Pay by Bank: Optimize your store

Pay by Bank: Optimize Your Store

Proven strategies to drive adoption across in-store, curbside, and delivery operations

Pay by Bank offers dispensaries a fast, secure, cashless payment option that customers keep coming back for. This article covers how to set up and promote Pay by Bank across every part of your operation — from kiosks and express lanes to delivery and digital channels.

25%
avg. increase in order value for Pay by Bank customers
60%
more likely to be repeat customers vs. non-Pay by Bank users
95%
of delivery orders use Pay by Bank at top-performing stores

Kiosks

If you offer in-store ordering via kiosk, enable Pay by Bank as a payment method in your Dutchie E-Commerce admin settings. Customers can scan the QR code and complete payment on their phone before they reach the counter — reducing wait times and speeding up checkout.

Pay by Bank kiosk checkout experience.

Express lane

Dedicate a register to Pay by Bank preorders and give customers who've paid ahead a faster path to pickup. It's one of the highest-impact changes you can make during peak hours.

Customers waiting in line at a dispensary counter.

How to set it up

  • Use clear signage directing customers to the Express Lane — "Pre-paid orders only"
  • Consider roping or barriers to make the lane feel distinct and exclusive
  • Post signs at the host stand and entryway: "Skip the line — pay with your phone"
  • Promote Pay by Bank sign-ups within regular lines to move customers into the Express Lane

For POS configuration — including creating new status columns and filtering a register to specific statuses for a truly dedicated lane — see the guides below.

How to promote it

Use Dutchie's Loyalty & Marketing platform to get the word out:

One-time blast email
Announce your Express Lane to your full customer list. A single well-timed email letting customers know they can skip the line with Pay by Bank is a quick win.
Marketing workflows
Build a waterfall campaign blending SMS and email to continuously promote the lane to the right audience at the right time. Offer loyalty points boosts for Pay by Bank orders to drive repeat use.

Your team is your best marketing channel too. Coach hosts and budtenders to use these prompts:

At check-in (hosts):
"Do you have a preorder with Pay by Bank for pickup?"
On the sales floor (budtenders):
"Did you know you can order from your phone while you browse, then skip the line with Pay by Bank? Want help signing up or placing an order?"

Budtenders can also guide customers to order and pay at a kiosk with Pay by Bank — same fast pickup, no line.

Line busting

Turn wait time into sign-up time. When lines build during peak hours, send hosts or budtenders to walk the queue and invite customers to sign up for Pay by Bank on the spot.

  • Use a tablet, handheld device, or printed QR code signage to direct customers to sign up from their phone
  • Let customers know that with Pay by Bank, they scan at checkout and confirm — no card, no cash, no delay
  • Customers who sign up mid-queue can often complete checkout faster than those waiting to pay with cash or card

Pro tip: This simple step turns downtime into action — reducing transaction times and increasing throughput during your busiest hours.


Pickup windows and drive-thru

Pay by Bank users are 60% more likely to be repeat customers. A fast, frictionless pickup experience builds loyalty with every visit — make sure your pickup window and drive-thru are set up to take advantage of that.

Drive-thru best practices

  • Apply window clings and signage near the lane to raise awareness before customers reach the window
  • Keep table tents at the window — required for stores using the Legacy Pay by Bank flow
  • Hand out bag drops to encourage sign-ups for future orders

For Dutchie Hub (PAX A920) users

  • The PAX A920 is mobile-friendly and supports 4G SIM cards — must be dispensary-sourced via T-Mobile
  • See the setup guide for network details and configuration

Delivery and curbside

1 in 3 dispensaries offering Pay by Bank for delivery report that customers choose it for 95% of delivery orders — leading to less cash handling, increased driver safety, and smoother transactions end to end.

Dutchie E-Commerce: Preorder flow

  1. Enable Pay by Bank for curbside and delivery in your admin:
    Settings → Ordering → Curbside and Delivery → Payment Types → Enable Pay by Bank
  2. Place QR code signage or register stickers in the curbside area to encourage sign-ups

Dutchie Hub: Delivery and curbside

  • Use the PAX A920 for curbside and delivery runs with mobile connectivity
  • See the delivery workflows guide and device setup instructions below

Spread the word

Once Pay by Bank is live, let your customers know — and make sure they understand why it's worth using. Whether you're offering it for delivery, curbside, or in-store, clear and consistent communication drives adoption and repeat business.

Email announcement
Send a ready-to-use email announcing Pay by Bank. A downloadable HTML template is available below — just add your store details and send.
E-Commerce banners
Update your Dutchie E-Commerce site banners to promote Pay by Bank at the top of your online menu. Downloadable banner assets are available below.

When communicating with customers, keep messaging focused on the benefits that matter most to them:

  • Faster checkout — no card, no cash, just scan and go
  • No fees — unlike card surcharges, Pay by Bank is free for customers
  • Secure — bank-backed, encrypted end-to-end
  • Flexible — works in-store, online, and for delivery

Never received your marketing kit or running low on assets? You can reorder in-store marketing materials at any time.

Have a special request? Reach out to payments@dutchie.com with your idea.

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