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If you are a new or existing Recreational & Medical Cannabis Dispensary looking for payment processing, HMS Payments is the perfect solution.  We offer reliable payment processing services for Recreational & Medical Cannabis Dispensaries with US Banks. A great option for all Dispensaries including Ecommerce, wholesale, distributors, manufacturers and retail locations.  With an experienced background in the financing and processing industries, HMS Payments is bringing our proven expertise to this young frontier of cannabis payment processing. 


As trailblazers in merchant payment processing, we want to see your business grow just like you. 


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Our all-star account representatives can work directly with you to aid in the preparation of the Merchant Bank’s credit card payment processing underwriting process.  We take into account all of your business specifications and determine how best to present your documents and information to underwriting, while still focusing on transparency and remaining compliant at all stages of the application process and beyond.  We will guide you through all of the requirements step-by-step. 

HMS Payments can provide knowledgeable advice to get your account approved.  We get can your account up and running within five business days, and take great pleasure in being a part of this industry's rapid growth!


Payment Processing


While Marijuana is still not legal at the federal level, it has now become legal in many states.  Federal legislation does not currently allow merchant banks to provide credit card processing solutions for this industry, however our banking partners are forward-thinking and strong advocates for the cannabis industry.  These banks have assumed the risk of underwriting these transactions, and are thus currently accepting cannabis merchant processing applications.

What does this mean?  While banks are not allowed to facilitate card transactions for cannabis, the merchant itself is not prohibited by federal law. As long as you, a cannabis dispensary merchant, fully discloses its business in your Merchant Processing Application to our banking partners and operates in a manner that is consistent with state regulation, you are not at risk, and neither are your funds.   

HMSpayments is different than the rest.  With a collective 20 years+ payment processing and financial regulatory experience, HMS has the network, know-how and more importantly, the answer to all cannabis dispensary merchant payment processing needs.  With HMS suite of merchant service product, including multiple payment processing solutions, no HMS merchant client will ever be left out in the cold as a result of a processor’s decision to cease offering credit card payment processing to industry participants.  During client onboarding, HMS will assess your marijuana business’ needs, and recommend one or more payment processing solutions, holding at least one additional solution as a failsafe in case a merchant’s chosen primary solution is compromised. 

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Credit Card Payment
Processing Solutions

Fast Approvals
Our approval process is among the quickest in the industry!  By next week you can be processing with HMS Payments. 

Simple Application Process
Our dedicated service professions can help provide insight into submitting a proper and complete application package to underwriting.  

High Risk Approvals
Sometimes businesses are labelled high risk because of how new they are, or their percentage of chargeback disputes is relatively high.  Not for HMS Payments!  Our Cannabis Merchant Processing is proven and efficient. 

Low Fees
HMS is an industry cost leader.  HMS recognizes the value of long-term relationships thus we keep our fees low to keep you as a customer.  If HMS identifies cost-saving solutions, those cost saving solutions are passed on to our merchant clients! 

24 Hour Settlement
Credit card payments are settled once a day at a time of your choosing.  Once the funds are settled, they will post to your Merchant bank account within one business day. 

All Major Credit Cards Accepted
All HMS credit card processing solutions accept all major credit cards, including Visa, MasterCard, American Express and Discover.

Multiple Processing Solutions
HMS provides its merchant customers with multiple merchant processing options and recommends that its merchants apply for more than one solution, always keeping one solution as a failsafe in the rare instance that the primary credit card processing solution becomes unavailable. 

Instant eCheck Verification Servicers
HMS also provides instant ACH verification and funding.  Never have an ACH payment returned for insufficient funds.  HMS’s solution instantly verifies that there are enough funds to cover an electronic ACH transfer, immediately debiting the payer account and funding the Cannabis Merchant bank account within seconds. 

No Hidden Fees
What you see is what you get.  New cannabis dispensry merchant account applicants will receive an all-inclusive quote on fees, which are based on transaction amount.  Never be charged a hidden fee again with HMS payment processing solutions. 

Secure Processing
Our tried and proven processing gives you the confidence you need to do business safe and efficiently. 

Creative Solutions
Our representatives can not only solve existing problems inhibiting your business, but we can even identify them before they exist!



HMS Payments provides financing in various capacities to help grow your cannabis business.  Our goal is to provide more manageable financing solutions, especially to business owners who have been deterred by outrageous quotes in the past.  We don't view cannabis as high risk, we view it as high reward.  As champions of the industry, we take pride in providing creative financing solutions to best fit your needs. 

Financing Offerings 
Credit Card Splits - Business financing structured with a variable payment as a holdback percentage of credit card processing batch. For instance, if we structure an allocation for $100,000 at 10% the total payback is $110,000, which would be paid back by taking 10% of the credit card receivables.  This is ideal for companies with heavy seasonality because in the slower months the obligation reflects a smaller dollar amount in regards to the payment.  

Business Line of Credit – True simple interest APR revolving line of credit. Draw up to the max credit line whenever you want.  Pre-pay whenever you want with no fees to save BIG on interest.  True revolver – every payment replenishes your available capital for your next draw. Only pay interest on outstanding balance.  

Short Term Working Capital Allocation - When you're in a bind, we can provide a quick influx of capital within 24 hours.  Terms are typically 6 - 18 months, 100% uncollateralized with no real estate assets required.  A great solution to meet a purchase order or get a piece of equipment needed to grow a business.

Real Estate Financing - Get cash out by refinancing your current asset or get a loan for a purchase.  Optimum flexibility for bridge and rental financing.  30-Year, Fixed-Rate, Fully Amortized Term.  No Borrower Debt-to-Income.   Up to 80% LTV.  Low credit accepted.  Loan amounts as low as $50,000.  No limitations on portfolio size.  Can provide 100% construction & development loans.  

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