Compliant payments for cannabis, built to keep the register open.
Dispensaries, delivery and ancillary brands get high-approval processing with redundancy that keeps sales flowing even when a path goes down.
- approval & live rate
- 90%+
- typical approval
- 24hr
- checkout uptime
- 99.9%
approval & live rate
typical approval
checkout uptime
The problem with generalist processors
- Frozen accounts and sudden shutdowns from generalist processors
- Cash-heavy operations that slow growth and add risk
- Compliance demands that shift by state and program
How Spectrum solves it
- High approval rates for licensed operators
- Redundant routing so a single outage never stops checkout
- In-store, delivery and online acceptance under one relationship
From application to live Cannabis payments
A path built for a category most processors refuse — fast, compliant, and made to stay on.
Tell us about your business
Share the essentials in minutes. No endless forms — just what underwriting actually needs to move fast.
We underwrite for your category
Specialists who know this vertical build your approval and map redundant routing so a single outage never stops checkout.
Go live and stay live
Accept payments online and in person with settlement you can plan around — and paths that keep your good sales flowing.
See your Cannabis approval odds
Three quick answers for an instant estimate — then a real plan from a specialist.
Estimate your approval odds
Three quick answers. No credit pull, no commitment.
Cannabis payment questions, answered
Can I get a cannabis merchant account if other processors declined me?
Yes. Cannabis is exactly the kind of business we specialize in. Where generalist processors and aggregators refuse or freeze accounts, we underwrite for the category and target a 90%+ approval-and-live rate for qualified operators.
Will my payments keep working if a processing path goes down?
That is the point of how we set you up. Redundant routing means if one path has an issue, your checkout automatically stays live on another — so your cannabis sales keep flowing instead of going dark.
Can I accept payments online and in person?
Yes. You can take cannabis payments online, on subscription, and in person under one relationship, plus modern options like Apple Pay, Google Pay and more where they fit your customers.
How fast can a cannabis account go live?
Most qualified merchants are approved fast — typical turnaround is around 24 hours once we have your details. A specialist maps the fastest compliant path to live payments for your business.
Guides for Cannabis merchants
- Industry GuidesCannabis Payment Processing: Solutions for a $33.6 Billion IndustryLegal cannabis is a $33.6 billion market where most transactions are still cash. The hidden costs of cash-only, the compliant electronic options, and how to implement them.Read the guide
- Industry GuidesCannabis-Adjacent and Dispensary Payment ProcessingA complex, fast-evolving regulatory landscape makes cannabis-related commerce uniquely challenging. Here is how to approach it.Read the guide
- Industry GuidesCannabis Payment Processing: Compliant Solutions for a High-Risk IndustryA concise briefing on compliant cannabis payments: why the category is high-risk, the electronic options that keep you compliant, and the habits that keep the account stable.Read the guide
- Industry GuidesHow to Accept Credit Cards at Your Dispensary (Legally)Cannabis is legal in your state but not federally, which complicates card acceptance. The compliant electronic payment options for dispensaries — and the red flags to avoid.Read the guide
We process virtually everything high-risk
Get your Cannabis account approved
Tell us about your business. A specialist will map the fastest path to live payments.