Reduce Errors. Increase Basket Size. Maximize Profit.

Cannabis payments in the U.S. shouldn’t be this hard. Too many retailers are forced to rely on unstable card programs and disconnected systems that slow checkout and increase risk. Cova Pay changes that with vetted, cannabis-compliant ACH and debit card payments fully integrated with Cova POS—so every transaction is faster, accurate, and easy to reconcile. The result: lower operational risk, cleaner reporting, and up to 35% higher revenue per transaction. Payments built for how dispensaries operate today—and where the industry is headed.


Cova-Pay-Debit

ACH & Debit Card Payments Built for Compliance & Reliability


Cannabis payments in the U.S. are volatile for a reason: too many programs operate in the shadows, and retailers get stuck dealing with shutdowns, disruption, and uncertainty. Cova Pay is different. We work with vetted payment partners and compliant rails designed for cannabis—so you can accept cashless payments with confidence and continuity.

  • Vetted cannabis payment partners — no sketchy workarounds
  • ACH + debit card-based options built for how dispensaries operate
  • Designed to minimize disruption as the payments landscape evolves
  • Stability you can count on during high-volume days
Fast-Checkout

Faster Checkout & Faster Reconciliation

 

Standalone payments create double work: manual entry at the terminal, mismatched totals, and end-of-day reconciliation headaches. Cova Pay is fully integrated with Cova POS, so payment amounts flow from the POS automatically and every transaction lands cleanly in reporting—reducing errors and saving serious time.

  • No manual entry — fewer mistakes and cash variances
  • Faster transactions that keep lines moving
  • Cleaner reporting with payments tied directly to sales activity
  • Cuts end-of-day reconciliation time by up to 80%
no-hidden-fees

Competitive,
Transparent Rates

 

Cannabis retailers don’t need “gotcha” pricing, especially in a category where margins are already under pressure. Cova Pay is built around straightforward, predictable pricing designed to help improve your effective rate over time, without surprise fees or sudden increases after you’re locked in.

  • Clear, comparable pricing that is easy to understand
  • No hidden fees and no unexpected rate jumps
  • Options that can support higher-margin transactions (especially with ACH)
  • A payments program designed for long-term sustainability

Cova Pay Payment Methods

Cova Pay
Debit Card
ACH (Direct Bank Transfer)
What is it
An integrated, debit-based cashless ATM solution that lets customers pay with their debit card directly at checkout.
ACH payments allow customers to pay directly from their bank account at checkout, delivering a simple, secure experience with lower fees and built-in POS reconciliation.
How it Works
Customers tap or insert their debit card at checkout. The transaction is processed as a cashless ATM withdrawal and is automatically recorded and reconciled in the POS. No manual entry. No double work.
On their first purchase, customers use a secure link provided by the budtender to connect their bank account and complete payment. Once set up, future visits take just seconds.
Benefits
  • Higher margin
  • Faster checkout and shorter lines
  • No transaction fees for dispensaries
  • Next-business-day funding
  • Seamless POS reconciliation
  • No fees for customers
  • Lower processing fees
  • No app or card is required
  • Contactless mobile-device payment
  • Secure and approved by state regulators
  • Quick and easy repeat purchases after initial setup
  • Rare chargebacks

Cova Pay saves us thousands of dollars per year. By no longer having to manually enter the sales amount into a non-integrated payment terminal, we now have minimal inventory loss due to human error. 

Cory Waldron, Owner, Mood Cannabis Co
mood-cannabis-logo

We were having a lot of issues with our previous payment processor, the biggest one being constant delays. We ended up learning about Cova Pay—we were already using Cova for our POS software. We integrated it, it’s worked amazing and a heck of a lot faster.

Randy Tingskou, Owner, A Little Bud Cannabis
alittlebud

The checkout experience has been absolutely amazing with Cova Pay. Transactions take less than 10 seconds now—compared to 30 seconds or more with our previous provider. The system is also user-friendly, so our team members can access software upgrades and features to ensure the checkout process is as efficient as possible.

Calvin Isakson, Managing Director, 5buds Cannabis
5buds_logo

I cannot express how impactful Cova Pay has become for our dispensary; the average transaction size is 3x higher as customer no longer worry about the cash they carry.

Ry Russell, Owner, Budz Emporium
Budz-Emporium

 

Let's Talk Cova Pay

Complete the form to set up a consultation or sign up for Cova Pay.