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Cannabis payment processing, state by state
Every US market with a medical or adult-use cannabis program, with what it actually sells, how many licensed retail sites serve it, and the payment problem specific to operating there.
The index
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The merchant category code gap is federal, so the cause is identical in all 42 markets. What changes is the cost of an outage — tax burden, ticket size, store density, delivery rules, and how much revenue runs through a single license.
Alabama
New first sale June 20263 licensed dispensary companiesFirst legal sale June 3, 2026, after five years of litigation; three companies may open up to three sites each.
Payments in Alabama →AKAdult-useAlaska
$26.4M 2024 state exciseRetail total not publishedTaxed at wholesale, so no statewide retail total; cash moves by road, barge and air.
Payments in Alaska →AZAdult-useArizona
$1B+ 2025 salesLicenses cappedThird straight year of decline from a $1.42B peak; capped licenses mean high volume per store.
Payments in Arizona →ARMedicalArkansas
$291.1M 2025 sales37 licensed dispensariesRecord sales on just 37 dispensaries serving about 119,000 active cardholders.
Payments in Arkansas →CAAdult-useCalifornia
$3.9B 2025 salesStore count set locallyLargest market, third straight year of decline; margin pressure makes held funds brutal.
Payments in California →COAdult-useColorado
$1.32B 2025 sales687 licensed retail storesOldest adult-use market, sales down 41% from the 2021 peak on more stores than before.
Payments in Colorado →CTAdult-useConnecticut
$290M 2025 sales61 licensed storesRecord unit volume, flat revenue: more transactions through the same small store base.
Payments in Connecticut →DEAdult-useDelaware
$53.4M first-year adult-use salesUp to 30 adult-use licensesAdult-use retail opened August 2025; most operators are still choosing payment rails.
Payments in Delaware →FLMedicalFlorida
939,639 qualified patients767 dispensing locationsThe largest medical program in the country, on a vertically integrated license model.
Payments in Florida →GAMedicalGeorgia
New comprehensive July 202682 dispensing locationsIndependent pharmacies now dispense cannabis, putting an existing merchant account at risk.
Payments in Georgia →HIMedicalHawaii
~$5.3M monthly dispensary sales24 licensed retail sitesIsland logistics: product cannot move between islands, and neither can a quick cash run.
Payments in Hawaii →ILAdult-useIllinois
$1.51B 2025 adult-use sales288 adult-use dispensariesRecord unit volume, falling revenue, and a potency tax stacked on every basket.
Payments in Illinois →KYMedicalKentucky
New first sale Dec 2025About 24 of 48 openAbout half the 48 licensed dispensaries are open; the rest are choosing systems now.
Payments in Kentucky →LAMedicalLouisiana
Not published salesPharmacy-only modelLicensed pharmacies only, regulated by the Department of Health since 2025.
Payments in Louisiana →MEAdult-useMaine
$246.8M 2025 adult-use sales216 licensed retailersSharp summer tourism peak; an outage in July costs several times what it costs in February.
Payments in Maine →MDAdult-useMaryland
$1.17B 2025 sales109 operating dispensariesMore than a billion dollars through about a hundred counters as medical shifts to adult-use.
Payments in Maryland →MAAdult-useMassachusetts
$1.65B 2025 sales416 consumer-facing licenseesRecord sales on record transactions as prices fall; host agreements take a cut first.
Payments in Massachusetts →MIAdult-useMichigan
$3.17B 2025 sales838 retail storesSecond largest US market, first annual decline, and a new 24% wholesale tax in 2026.
Payments in Michigan →MNAdult-useMinnesota
$250M+ first-year sales369 licensed businesses (all types)Retail opened September 2025; tribal and state licenses run in parallel.
Payments in Minnesota →MSMedicalMississippi
$118.7M FY2025 salesNot publishedTwo regulators, one business: MSDH licenses supply, Revenue licenses dispensaries.
Payments in Mississippi →MOAdult-useMissouri
$1.52B 2025 salesLicenses capped by districtRecord sales in the third full adult-use year; strong cross-border pull.
Payments in Missouri →MTAdult-useMontana
$326.9M 2025 salesNot publishedOne of the densest retail footprints per capita, run mostly by small independents.
Payments in Montana →NEPre-launchNebraska
Pre-launch no retail sales yet— licensed retail sitesNot yet trading. First cultivator cleared to plant June 2026; no retail date set.
Payments in Nebraska →NVAdult-useNevada
$757.7M FY2025 sales103 operational retail sitesTourist-driven: Clark County carries three quarters of sales, many of them one-time buyers.
Payments in Nevada →NHMedicalNew Hampshire
Not published sales7 treatment center locationsSeven non-profit treatment center locations, surrounded by adult-use states on three sides.
