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Pin Debit Merchant Processing

A merchant processing program specifically designed for cannabis dispensaries and delivery services.

With Empirical's fully compliant merchant processing program, your cannabis business will have 100% transparency with your bank and operate like any other business.

What is the True Pin Debit merchant processing program?

Our merchant processing program provides compliant, transparent, and streamlined payment processing services for cannabis-touching businesses like dispensaries, cultivators, and delivery services.

Empirical Solutions LLC, Cannabis Dispensary Merchant Processing, High Risk Merchant Processing, Cannabis Card Processing, USA

Our approved, transparent merchant processing program is the first traditional, compliant and legitimate card payment solution.


It does not use workarounds or smoke and mirrors. The program provides direct debit card payments for exact dollar amounts, which means no cash handling and costly mistakes, no customer confusion at checkout, and no need for drivers to carry any money.

Program highlights include:

  • ​Fully endorsed and approved by the major debit networks

  • Costs less than cash handling and transportation fees

  • Full bank and processor disclosure

  • No miscoding: actual DBA and business address are on the descriptor

  • No "Out of Network" fees

  • No convenience fees

  • No contracts

  • No early termination fees

  • No annual fees

  • No application fee

Empirical Solutions LLC, Cannabis Dispensary Merchant Processing, High Risk Merchant Processing, Cannabis Card Processing, USA

True Pin Debit Merchant Processing vs. Cashless ATMs

The Pin Debit Merchant processing may seem similar to the cashless ATMs that dispensaries often use as a workaround, but they are very different. For starters, the bank sees cashless ATM transactions as regular ATM transactions, but in reality, they are just normal debit card swipes. Out-of-network fees are usually $3 for your customers. Pin Debit accounts let you take payments electronically without paying these bank fees.


Empirical offers a compliant and transparent merchant processing system, making cashless ATMs obsolete. These are some of the key differences:


  • Sales are for the exact dollar amount of the purchase

  • The customer does not pay a convenience fee

  • 100% transparent – full acquiring bank disclosure

  • No cash handling

  • Frictionless checkout process

  • Seamless transition to credit cards when federal change allows

  • No contracts

  • No early termination fees

  • True DBA and business address on descriptor and receipts

  • Fully transparent bank-approved cannabis program

  • No Convenience fee or out-of-network fee

  • Acquiring bank not disclosed in most cases

  • Budtenders don't need to provide change

  • Sales, on average, increase by 25-80% versus cash

Image by Sean Pollock


The industry's first and only transparent card processing program for cannabis merchants is finally here! True Pin Debit (Not a Cashless ATM)

Our sponsor bank and Processor have worked with federal regulations to create the first ever legal card processing solution for the cannabis industry. 


Make life easy for yourself and your customers by increasing sales and safety.  Apply for your PIN Debit merchant account today and sell more tomorrow.

Call us for full product features, costs, and how to get started!

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