The Modern Closed-Loop Payments Platform Built for Cannabis
Stable, secure, and designed for CRB merchants without major card-brand exposure. Finally, payments the cannabis industry can trust.
Built by Payments Veterans. Designed for Cannabis. Compliant from Day One.
State-legal cannabis businesses have been underserved and overlooked by traditional payment processors.
Lüt changes that.
Supported through a strategic partnership with First Federal Bank (FFB), Lüt delivers a fully compliant closed-loop system built by a payments and banking “A-team” spanning IBM, Goldman Sachs, JPMorgan Chase, Citibank, PNC, Salesforce, and more.

Lüt is veteran-owned and built to serve America’s fastest-growing industry with safety, speed, and unprecedented stability.
HOW IT WORKS
A simple, secure closed-loop network connecting consumers, merchants, and banks.
Consumers load funds
They pay exact transaction amounts in-store, online, or via delivery, no cash required
Merchants receive settlement within 24 hours straight to their bank account
No major card brands. No card network shutdown risk. No headaches.
BENEFITS
A reliable, fully compliant payment platform built for the cannabis industry, Lüt streamlines operations, reduces cash handling, and provides the transaction insights retailers need to make smarter decisions. It also delivers fast, secure checkout experiences that feel as seamless as any retail purchase, giving customers flexibility, privacy, and confidence every time they pay.
For Merchants
A reliable, fully compliant payment platform built for the cannabis industry. Lüt helps retailers streamline operations, reduce cash handling, and gain valuable transaction insights that drive smarter business decisions.
This means:
No card network shutdown risk
Reduce cash handling
Settlement directly to your bank in 24 hours
Supports in-store, delivery & e-commerce
Low fees
Zero NSF exposure
PCI Level 1 + SOC 2 Type 2 certified
Residual income opportunities for staff
For Consumers
Fast, secure, and compliant checkout experiences that make purchasing cannabis as seamless as any other retail transaction. Lüt gives customers flexibility, privacy, and confidence every time they pay.
This means:
Exact purchase amounts - no cash needed
FDIC-insured through partner bank*
Encrypted + secure
Cash-back rewards on every qualified transaction
WHY CLOSED-LOOP?
Traditional payment rails weren’t built for cannabis.
Lüt eliminates single points of failure, avoids card-brand interference, and helps CRBs operate confidently without fear of shutdowns or fines.
THE TECH (MODERN + SCALABLE)
Lüt is the most modern payment processor in 40 years, built on patent-pending architecture that runs across AWS, Google, and Microsoft Azure simultaneously.
This means:
IInstant global scaling
End-to-end encryption
PCI / Level 1
SOC 2 Type 2
Digital onboarding
APIs for fast integration
CockroachDB databases for resilience
Customer data remains in the U.S.-based data centers to support banking compliance.
WHO WE SERVE
Legal cannabis retailer
Lüt helps simplify payments, reduce risk, and improve customer checkout experiences both in-store and online.
Delivery operators
Lüt provides fast, compliant digital transactions that integrate smoothly with delivery workflows and point-of-sale systems.
Online marketplaces
Lüt ensures secure, scalable payment processing and transparent reconciliation across all transactions, building trust at every step.
Explore Lüt’s Fully Compliant Payment System
Choose how you want to learn more—meet at MJBizCon, see a demo, or download the one-pager.
