Spendr and Dutchie Pay by Bank both take cannabis payments by bank (ACH), and both work inside Dutchie POS. Dutchie Pay by Bank only works on Dutchie and is payments only. Spendr has a payment button inside Dutchie POS (more than 80% of Spendr dispensaries run Dutchie) and adds Spendr-funded rewards for your customers and marketing that brings them back (Spendr publishes a 22% average increase in transaction value and 98% retention after first purchase).
Spendr: Payments + rewards + marketing
Dutchie Pay by Bank: ACH inside Dutchie POS (part of Dutchie Payments)
Spendr: QR code or phone, in the app or on the web (no download required)
Dutchie Pay by Bank: Bank link once, then pay in Dutchie checkout (in-store, online, kiosk, delivery)
Spendr: Spendr button inside Dutchie POS; works with any other POS too
Dutchie Pay by Bank: Dutchie only; part of Dutchie Payments
Spendr: Spendr-funded rewards, plus retailer and brand rewards and deals
Dutchie Pay by Bank: Payments only
Spendr: Instant into the merchant’s Spendr account; same-day ACH to the merchant’s bank (Spendr)
Dutchie Pay by Bank: Next business day (Dutchie site)
Spendr: Every payment guaranteed by Spendr; no chargeback or return risk for the merchant
Dutchie Pay by Bank: 100% chargeback liability coverage (Dutchie-published)
Pricing: neither vendor publishes rates on these pages; ask each on a demo.
Want pay-by-bank plus Spendr-funded rewards to lift ticket size and repeat visits.
Want a payment and rewards app that works with any POS.
Want a payments partner that invests in marketing your store.
Only want payments, inside Dutchie.
Don't need customer rewards or marketing from your payments provider.
Payments only vs. payments that grow your store. Dutchie Pay by Bank is built into Dutchie, with next-business-day settlement and 100% chargeback liability coverage (Dutchie-published). It only works on Dutchie, and it is payments only. Spendr runs inside Dutchie POS through a Spendr button and adds what a tender alone can't: Spendr-funded rewards for your customers and marketing that brings them back. Spendr guarantees every payment, so the merchant carries no chargeback or return risk.
Spendr is pay-by-bank (ACH) plus Spendr-funded rewards and marketing, built to grow ticket size and repeat visits. Customers can pay in the Spendr app or on the web, with no download required.
If you only want payments in Dutchie, Dutchie Pay by Bank does that. If you want your payments provider to invest in growing your store with Spendr-funded rewards and marketing, use Spendr, right inside Dutchie POS. Written by Spendr; Dutchie details from dutchie.com/business/pay-by-bank, checked October 2026.
Also compare:
What is Spendr? — What Spendr is, how a Spendr payment works, who funds rewards, and how it differs from cash, ATMs, and other pay-by-bank options.
Spendr vs Aeropay — How Spendr compares with Aeropay's pay-by-bank network on customer app, rewards, POS integrations, and settlement.
Spendr vs BLAZEPAY — How Spendr compares with BLAZE's built-in pay-by-bank on checkout, settlement, tipping, and rewards.
Best cannabis payments for dispensaries (2026) — A Spendr-written buyer's guide to cannabis payment options for dispensaries: pay-by-bank (ACH), POS built-in payments, debit apps, and cashless ATMs.
Spendr for business — Onboarding, merchant tools, and Spendr's published results for dispensaries.