Paying for cannabis is not like paying at a coffee shop. Because cannabis is still illegal under federal law, many dispensaries can’t use the card networks that other stores rely on, so the options differ from store to store. If you are new to buying legally in New Jersey, it is worth knowing how payment works before you go, so you don’t get caught at the counter. This guide covers what CREAM says about payment, what “Pay By Bank” generally means, and the practical steps to avoid problems. It is for adults 21+.
The Quick Answer
- Delivery orders: CREAM accepts Pay By Bank for all deliveries.
- In-store payment: our site does not list accepted in-store payment methods, so call (848) 500-9333 before you visit if it matters to you.
- The details of Pay By Bank are in CREAM’s terms.
What “Pay By Bank” Generally Means
In general, paying by bank means you authorize a payment directly from your bank account, instead of paying with a card. You usually link or confirm your account at checkout, and the payment moves from your account to the business. It is a way to pay without cash or a card, which is why it is common for businesses that can’t easily accept card payments.
The exact steps, the banks supported and the timing are set by CREAM and its payment provider, so don’t assume it works exactly like another service. Check the terms and the checkout screen.
Paying for a Delivery Order
For delivery, the process is built into online checkout:
- Build your cart from the menu.
- Enter your address and delivery details.
- Choose Pay By Bank at checkout and follow the prompts.
- Be ready to show your ID when the driver arrives.
Delivery has no minimum, and it is free over $70 and $5 under. See how weed delivery works for the full walkthrough.
Paying in Store
Our site doesn’t list the accepted payment methods for in-store purchases, so the safest approach is to ask. When you call, you might ask:
- “What payment methods do you accept in store?”
- “Is there a minimum for card or bank payments?”
- “Is there an ATM on site?”
- “Is there any difference in price by payment method?”
If you order ahead for pickup, you may also be able to settle payment as part of that process. See our guide to order-ahead pickup, and confirm the details when you call.
Why Payment Is Different at Dispensaries
Federal law still treats cannabis as illegal, even though New Jersey has a legal adult-use market. Banks and card networks operate under federal rules, which is why many cannabis businesses use cash, cashless alternatives and bank-based payments in place of standard card processing. It is a feature of the industry, not a sign that anything is wrong. It does mean that you should confirm payment methods before you rely on them.
Tips to Avoid Payment Problems
- Check before you go. Call or read the terms, especially for a first visit.
- Don’t assume your card will work. A card you use everywhere else may not be accepted.
- Have a backup. If you are not sure, bring more than one way to pay.
- Keep your receipt. It shows your rewards balance. See our rewards guide.
- Use your own account. Pay with a bank account in your own name, matching your ID.
Discounts and Payment
Discounts apply to the product subtotal, whatever the payment method. Standing discounts include 15% for 07302 locals in store, 10% for veterans, and a discount for medical patients with an active MMCP card. Only the single largest applies. See our discount guide and the deals page.
Privacy
Many people ask how a payment shows up on a bank statement. The answer depends on the payment method and the provider, and our site does not describe it. If it matters to you, ask the team before you pay, and read the terms.
Tipping
Our delivery page does not mention tipping. If you would like to tip a driver or a budtender, ask the team how, since it may depend on the payment method.
Responsible Use
Cannabis is for adults 21 and older. Keep your purchase sealed until you are home, store it away from children and pets, and never drive after using cannabis.
A Pre-Visit Checklist
- Decide whether you are ordering for delivery, pickup or a walk-in.
- For delivery, expect to pay by bank at checkout.
- For pickup or a walk-in, call and ask which payment methods the store accepts.
- Bring a valid, unexpired government-issued photo ID.
- Have a backup way to pay if you are not certain.
If a Payment Does Not Go Through
Don’t panic, and don’t keep retrying. Check that the details match your account, then call the store at (848) 500-9333. For a delivery order, contact the store before the driver arrives so your order is not delayed.
FAQ
Does CREAM accept Pay By Bank?
Yes, for all deliveries.
What payment methods does CREAM accept in store?
Our site doesn’t list them. Call (848) 500-9333 to confirm.
Why can’t I just use my card?
Cannabis remains illegal under federal law, which limits standard card processing for many dispensaries.
Where are the details of Pay By Bank?
In CREAM’s terms, and on the checkout screen.
Shop CREAM
Browse the menu, or call (848) 500-9333 with payment questions. CREAM is at 284 1st Street, Downtown Jersey City. Adult-use only — 21+ with valid ID. Please consume responsibly.