACH/Pay-by-Bank payment rails. The company operates a structured four-step onboarding process (Apply, Review, Approval, Go Live) and routes approved merchants to third-party banks and payment partners for actual processing, earning residual transaction fees on merchant activity.
Product overview
Cannabis Payments offers a unified payment processing platform enabling licensed cannabis and cannabis-adjacent businesses to accept electronic payments. The core portfolio consists of PIN Debit Payments and ACH / Pay-by-Bank as the primary payment rails, supported by Flexible Payment Workflows that can be implemented as integrated (connected to POS) or non-integrated (standalone) solutions. The platform serves cannabis retailers, delivery services, ecommerce sellers, and B2B wholesale operations across multiple sales channels including in-store, delivery, and online ordering.
Differentiator
Problem solved
Functional benefit
Products and services
- PIN Debit Payments
Companies that use Cannabis Payments
Customer profileNamed customers10 records
Segments4 records
Ideal customer profiles3 records
Cannabis Payments technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
Cannabis Payments partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered minor and core.
- 420 Propertyminor420 Property is a cannabis real estate and business marketplace. Cannabis Payments links to 420 Property as a resource for operators evaluating opportunities or preparing for acquisition diligence to compare operators and markets by browsing cannabis businesses for sale.
- 420 Equipmentminor420 Equipment is a marketplace for new and used cannabis equipment. Referenced as a resource link on Cannabis Payments website for equipment purchasing needs.
- Biz TraderminorBiz Trader is a business-for-sale platform. Referenced as a resource link for operators looking to buy or sell cannabis-related businesses.
- Third-Party Banks and Payment PartnerscoreCannabis Payments works with third-party banks and payment partners to provide payment processing services. These partners handle the actual payment processing, underwriting decisions, and ongoing requirements. Availability of services varies based on business type, licensing, location, and compliance with applicable laws and partner policies.
- POS Providers and Software PlatformscorePartners in the Cannabis Payments Partner Program that provide point-of-sale systems and software platforms for cannabis retailers. These integrations allow for connected payment processing with automated reporting and reduced manual reconciliation.
Recent moves5 records
Expansion highlights4 records
Cannabis Payments competitors and assessment
Company assessmentDirect peers
- CanPay: A cannabis-focused debit payment app/processor serving licensed dispensaries for in-store transactions. Directly competes with Cannabis Payments' PIN Debit offering for adult-use and medical retail checkout.
- POSaBIT: Cannabis point-of-sale and payments platform offering processing rails (including cashless debit) to dispensaries; comparable integrated-payment competitor for retail and delivery merchants.
- Flowhub: Cannabis retail POS platform with integrated payments and processing components; competes head-to-head with Cannabis Payments' integrated POS payment flows across dispensaries.
- Hypur: Provides cannabis-specific banking, payments, and compliance solutions, including PIN debit and ACH flows, making it a comparable cannabis payments/pay-by-bank provider to Cannabis Payments.
Broad incumbents
- Treez: Established cannabis retail platform providing POS, e-commerce, and payments for multi-store operators. Broader incumbent competing for the same multi-location dispensary merchants Cannabis Payments targets.
- Dutchie: Large cannabis e-commerce and payments platform powering online ordering, pickup, and delivery for dispensaries. Broad incumbent overlapping Cannabis Payments' online ordering and pay-by-bank use cases.
- Weedmaps: Major cannabis marketplace and merchant solutions platform with adjacent POS and payment offerings. A broad ecosystem incumbent whose payment-adjacent products compete for merchant mind-share with Cannabis Payments.
Emerging players
- Greenbox POS: Cannabis POS provider with integrated payments and cashless checkout functionality, comparable to Cannabis Payments' integrated payment solution for dispensaries.
- iHeartJane / Jane Technologies: Cannabis e-commerce and online ordering platform with integrated payments for retail and delivery; comparable to Cannabis Payments' online-ordering and ACH/pay-by-bank ecommerce workflows.
- PayQwick: Cannabis payments platform providing cashless debit and ACH-style rails to licensed operators; an emerging direct competitor in the same cashless-payment space as Cannabis Payments.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
Cannabis Payments social profiles
Digital presenceCannabis Payments financial estimates
Financial estimateRevenue estimate
Valuation estimate
Cannabis Payments leadership team
Management profileNumber of profiles
Profiles1 record
Cannabis Payments funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Cannabis Payments M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Cannabis Payments
What does Cannabis Payments do?
Cannabis Payments is an Independent Sales Organization (ISO) that helps licensed cannabis and cannabis-adjacent businesses accept electronic payments through compliant PIN Debit and ACH/Pay-by-Bank payment rails. The company operates a structured four-step onboarding process (Apply, Review, Approval, Go Live) and routes approved merchants to third-party banks and payment partners for actual processing, earning residual transaction fees on merchant activity.
Is Cannabis Payments a public or private company?
Cannabis Payments is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Cannabis Payments founded?
Cannabis Payments was founded in 2025. It employs 1 to 10 people.
Where is Cannabis Payments based?
Cannabis Payments is headquartered in Sacramento, United States, in the North America region.
How does Cannabis Payments make money?
One revenue line is on record: payment Processing Fees.
Who are Cannabis Payments's main competitors?
Direct peers on record are CanPay, POSaBIT, Flowhub and Hypur. Broad incumbents are Treez, Dutchie and Weedmaps. Emerging players are Greenbox POS, iHeartJane / Jane Technologies and PayQwick.
Does Cannabis Payments have an API?
No public API is recorded for Cannabis Payments.