Cannabis Payments

ACH Services for Cannabis & Marijuana-Related Businesses (MRB)

Cannabis Payments Made Compliant

NatPay is proud to offer secure and compliant ACH payment services for licensed Cannabis and Marijuana-Related Businesses (MRBs). We understand the unique regulatory landscape in this space and are committed to supporting our partners with transparency, safety, and compliance at every step.

Compliance and Set-Up

Ongoing Monitoring

Annual Client Review

What to Expect: A Clear Path to Compliance

Setting up Cannabis/MRB clients involves expanded underwriting and regular oversight. NatPay works closely with Payment providers and Payroll Processors to streamline this process with a clear framework and ongoing support.

Initial Setup Packet – Each new Cannabis/MRB client requires the following documents:

Cannabis/MRB Checklist

Outlines all necessary documents

Cannabis/MRB Business Attestation

Completed by the Payroll Processor, affirming compliance with the Cole Memo priorities

Cannabis/MRB Questionnaire

Completed by the MRB client

Required Documentation

  • Business license / registration

  • Articles of Incorporation

  • Secretary of State registration

  • Results of any inspections performed by the state

  • Financial statements

  • Federal tax returns (most recent year)

  • Bank statements (past 6 months min.)

  • Business projections (1–3 years, if available)

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Ongoing Monitoring & Compliance

Compliance doesn’t stop after onboarding. NatPay is required to periodically monitor Cannabis/MRB accounts and flag unusual activity:

  • Large deposits to a single account

  • Deposits to payroll pay cards

  • Off-cycle or unusually timed payrolls

  • Sudden or significant employee count increases

If you notice red-flag activity, please notify NatPay immediately. We are required to report suspicious incidents under FINCEN guidelines.

Annual Client Review

Each year, we conduct a full review to ensure your Cannabis/MRB client remains compliant. This includes:

From the MRB Client:

  • Updated license/registration
  • Results of any new inspections
  • Updated tax returns (if available)
  • Completed Annual Cannabis/MRB Questionnaire
  • Cannabis/MRB Attestation in lieu of site visit

From the Payroll Processor:

  • Annual Cannabis/MRB Business Attestation
cannabis payments compliance

Your Partner in Cannabis Compliance

Navigating the cannabis industry’s financial challenges is tough — NatPay makes it easier. With 35 years of experience in payment processing and compliance, we’re here to help you serve your clients confidently and legally.