Spendr and Aeropay both offer cannabis pay-by-bank (ACH), but only one does more than move money. Aeropay is a pay-by-bank network embedded in many POS and ecommerce platforms, and it is payments only. Spendr is pay-by-bank plus Spendr-funded rewards for your customers and marketing that brings them back. It works with any POS, and customers can pay in the app or on the web with no download required (Spendr publishes a 22% average increase in transaction value). Choose Aeropay if you only want payments; choose Spendr if you want a payments partner that invests in growing your store.
Spendr: Payments + rewards + marketing
Aeropay: Pay-by-bank network embedded in POS and ecommerce; payments only
Spendr: Optional — app or web, no download required
Aeropay: No app needed; bank link happens in checkout
Spendr: QR code or phone → pay from bank (wallet optional)
Aeropay: QR / payment link → bank → pay
Spendr: Spendr-funded rewards, plus retailer and brand rewards and deals
Aeropay: Not a customer rewards program
Spendr: Any POS (Spendr button in Dutchie; Flourish, Treez, Sweed, Weave integrations; offline tender elsewhere)
Aeropay: Broad — Jane, Treez, Flowhub, BLAZE, Weedmaps, more
Spendr: Instant into the merchant’s Spendr account; same-day ACH to the merchant’s bank; every payment guaranteed (no chargeback or return risk)
Aeropay: Same-day or faster settlement; no returns or chargebacks (vendor-reported)
Want pay-by-bank plus Spendr-funded rewards to lift ticket size and return visits.
Run any POS, including Dutchie, Flourish, Treez, Sweed, or Weave.
Want a payments partner that also markets your store.
Only want payments inside the POS or ecommerce tool you already run.
Already have a loyalty program you're happy with.
Priority is reconciliation inside the POS.
Some stores run both.
Aeropay's merchant pitch (goaeropay.com): no returns or chargebacks, same-day-or-faster settlement, bank linking in under 15 seconds, 12,000+ supported banks, and no customer app to download. It is built for low-friction checkout inside the systems a store already uses, and it also powers BLAZEPAY ACH and Flowhub's online pay-by-bank.
Spendr's pitch is pay-by-bank plus a reason for customers to come back: Spendr funds the rewards your customers earn and pays to enroll them in your marketing. Customers can pay in the app or on the web, with no download required.
Trade-off in one line: Aeropay is payments only; Spendr is payments plus Spendr-funded rewards and marketing that grow your store. Written by Spendr; Aeropay details from goaeropay.com and support.aeropay.com, checked October 2026.
Also compare:
What is Spendr? — What Spendr is, how a Spendr payment works, who funds rewards, and how it differs from cash, ATMs, and other pay-by-bank options.
Spendr vs Dutchie Pay by Bank — How Spendr compares with Dutchie's built-in pay-by-bank on settlement, chargebacks, rewards, and POS fit.
Spendr vs BLAZEPAY — How Spendr compares with BLAZE's built-in pay-by-bank on checkout, settlement, tipping, and rewards.
Best cannabis payments for dispensaries (2026) — A Spendr-written buyer's guide to cannabis payment options for dispensaries: pay-by-bank (ACH), POS built-in payments, debit apps, and cashless ATMs.
Spendr for business — Onboarding, merchant tools, and Spendr's published results for dispensaries.