COVA PAY CANADA

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Fast, reliable payment processing for Canadian cannabis stores.

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Better cannabis payments, built into Cova POS.

Cannabis payments should work as part of your retail system, not around it. Cova Pay fully integrates cannabis payment processing with the award-winning POS Canadian retailers already trust, so every sale, payment, payout, and report connects automatically.

The result is faster checkout, fewer manual errors, cleaner reconciliation, centralized reporting, and support from the same team that knows your POS. With built-in fraud prevention and chargeback rates as low as 0.01%, Cova Pay gives cannabis retailers a smoother way to accept payments—and a better way to close the day.

Cova Pay Features

Enterprise Infrastructure – Built for peak volume and speed.

🚀 2x Faster Processing – Keep checkout lines moving.

🔗 Native POS Integration – Reduce manual entry and errors.

💸 Tipping + Upsells – Increase basket size and simplify tips.

🛡️ Fraud Protection – Reduce chargebacks and save more sales.

📊 Centralized Reporting – Track deposits, fees, and payouts.

🔄 Instant Reconciliation – Match transactions to deposits.

📱 Sleek Payment Terminal – Enable fast, mobile checkout.

😊 Easy Tip Configuration – Keep tip prompts simple and flexible.

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"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."
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Randy Tingskou

Owner - A Little Bud Cannabis

"Before Cova Pay, fraud settings were choking our checkout — 1 in 3 orders were getting cancelled. We lost $56K in sales to avoid $1,300 in chargebacks. Switching to Cova Pay was night and day: AVS issues basically disappeared, and we’ve had one chargeback since."
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Mike Dunn

Co-Founder, 1922 Cannabis

"Having Cova Pay and POS on one platform makes such a difference. It’s one system, one support team, and quick resolutions."
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Calvin Isakson

Managing Director, 5buds Cannabis

"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."
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Cory Waldron

Owner, Mood Cannabis Co.

Why Cova Pay?

Customer Experience

A better payment experience—in store & online.

Retailers using Cova POS have a better way to let customers pay. To modernize and streamline payments for cannabis stores, Cova Pay leverages the same robust tech infrastructure powering high-volume businesses like Uber, McDonald’s, and Facebook—delivering the speedy, seamless debit and credit card payment experience customers now expect.

Customer Experience
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Reporting

Centralized, simplified support & reporting.

It’s not just the in-store experience that’s streamlined. With Cova Pay, everything—from support to reporting—lives in one place, so you never have to juggle multiple vendors or systems. From one hub, match sales to bank deposits instantly, or track daily payouts across locations with full revenue transparency from transaction to deposit. 

One-Stop Support
Centralized Reporting
Effortless Reconciliation
Cash Flow Visibility
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Fraud Prevention

Built to protect your bottom line with advanced fraud prevention.

Reduce fraud and chargebacks with advanced tools like 3DS2 authentication and intelligent fraud detection—without blocking legitimate sales. Reign in lost revenue with fewer disputes and higher approvals of legitimate sales.

3DS2 Authentication
Referenced Refunds
Email Blocking
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Pricing

Competitive rates. Fully transparent pricing.

With Cova Pay, what you see is what you pay. We pass through standard industry fees without markups—unlike many providers—so there are no hidden costs or surprises.

  • No markup on pass-through fees, no hidden charges
  • Competitive rates without sacrificing service quality
  • Full visibility into your fee structure for total peace of mind
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Retail Ecosystem

Works with your retail ecosystem.

Cova Pay is available exclusively with Cova POS and seamlessly integrates with Cova eComm or leading eCommerce partners like Breadstack, Buddi, Poof, and Rank Really High to deliver smooth, reliable online transactions with intelligent fraud detection that protects revenue without blocking legitimate sales.

Works with:

Cova eComm
Breadstack
Buddi
Poof
Rank Really High
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Easy Setup

No-brainer switch, no hassle setup.

It’s easy to make the switch and fast to get up and running with simplified onboarding & preconfigured hardware. Current Cova POS clients can use Cova Pay as fast as 48 hours after application approval.

Touchscreen Terminals
15 Minute Setup
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Cova Pay Customer Stories

Read real stories of how Cova Pay helps Canadian cannabis retailers.

Complete the Cannabis Retail Suite. Add the tools your business needs.

Industry Leading Integrations

Evolve Your Dispensary Tech Stack & Your Business with  Cannabis Software Integrations from Cova Partners.

FAQ

Why is Cova Pay better than other integrated payment solutions?

Cova Pay uses proven tech infrastructure that powers global retailers, delivering higher uptime and faster processing compared to other integrated payment solutions. Because Cova Pay owns the support experience from end-to-end, retailers don’t need to deal with the back-and-forth of multiple companies pointing fingers when they need help. With Cova Pay, reporting is accessible in the Cova Hub with no need to log into another portal or import data. Cova Pay uses an industry-standard pricing model to ensure fees are transparent, consistent, and easy to compare.

What are the benefits of integrated payments?

Full integration ensures the transaction totals from Cova point of sale are sent automatically to the payment terminals, with no need for manual entry. This keeps lines moving faster, instills customers confidence, and eliminates human error, saving time and money.

Can I use Cova Pay if I am not a Cova POS customer?

Cova Pay is fully integrated and available exclusively to clients using Cova POS. To see our award-winning point of sale system in action and find out how Cova Pay is just one way we simplify the complex and help you grow your cannabis retail business, please book a consultation and demo.

What kind of hardware does Cova Pay run on?

Cova Pay will launch with the Castles S1F2 Android terminal, which features a touchpad screen and built-in printer. The device will ship pre-configured and plug-and-play ready to connect to your network. This hardware can be connected via Wi-Fi or 4G/LTE.

Does Cova Pay support tipping?

Yes, Cova Pay supports tipping, with options for custom dollar amount and percentage tipping prompts.

Does Cova Pay support phone transactions?

Yes, Cova Pay offers integrated Mail-order, telephone-order (MOTO) payments, which allows shoppers to place and pay for their order over the phone. This is currently available for pick-up in-store transactions.

Do customers need to specify debit or credit before paying?

No, there is no need for customers to tell you, or for you to tell the terminal which type of payment is being used. Cova Pay will determine this automatically.

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