MMJPay Review

August 9, 2022

On its website, MMJPay claims that it is the best banking and payment solution for the cannabis industry. It can readily set up accounts that will help a cannabis business start accepting credit card payments. It accepts major credit cards such as Visa, Mastercard, American Express, and Discover Network.

To help businesses in the cannabis and hemp industry, the company offers a cashless ATM payment solution so businesses can take full advantage of their mobility. MMJPay has a point-of-sale (POS) system that can turn any device into a payment processor. The company even offers sales reporting and inventory management.

MMJPay wants to help the cannabis industry grow. For the past 20 years, it has worked with over 12,000 successful cannabis merchants. It also processed more than $34 million in transactions. The company said that its management is also full of owners of cannabis-based businesses—from manufacturing to distribution. This allows them to understand the complex problems of a cannabis business.


MMJPay Merchant Services

Credit Card Processing

It is a challenge for cannabis and hemp merchants to find payment processors that can help them accept credit card payments. Reliable and stable credit card processing solutions seem to be far-fetched for the cannabis industry. MMJPay provides unconventional payment solutions so cannabis merchants can grow their markets.


High-risk Payment Processing

MMJPay specializes in high-risk businesses. Even after the full legalization of the use of cannabis, merchants are still having a hard time getting approved by traditional banks. That’s why payment processing solution providers such as MMJPay exist. The company identifies the payment solutions issues faced by the cannabis industry. Then, it helps come up with the right services for them.

Cashless ATM

image of mmj pay cashless atm

If the customers want to pay using their debit cards, they should be able to do so. That is what the cashless ATM is for. It allows consumers to pay using their debit card in the dispensary. This option is not only beneficial for the consumers. It works to the benefit of both the merchants and consumers. For merchants, the cashless ATM option will direct the funds to the merchant account. It will reflect immediately on their business bank account.

Mobile Terminal

During the pandemic, it became important for cannabis-based businesses to have delivery options. But how can they offer credit card payments for curbside pickups and delivery? That’s what MMJPay’s mobile terminals are for. These are wireless terminals that can process credit card payments. They also have EMV-chip reading capabilities for top-notch security and fraud prevention.


MMJPay Fees, Rates & Pricing

Processing Fees

There is a lack of information about MMJPay’s processing fees, rates, and prices. On the FAQ section of its website, the company said that its cashless ATM payment solution has no discovery fees, no setup fees, no monthly or maintenance fees, and no training and support fees.

Additional Fees

There are no reports about MMJPay having additional fees.


Hidden Charges

image of mmj pay has no hidden fees

There are also no reports about MMJPay having hidden charges.


MMJPay Complaints

There is currently no negative information published online about MMJPay.

Rip Off Reports

There are no rip-off reports about MMJPay.

Other Complaints

There are no other complaints about MMJPay.


MMJPay BBB Rating

MMJPay is not accredited by the Better Business Bureau. It also has no rating. Some merchants feel the need to check the Better Business Bureau (BBB) for information on a payment processor’s reputation. While the BBB is not the only accrediting body for payment processors, it has a huge impact on prospective clients.

BBB Reviews

In fact, MMJPay is not listed on the BBB website. As such, there are no customer reviews and complaints about it on the site.



Is MMJPay Legitimate?

image of is mmj pay legitimate

MMJPay appears to be a legitimate payment processing solutions provider. It has several profiles on common professional social networking platforms. It even has a Facebook page that was last updated in September 2021. It doesn’t have much presence on the internet in terms of reviews and recommendations, though.

On ScamAdviser, MMJPay’s website has a perfect trust rating of 100. This is based on the fact that the website has existed for quite some years. The negative comments on ScamAdviser about MMJPay are based on the website not having many visitors. It is also not optimized for search engines.


There are no scam reports about MMJPay. In fact, ScamAdviser said that it is safe for users to browse the website.


MMJPay has not faced and is not facing any class-action lawsuits.


MMJPay Customer Reviews

MMJPay doesn’t publish customer testimonials on its website. It doesn’t have customer reviews on popular online forums and review sites. Google doesn’t have information about the company, too.

image of mmj pay customer reviews


It is hard to recommend a company that has very few details on the internet. MMJPay looks to be a legitimate payment processing company. However, merchants should be cautious when trying to sign up for any of the company’s services. They should do their due diligence in researching more about MMJPay, as well as alternatives they could go for. They can reach out to the company and see if the company’s terms agree with their needs.

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