Payment solutions for high-growth businesses

High-risk business. Low-friction payments.

Cannabis, CBD, hemp and high-risk payment processing with debit, ACH, gateways and merchant services—backed by banking partners and 17+ years in the industry.

  • 17+ Years Experience
  • High-Risk Expertise
  • Debit + ACH + Merchant Services
  • Compliant & Secure

How it works

Get up and running in four simple steps.

  1. Apply

    Tell us about your business and processing needs.

  2. Get Matched

    We connect you with the right banking and processing partners.

  3. Integrate

    Set up your payment solution with guidance from our team.

  4. Start Processing

    Accept payments and grow your business.

About ProtoPay

Cannabis payment expertise, powered by PROTEUS420.

From cultivators and growers to dispensaries and consumers, ProtoPay connects cannabis, CBD, hemp and high-risk businesses with secure debit, ACH, gateways and merchant services—supported by a robust network of reliable banking partners.

Our POS and multi-network infrastructure is built for continuous uptime and high approval rates, so you can process with confidence and keep operations moving.

Industries We Serve

Built for high-growth and high-risk industries.

We understand the unique challenges of high-risk businesses and provide tailored payment solutions to help you operate, stay compliant and grow with confidence.

Payment Solutions

Choose the right payment solution for your business.

Flexible payment solutions designed for cannabis, CBD, hemp and other high-risk industries—including POS, debit, online processing and ACH across multiple reliable networks. ProtoPay connects you with banking and processing partners built for high approval rates and fewer disruptions.

Key Features

Built to process, fund and scale without the usual friction.

Effortless Operation

  • Payments Instant processing that keeps checkout smooth for your team and customers.
  • Business growth support Access to financial resources often hard for cannabis businesses to obtain.
  • Full compliance Solutions designed to support a compliant, secure payment environment.

Powerful Network

  • Trusted partnerships Banking partners selected to support high-risk financial needs.
  • Industry respect Reliable, compliant solutions that build trust across the cannabis space.
  • Fast funding Quicker access to funds so operations stay uninterrupted.

Simplified Management

  • Immediate processing Multi-network routing that helps maximize approvals and uptime.
  • POS strength Industry-ready POS technology balanced with core payment infrastructure.
  • Secure transactions Advanced safeguards to protect sensitive data and help prevent fraud.

Trusted by businesses nationwide

Experience. Partnerships.
Results.

17+
Years in Payments
10,000+
Businesses Supported
99.9%
Reliable Processing
  • VISA
  • DISCOVER
  • ACH
Powered by

The US Banking and FinCEN-approved solution, powered by PROTEUS420.

Ready to get started?

Let’s find the right payment solution for your business.

Talk to our team today and get a customized solution built for your industry and goals.

What our clients say

Trusted by businesses that keep growing.

  • “ProtoPay made it possible for our dispensary to accept payments seamlessly. Their team is knowledgeable and always responsive.”

    — Cannabis Retailer, CA
  • “The onboarding process was smooth and our dedicated rep walked us through everything. Highly recommended.”

    — CBD Brand, CO
  • “Finally, a payment partner that understands our industry. Reliable processing and excellent support.”

    — High-Risk Business Owner, FL
  • “Switching processors used to take months. ProtoPay got us live quickly without the usual compliance headaches.”

    — Hemp Wellness Brand, OR
  • “ACH and debit options that actually work for our stores. Support answers fast and knows the space.”

    — Multi-State Operator, MI
  • “Clear pricing, steady approvals, and a team that treats high-risk like a specialty—not a liability.”