Frequently Asked Questions For Consumers
To reset your Quick Access PIN and unlock your CanPay App, go to the CanPay App and click “Forgot PIN” below the sign-in page. Follow the steps and you’ll be able to reset your PIN.
No, this debit account is issued by CanPay.
Yes, your spending limit will be visible to you on the App Home page when you login to the CanPay App.
No, CanPay is a debit payment app that functions like other debit and credit cards in your wallet. A debit in the exact amount of the transaction will be made against your bank account for your purchases made with CanPay.
No, you do not have to “store” or “load” funds into your CanPay account before you decide what you want to purchase. CanPay initiates a true debit to your regular checking account in the exact amount of your purchase.
No, there are no costs to you when you make purchases with CanPay.
Yes, CanPay is free to signup for and free to use.
Purchases made with CanPay that exceed the balance in your checking account may result in overdrafts and associated fees, regardless of whether you have opted to allow overdrafts with respect to debit cards issued by your financial institution.
CanPay can only be used at approved retailers. We are constantly expanding the retailers where you can use CanPay, but feel free to encourage your favorite retailer to sign-up for CanPay.
The card brands and banks that issue your credit cards do not allow their cards to be used to make cannabis purchases, regardless if it is legal in your state or not. CanPay is the first debit payment app that can be used at cannabis retailers.
If your account is inactive or suspended, please contact CanPay’s Live Chat support in the app and request additional information.
Your CanPay Quick Access PIN is the 4-digit PIN you created when you joined CanPay.
Yes, CanPay employs the latest security technology. Additionally, your Payment Code generated in the CanPay app can only be used one time and expires within 30 minutes after it is requested.
Our system relies heavily on email communication to all customers. It is also necessary to retrieve and/or change your PIN.
An email receipt for each transaction is sent to the email you used to setup your account. You can also login to your App and see historical transactions in the Menu.
We’re sorry to hear it. Please take a copy of your email receipt back to the retailer where you made the purchase for assistance.
Most customers are instantly verified and instantly activated.
The Automated Clearing House (ACH) Network is a highly reliable and efficient nationwide batch-oriented electronic funds transfer system governed by the NACHA Operating Rules that provide for the interbank clearing of electronic payments for participating depository financial institutions. The Federal Reserve and Electronic Payments Network act as ACH Operators, central clearing facilities through which financial institutions transmit or receive ACH entries.
Most banks do not charge for ACH transactions. This is the same method that is currently used for paying mortgage payments, car payments and any authorized debits from your bank account. It is possible that some banks may charge a monthly fee for such services so please check with your bank for details. Charges may apply from your bank if your transaction is returned as unpaid (NSF, Account Closed/Frozen, etc.).
First, you should not conduct a purchase if you are aware that you do not have sufficient funds to cover the amount of the transaction. If you do, your bank will return the transaction and your CanPay account will be deactivated until you repay your purchase and the repayment has fully cleared. Returned transactions may also result in a “Return Fee” from your bank.
Yes, after three failed login attempts your account will be locked for security. You will either need to reset you Quick Access PIN or wait for your account ot unlock.