Overview
Paybotic Financial is a financial technology company that provides banking access and digital payment tools for cannabis businesses. It states that it is not a bank and that banking services are provided by Regent Bank, Member FDIC. The company says it serves dispensaries, multi-state operators and ancillary cannabis businesses, and it describes itself as operating across the entire country. Its terms of service name the operating entity as IPN B, LLC, doing business as Paybotic Financial. The website places it in the Paybotic family of brands with Millers Insurance Group and sister company Paybotic, which provides payment processing.
The Payment Center lets retailers accept bank-to-bank ACH payments. In store, customers pay at the counter by scanning a QR code, and Paybotic Financial says the checkout works without changing the store's POS. Online, a plugin adds ACH payments to an ecommerce store, and the vendor says it works with WooCommerce and other ecommerce platforms. Transactions are authenticated through Plaid, and reporting tools track payment activity.
For wholesale sales, B2B invoice payments generate a secure payment link tied to each invoice. The vendor positions this for cultivators selling flower and biomass, distributors invoicing dispensaries and brands, and brands that need one link per invoice across accounts, states and SKUs. Buyers connect their bank once and then pay in a few clicks, and each link can be tracked in real time in the Payment Center. As of October 2026, B2B pricing depends on volume and is quoted on request.
Banking services include business bank accounts opened with partner institutions and a corporate debit program that issues physical and virtual cards to staff, with spending limits and real-time transaction tracking. The company says its solutions are built to meet state and federal guidelines.