Cannabis wholesale payments
How Settlr compares to legacy payment workflows
Cannabis wholesalers don't need another generic payment gateway. They need a faster way to invoice, collect, reconcile, and turn orders into cash.
Get paid in seconds, not days
Instant settlement instead of waiting on ACH, wires, or processor delays.
Lower the cost of getting paid
1% flat instead of high-risk processing fees that can reach 5–9%+.
Turn invoices into cash faster
Built for collections, reminders, reconciliation, and receivables visibility.
Reduce dependency on fragile rails
Less reliance on slow banking workflows and manual follow-up.
Most cannabis wholesalers are stitching together marketplaces, ACH, processors, spreadsheets, and manual follow-up just to get paid. Settlr brings invoicing, collections, reconciliation, and instant settlement into one workflow.
Workflow
| Feature | Settlr | LeafLink + ACH | High-risk processor | Generic crypto gateway |
|---|---|---|---|---|
| Built for cannabis wholesale Settlr is purpose-built for cannabis B2B. LeafLink is a marketplace with payment add-ons. High-risk processors and crypto gateways are industry-agnostic. | Partially | |||
| Order-to-cash workflow Settlr covers PO creation, invoice generation, payment collection, reminders, reconciliation, and settlement in one workflow. | Full | Partial | ||
| Invoice creation | Limited | |||
| Automated collection reminders | ||||
| Receivables visibility AR aging, outstanding balances, and payment status across all buyers — in one dashboard. | Limited | |||
| Reconciliation | Partial | Manual | Manual |
Settlement & Cost
| Feature | Settlr | LeafLink + ACH | High-risk processor | Generic crypto gateway |
|---|---|---|---|---|
| Time to cash Settlr settles on Solana in under 2 seconds. ACH takes 2–5 business days. High-risk processors hold funds 3–7 days plus rolling reserves. | Seconds | Days to weeks | 3–7 business days | Seconds |
| Processing fees High-risk merchant accounts for cannabis typically charge 5–9% with rolling reserves of 10–20% held for up to 6 months. | 1% flat | Varies | 5–9%+ | 0.5–2% |
| Rolling reserves | 10–20% | |||
| Monthly fees | $0 | Varies | $50–$500+ | From $0 |
| Weekend & holiday settlement | ||||
| Cost on $500K/month A cannabis distributor processing $500K/month pays $5,000 on Settlr vs. $25,000–$45,000 on a typical high-risk processor. | $5,000 | Varies | $25K–$45K | $2.5K–$10K |
Risk & Reliability
| Feature | Settlr | LeafLink + ACH | High-risk processor | Generic crypto gateway |
|---|---|---|---|---|
| Bank dependency Settlr uses non-custodial stablecoin settlement. Funds move wallet-to-wallet without requiring bank intermediaries for the transaction itself. | Lower | High | High | Lower |
| Account freeze risk 62% of cannabis businesses have had at least one bank account closed. Non-custodial settlement eliminates this risk for the payment itself. | None | Moderate | High | Low |
| Chargeback exposure | ACH returns possible | |||
| Early-pay incentives Offer buyers discount terms for faster payment — reduces time-to-cash and improves working capital. |
Settlr is not just another way to move money. It is built to help cannabis wholesalers get paid faster. Instead of relying on a patchwork of ACH, processors, manual invoice chasing, and disconnected reconciliation, Settlr gives operators one order-to-cash workflow: create the invoice, collect the payment, track receivables, automate follow-up, reconcile transactions, and settle instantly when speed matters.
Why wholesalers switch
Wholesalers don't change payment workflows because the technology is interesting. They change when the current process is too slow, too expensive, or too painful to manage.
Reduce time-to-cash from days to seconds
Stop chasing invoices manually
Lower high-risk processing costs from 5–9% to 1%
Gain visibility into outstanding receivables
Offer faster payment options when cashflow matters
Get paid faster on wholesale orders
See how Settlr shortens time-to-cash for cannabis wholesalers. One workflow for invoicing, collections, reconciliation, and instant settlement.