As cannabis delivery services grow throughout New Jersey, so do the options for how customers can pay for their orders. However, due to federal banking restrictions and evolving state regulations, not all common online payment methods are available. Here’s a breakdown of what New Jersey delivery customers can expect when it comes to paying for their cannabis purchases.
Accepted Payment Methods
- Cash on Delivery
Cash remains one of the most commonly accepted forms of payment for cannabis deliveries in New Jersey. Many dispensaries require or strongly prefer cash transactions, as it avoids the regulatory hurdles posed by traditional banking systems. Drivers typically carry a limited amount of change and are trained to handle cash securely.
- Debit Card via Point-of-Banking
While credit card processing is still restricted, debit cards may be accepted using a workaround called point-of-banking (POB). This system allows the transaction to be processed much like an ATM withdrawal, where the total amount is rounded to the nearest five dollars, and customers may receive change in cash. This option is increasingly available for in-person deliveries but not always for pre-payment online.
- ACH Bank Transfers and Digital Wallets
Some dispensaries now offer more modern digital payment options like Automated Clearing House (ACH) bank transfers. ACH payments allow customers to securely pay for orders by linking their bank account through a third-party cannabis-compliant processor. Digital wallet options linked to banks are sometimes accepted, depending on the provider. These services are gaining popularity due to their convenience and compliance with cannabis-specific banking laws.
- Integrated Online Payment Systems
Select dispensaries have adopted online ordering systems that integrate compliant payment processors directly into the checkout process. These allow customers to pay ahead of time using verified systems that link with their bank accounts. This method provides added convenience and security, especially for frequent users of delivery services.
Restricted or Unavailable Payment Methods
Credit Cards
Despite being a preferred method for many consumers, credit card payments are not permitted for cannabis purchases in New Jersey—or any state—due to federal law. Cannabis remains classified as a Schedule I substance, and most major credit card issuers prohibit transactions related to cannabis to avoid federal scrutiny and legal issues.
Peer-to-Peer Payment Apps
Popular digital apps like Venmo, PayPal, and Cash App do not currently support cannabis transactions. These companies often have terms of service that explicitly ban payments for regulated substances, including marijuana, even if the transaction is legal under state law. Using these apps for cannabis purchases can result in account suspensions or reversals.
Final Thoughts
While New Jersey’s cannabis delivery services have evolved to offer greater convenience, payment options are still somewhat limited by federal restrictions. Cash and debit remain the most common choices, with ACH and integrated online systems slowly gaining ground. Customers should always check with the delivery provider ahead of time to confirm which payment methods are accepted to avoid delays or cancellations.