ACH and eCheck for cannabis ancillary service providers: a second payment rail

Bank payments give cannabis ancillary service providers a lower-cost option for larger tickets and a backup if card processing is reviewed. ACH has its own risk rules, including return-rate limits under Nacha, so it is underwritten separately.
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Free 30-minute consultation. Review your setup, compare options and leave with clear next steps.
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Transfer initiated

$667.00 · ref ACH-7731

Payment solutions for cannabis ancillary services

How each solution supports cannabis ancillary services

See what each option adds to the way your business takes and tracks payments.

High-Risk Merchant Account

For cannabis ancillary services: Present your model for permitted ancillary goods and business services to specialist processing partners, with product and fulfillment documentation prepared. Roots Payments places cannabis ancillary service providers with acquiring banks and processors that knowingly underwrite software, consulting, security, packaging, and staffing for licensed operators, so the account is built to last instead of flagged after the first review. We work with virtually any legal business, subject to underwriting; pricing, limits, and terms depend on the acquirer's review. Reserves may apply, and any reserve is disclosed in your agreement before you sign.
  • Pre-underwriting review of your website, checkout, and documents (client list, contracts, and proof you don't touch the plant)
  • Application packaged and submitted only to acquirers with appetite for your category
  • Plain-English walkthrough of pricing, reserve, and termination terms before you sign
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ACH Payments

For cannabis ancillary services: Offer bank-account payments for permitted ancillary goods and business services, with authorization and invoice matching built into the workflow. Bank payments give cannabis ancillary service providers a lower-cost option for larger tickets and a backup if card processing is reviewed. ACH has its own risk rules, including return-rate limits under Nacha, so it is underwritten separately.
  • ACH underwriting alongside your card account
  • Authorization language and receipt templates
  • Integration into invoices, checkout, or your CRM
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Transfer initiated

$667.00 · ref ACH-7731

Recurring Billing

For cannabis ancillary services: Schedule and manage payments for ancillary service contracts and recurring supply orders, including renewals and customer account balances. Recurring charges are a leading dispute source for cannabis ancillary service providers when customers forget or can't cancel. Roots sets up billing with express consent capture, renewal reminders, simple online cancellation, and account-updater services, in line with ROSCA and state automatic-renewal laws.
  • Review of offer terms and checkout disclosures against ROSCA and state automatic-renewal laws
  • Billing platform setup and gateway integration
  • Descriptor and receipt design that customers recognize
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Text to Pay

For cannabis ancillary services: Send a payment request for permitted ancillary goods and business services by text so customers can pay against a specific order or invoice. Keying card numbers from phone calls is costly and dispute-prone for cannabis ancillary service providers. Text-to-pay sends a secure link so the customer enters their own card, with 3-D Secure and a stored consent record.
  • SMS opt-in and TCPA-aware messaging setup
  • Template copy for links and receipts
  • Integration with your CRM or case system
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Level 2/3 Processing

For cannabis ancillary services: Include purchase-order references and itemized invoice data for business-card purchases of permitted ancillary goods and business services. When retailers pay cannabis ancillary service providers with corporate or purchasing cards, passing Level 2 and Level 3 line-item data can qualify eligible transactions for lower interchange. Roots sets it up on an account approved for your category.
  • Data mapping from your ERP or invoicing
  • Interchange review after launch
  • Ongoing support
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Crypto Payments & Conversion

For cannabis ancillary services: Plan a digital-asset payment option for permitted ancillary goods and business services, with conversion and reconciliation mapped to the sale. Crypto gives cannabis ancillary service providers another way to get paid when card options are limited. Customers pay in supported digital assets and you can receive U.S. dollars. Crypto conversion is provided through service partners coordinated by Roots. Roots Payments is not a bank, money transmitter, or crypto exchange.
  • Introduction and onboarding support with our service partners
  • Checkout placement alongside card and ACH options
  • Customer-facing FAQ copy
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ACH Payments questions

Questions grow supply store merchants ask about approval.
ACH lets customers pay from a bank account. Roots helps set up authorization, payment collection and reconciliation through a processing partner.
Yes. We can plan one-time and recurring bank-account payments, including authorization records, failed-payment handling and customer receipts.
Bring your billing schedule, bank-payment authorizations and reconciliation process. Roots uses these details to plan the workflow for cannabis ancillary services and prepare a clear setup scope.
Request a quote for your business and the setup you need. We review the scope and costs with you before you proceed. Consultations and payment reviews are free.

Ready to talk it through?

Book a free 30-minute review. We’ll map your setup, explain the options and work through clear next steps.
Talk to a grow supply store payments specialistAll cannabis ancillary services solutions