{"id":35118,"date":"2024-06-13T08:00:44","date_gmt":"2024-06-13T12:00:44","guid":{"rendered":"https:\/\/www.veriheal.com\/blog\/?p=35118"},"modified":"2025-09-25T04:31:55","modified_gmt":"2025-09-25T08:31:55","slug":"can-you-buy-weed-with-a-credit-card","status":"publish","type":"post","link":"https:\/\/www.veriheal.com\/blog\/can-you-buy-weed-with-a-credit-card\/","title":{"rendered":"Can You Buy Weed With A Credit Card?"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Have you ever gone to a dispensary and been given cash back after paying with your card? Weird, right? Well, it\u2019s not the dispensary\u2019s fault.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">We\u2019re in an interesting spot right now, with federal laws and state laws clashing against each other&#8211;and one of the results of that clash is that buying weed with a credit card is a complicated subject.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Cannabis dispensaries are between a rock and a hard place when it comes to processing payments. The major payment networks won\u2019t allow cannabis sales through their networks because the plant is still federally illegal, so dispensaries need to find loopholes and workarounds.<\/span><\/p>\n<p>Fortunately, they have. Read on as we explore the various alternatives to traditional credit card payments.<\/p>\n<h2><strong>Can You Buy Weed With a Credit Card?<\/strong><\/h2>\n<p><span style=\"font-weight: 400;\">Whether or not you can buy weed with a credit card depends on the dispensary and their payment processing system.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If your dispensary uses one of the four major payment networks, you can\u2019t use a credit card. However, credit cards are an option if the dispensary uses third-party payment networks. They may also offer credit cards that are specifically for cannabis, or a dispensary-dependent credit card.<\/span><\/p>\n<h2><strong>Payment Networks<\/strong><\/h2>\n<p><span style=\"font-weight: 400;\">Every time you use a credit card, it\u2019s processed through a payment network. The most popular of these includes:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">American Express<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Discover<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Mastercard<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Visa<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">The payment network alerts your bank of the purchase, which then charges you.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">According to <\/span><a href=\"https:\/\/www.denverpost.com\/2024\/01\/30\/online-payment-processing-marijuana-dispensaries-colorado-credit-card\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">The Denver Post<\/span><\/a><span style=\"font-weight: 400;\">, a policy expert named Mason Tvert explained that payment networks are worried about getting clocked for \u201canti-money laundering laws\u201d by the federal government.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">While being a pain for consumers, this fact also squashes potential loans and credit lines for up-and-coming cannabis brands- which no doubt helps sustain the <\/span><a href=\"https:\/\/www.ncbi.nlm.nih.gov\/pmc\/articles\/PMC10212236\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">racial disparities in the cannabis industry<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\"><strong>Workarounds<\/strong>\u00a0<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The majority of cannabis sales still have to be cash or debit. However, dispensaries can use other payment processors, cannabis credit cards, and cashless ATMs to skirt the rules.<\/span><\/p>\n<h3><strong>Other Payment Processors<\/strong><\/h3>\n<p><span style=\"font-weight: 400;\">Payment processors besides the main four sometimes allow cannabis sales. Dispensaries opt for third-party payment processors whenever possible so that customers can pay with credit cards like they\u2019re used to.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Unfortunately, third-party payment processors often have higher fees, which costs dispensaries extra money along with being one of the main reasons that not all dispensaries offer this option.<\/span><\/p>\n<h3><strong>Credit Cards for Cannabis<\/strong><\/h3>\n<p><span style=\"font-weight: 400;\">Some credit card companies have seen the gap in the market and stepped up, like SuperNet. SuperNet works with dispensaries and lets them use their cards and payment network.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">On the other hand, some dispensaries offer dispensary-specific credit cards. Not every dispensary has these, but you can ask your local dispensary if this is an option to find out more.\u00a0<\/span><\/p>\n<h3><strong>Cashless ATMs<\/strong><\/h3>\n<p><span style=\"font-weight: 400;\">What\u2019s a cashless ATM? The Denver Post explains:<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u201cThe small, handheld terminal circumvents the need for buyers to withdraw cash to hand the seller, but transactions are different from traditional debit purchases because they don\u2019t charge the exact basket amount. A cashless ATM rounds up to the nearest five dollars and customers normally get some change back.\u201d<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Cashless ATMs are one of the most popular ways to pay at dispensaries.<\/span><\/p>\n<h2><strong>Evolution of the Law<\/strong><\/h2>\n<p><span style=\"font-weight: 400;\">Colorado <\/span><a href=\"https:\/\/leg.colorado.gov\/bills\/hb23-1279\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">passed a bill in 2023<\/span><\/a><span style=\"font-weight: 400;\"> that lets dispensaries accept payments online. Before this, customers were able to put together shopping carts of products but had to pay in person upon pickup.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">During the height of the pandemic, an emergency order was passed to allow online payments to keep things contactless. However, when the pandemic was declared \u201cofficially over,&#8221; the order was reversed.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">With the DEA planning to <\/span><a href=\"https:\/\/www.veriheal.com\/news\/biden-administration-formally-announces-official-cannabis-rescheduling-move\/\"><span style=\"font-weight: 400;\">reschedule cannabis<\/span><\/a><span style=\"font-weight: 400;\"> from Schedule I to Schedule III, new possibilities may arise&#8211;although it seems unlikely. A brief put out by the Congressional Research Service states:<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u201cMoving marijuana from Schedule I to Schedule III would allow marijuana businesses to deduct business expenses on federal tax filings. Other collateral legal consequences would continue to attach to unauthorized marijuana-related activities.\u201d<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For now, it seems that buying cannabis with credit cards will count as an \u201cunauthorized\u201d activity, but we\u2019ll just have to wait and see if this changes post-rescheduling.\u00a0<\/span><\/p>\n<h2><strong>Final Thoughts<\/strong><\/h2>\n<p><span style=\"font-weight: 400;\">To summarize, the answer to \u201cCan you buy weed with a credit card?\u201d is sometimes. It depends on the system the dispensary is using&#8211;third-party processing, cannabis credit cards, or cashless ATMs.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Federal and state laws are butting heads, and one of the strange results is that credit cards are a contested subject.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Hopefully, the federal government will catch up with the public\u2019s embrace of cannabis and move from rescheduling to descheduling, allowing cannabis to be sold like any other legal substance. With the hard work of cannabis advocates, this day will come&#8211;it\u2019s just a matter of when.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Have you ever gone to a dispensary and been given cash back after paying with your card? Weird, right? Well, it\u2019s not the dispensary\u2019s fault. We\u2019re in an interesting spot right now, with federal laws and state laws clashing against each other&#8211;and one of the results of that clash is that buying weed with a&#8230;<\/p>\n","protected":false},"author":112,"featured_media":35181,"parent":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[15362],"tags":[16587,16588,16584,16586,76,16589,16590,16585],"class_list":["post-35118","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-guides","tag-buying-cannabis","tag-buying-cannabis-with-a-credit-card","tag-can-you-buy-weed-with-a-credit-card","tag-cannabis-credit-card","tag-dispensaries","tag-how-to-buy-cannabis","tag-how-to-buy-weed","tag-weed-credit-card"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.1 (Yoast SEO v26.1.1) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Can 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