Buy now.
Pay later.
Give your customers a credit line right at the counter. Deferred authorizes in under two seconds, you get paid next business day, and we carry the risk.
- Authorizes in under 2 seconds
- Next-business-day settlement
- No FICO required
- No cash to count
Cannabis runs on cash.
A $33.8B industry that’s federally unbanked. Every dispensary in the country deals with it every day.
Estimated 2026 revenue, growing ~11% a year.
Across legal states. California is the largest market.
US adults buying cannabis at least monthly.
More transactions vs. cash-only stores. Cash is the constraint.
And no major BNPL — Klarna, Affirm, Afterpay, PayPal Pay-in-4 — is allowed to touch it.
Their banks won’t process it. Their card networks won’t allow it. That’s a structural moat, not a strategic one.
One product. Five steps.
Built into the dispensary checkout your customers already use.
Open an account
The customer scans a QR code at the counter and links a bank in about 90 seconds. Approval runs on cash-flow data — no FICO required.
Get a credit line
Up to $200, capped at 25% of the customer's average daily balance. Underwriting tuned to keep customers safe and defaults low.
Pay at the counter
Your POS pings Deferred and we authorize in under two seconds. The dispensary completes the sale exactly like any other transaction.
Dispensary gets paid
We settle next business day, less a flat 5% merchant fee. Real bank deposits — not cash to count.
Customer pays us back
Four equal weekly payments starting day 7, $1 per payment. The loan closes on day 28. No interest, no surprises.
Built for the people behind the counter.
Deferred is a revenue and risk upgrade for the dispensary — not just a perk for the customer.
Get paid next business day
Real bank deposits, less a flat 5%. No cash to count, no armored pickups, no safe to manage.
Bigger baskets
A credit line at the counter lifts spend. Card payments already drive +59% more transactions than cash.
Approve more customers
Cash-flow underwriting instead of FICO means thin-file shoppers still qualify — and come back.
Zero risk to you
Deferred funds the purchase and collects from the customer. You're paid whether or not they repay us.
Wired into the industry.
Our founders come from the largest cashless-ATM provider in US cannabis. We’re not strangers walking in — the team and the integrations are already in place.
Cannabis POS platforms
POS hardware
No one else can follow.
The banking block
Every major BNPL — Klarna, Affirm, Afterpay, PayPal Pay-in-4 — is a regulated US lender. Their banks won't process cannabis and their card networks won't allow it. The block is structural, not strategic.
Category knowledge
Deferred is built specifically for cannabis: dispensary POS integrations, cash-score underwriting for thin-file consumers, and KYC tuned to state regulators.
First-mover lock-in
Dispensary POS systems consolidate around one BNPL partner per category. The first credible operator in cannabis wins the network effect for a decade.
Public or funded BNPL operating in US cannabis. We define the category before anyone else can.
Bring Deferred to your dispensary.
We’re onboarding dispensaries market by market. Tell us where you are and what you run — we’ll reach out as Deferred opens up for you.
- No cost to join the list
- Works with the POS you already run
- Get paid next business day, less a flat 5%