Payments in New Hampshire →NJAdult-useNew Jersey
$1.16B 2025 sales315+ dispensariesPrices down sharply since 2023 while transactions climb, the pattern card monitoring flags.
Payments in New Jersey →NMAdult-useNew Mexico
~$568M 2025 sales3,071 licenses (all types)Uncapped licensing produced a crowded market with very thin margins.
Payments in New Mexico →NYAdult-useNew York
$1.5B+ 2025 sales556 licensed dispensariesStore count more than doubled in a year while fighting an entrenched unlicensed market.
Payments in New York →NDMedicalNorth Dakota
$22M+ 2024 sales8 licensed dispensariesEight dispensaries across a very large, very rural state; patients drive a long way.
Payments in North Dakota →OHAdult-useOhio
$1.07B 2025 sales190 dual-use dispensariesFirst full year of adult-use passed $1B in combined sales on 190 stores.
Payments in Ohio →OKMedicalOklahoma
~$445M Jan–Aug 2025 sales1,453 dispensary licensesThe most dispensary licenses in the country, now consolidating under a moratorium.
Payments in Oklahoma →ORAdult-useOregon
$925.8M 2025 sales769 licensed retailersRecord harvest, $3.33 median gram; chronic oversupply means every cent of basket size counts.
Payments in Oregon →PAMedicalPennsylvania
$1.77B+ 2025 salesNot publishedOne of the largest medical-only markets; about 439,000 patients on refill schedules.
Payments in Pennsylvania →RIAdult-useRhode Island
$120.1M 2025 sales8 licensed retailersEight retailers for the whole state while up to 24 adult-use licenses work through the pipeline.
Payments in Rhode Island →SDMedicalSouth Dakota
Not published sales60 licensed dispensariesDispensary count fell from 79 to 60 in three years while patient numbers rose.
Payments in South Dakota →TXMedicalTexas
Not published sales15 licenses, 3 operatingExpanded from 3 to 15 licenses under HB 46, with satellite locations allowed.
Payments in Texas →UTMedicalUtah
$157M 2024 salesCapped pharmacy networkA small, capped pharmacy network serving more than 113,000 cardholders.
Payments in Utah →VTAdult-useVermont
$71.9M H1 2025 salesNot publishedSmall-batch craft model with cross-border demand from New Hampshire and New York.
Payments in Vermont →VAMedicalVirginia
$15.1M medical sales, Jan 20265 pharmaceutical processorsAdult-use retail enacted June 2026, with sales allowed from July 2027; medical only until then.
Payments in Virginia →WAAdult-useWashington
$1.14B 2025 sales473 retail licenses37% excise on top of sales tax, on a market declining every year since 2021.
Payments in Washington →DCMedicalWashington, D.C.
$100.9M 2025 program sales58 licensed retailersSelf-certification opened access; a congressional rider still blocks taxed adult-use sales.
Payments in Washington, D.C. →WVMedicalWest Virginia
35,202 approved patientsNot publishedA small medical program with adult-use markets in Ohio and Maryland next door.
Payments in West Virginia →No market matches that. Try a state name or a two-letter abbreviation.
Sales figures are 2025 calendar-year unless the card says otherwise (fiscal year, first year of sales, or a partial year). Where a state does not publish a dollar total or a store count, the card says so rather than estimating, and those markets sort to the end. Sources are named on each state page. Figures move; verify with the state regulator before relying on them.
The part that is the same everywhere
One federal gap, forty-two versions of the same outage
Card networks classify every merchant with a four-digit category code. There is no code for state-licensed cannabis in any state, because the rules are written against federal law rather than state licensing.
Different rails, not a better application
Bank-to-bank ACH moves money between two bank accounts on federally regulated banking rails. No card network is in the transaction, so no category code applies to it.
Next-day settlement
Funds arrive in your own bank account the next business day, in every market on this page.
The full basket
The exact total is charged, tax included. No wallet ceiling, no rounding to a cash-back increment, no change handed back.
Every channel
In-store QR, SMS pay links, e-commerce prepay and B2B invoicing on one platform.
Your customer data
Name, phone and email captured into your account, not ours, with outreach from the same dashboard.
Nothing gets replaced
Cash stays. Your point-of-sale stays. This runs alongside what you already have.
No payment method makes a cannabis business federally compliant, and nothing on this page is a guarantee of any outcome with a bank or a regulator. Seay Payments is an Independent Sales Organization; the demo is run by the Greencard Payments team.
Thirty minutes on your market, your volume, your counter
Bring your state, your license type and your current setup. You will see the checkout running live and where it fits alongside what you already run.
Book the Demo →If it’s not a fit, the call ends there.