How to Pay at a Queens Dispensary
At Terp Bros NYC's two Queens dispensaries, in-store payment is cash or debit card only - no licensed New York dispensary processes credit cards, because cannabis is still federally illegal and the major card networks do not handle cannabis transactions. Both stores keep an ATM on-site, so you can withdraw cash if you arrive with only a credit card. Delivery works differently: every order is prepaid online through Dutchie Pay before your driver leaves, so there is no cash, debit, or card payment at the door. This page covers how to pay in-store and for delivery, tipping, and your receipt and taxes. See the live /menu, check coverage at /cannabis-delivery, or find a location at /dispensary-queens.
How to Pay at a Queens Dispensary
At Terp Bros NYC's two Queens dispensaries, in-store payment is cash or debit card only - no licensed New York dispensary processes credit cards, because cannabis is still federally illegal and the major card networks do not handle cannabis transactions. Both stores keep an ATM on-site, so you can withdraw cash if you arrive with only a credit card. Delivery works differently: every order is prepaid online through Dutchie Pay before your driver leaves, so there is no cash, debit, or card payment at the door. This page covers how to pay in-store and for delivery, tipping, and your receipt and taxes. See the live /menu, check coverage at /cannabis-delivery, or find a location at /dispensary-queens.
Can You Pay With a Card at Terp Bros?
You can pay with a debit card or cash in-store, but not a credit card. Debit transactions are PIN-based (you will usually enter your debit PIN, and some purchases are rounded to the nearest dollar), while cash is always accepted at full value. Credit cards - Visa, Mastercard, American Express, Discover - cannot be used at Terp Bros or at any other legal New York dispensary. This is not a store policy or a way to avoid fees; it is a federal banking limitation, so the rule is the same at every OCM-licensed store in Queens: cash or debit in person, credit card never. If you only have a credit card, use the in-store ATM to get cash (see below). For ways to spend less per visit, see /deals.
Why No Credit Cards Anywhere? (The Federal Banking Reason)
Credit cards are blocked at cannabis dispensaries nationwide because cannabis is still illegal under federal law, even where it is legal under state law like in New York. Visa, Mastercard, American Express, and Discover all operate under federal banking rules, so they will not knowingly route a cannabis purchase across their networks. Banks face the same conflict: agencies such as FinCEN apply strict scrutiny under the Bank Secrecy Act, which makes most banks unwilling to provide credit-card merchant services to cannabis retailers. You may have seen "cashless ATM" or quasi-card terminals at some shops; those are network workarounds that can be shut off without warning, which is why a compliant store keeps it simple with cash, PIN debit, and prepaid online checkout.
Is There an ATM at Terp Bros?
Yes. Both Terp Bros locations - Astoria at 36-10 Ditmars Blvd and Ozone Park at 135-26 Cross Bay Blvd - have an ATM on-site, so you can withdraw cash before you check out. This matters most if you walked in with only a credit card. As with any ATM, the machine may charge a withdrawal fee and your bank may add a separate fee, so it is usually cheaper to bring cash or use your debit card directly at the register. Withdraw a little more than your expected total to cover tax and a tip. To skip the ATM, price your basket on the live /menu before you arrive, then bring the cash or debit card to match.
How Do You Pay for Delivery?
Delivery is prepaid online with Dutchie Pay - you do not pay the driver with cash, debit, or a credit card at the door. When you place a same-day Queens delivery order on the Terp Bros menu, you complete payment at online checkout through Dutchie Pay, a bank-account-linked (ACH) method, not a credit-card charge. Your driver arrives with a sealed, already-paid order; an adult 21 or older with a valid ID matching the order must receive it. Because payment is settled before the driver leaves, there is no card terminal or cash handling at your doorstep. Delivery is same-day Queens-wide, $5 flat and free over $100, with an order-by-9pm cutoff. Set up Dutchie Pay once and future orders check out faster. Full terms and your neighborhood are at /cannabis-delivery.
How Does Tipping Work?
Tipping is optional and always appreciated, but never required. In-store, budtenders are happy to help whether or not you tip; if you would like to leave one, cash is simplest since the register handles cash and PIN debit only. For delivery, have a cash tip ready at the door - because the order is prepaid through Dutchie Pay, cash is a clean, direct way to thank your driver - or add a digital tip at online checkout if one appears. A common guideline is a few dollars or roughly 10 to 20 percent on a delivery, but the amount is up to you. If you are using the in-store ATM, pull a little extra so a tip does not require a second trip.
What's on the Receipt - and How Much Is Tax?
Your Terp Bros receipt itemizes each product plus New York's cannabis taxes, so the checkout total is higher than the menu shelf price. New York applies a 9% state cannabis excise tax and a 4% local cannabis tax on adult-use retail purchases, for a combined 13% built into your bill (cannabis.ny.gov, tax.ny.gov). Pricing your basket on the /menu first helps you bring enough cash. Keep your receipt - it shows the store's license number (OCM-CAURD-23-000020 for Astoria, OCM-CAURD-25-000294 for Ozone Park). For delivery, your Dutchie Pay confirmation is the digital receipt. Tax rates can change - confirm current figures at tax.ny.gov.
Is the Purchase Itself Legal? What to Bring
Only an OCM-licensed retailer may legally sell cannabis in New York under the Marihuana Regulation and Taxation Act (MRTA); buying from an unlicensed seller is illegal and those products are untested (cannabis.ny.gov). Adults 21 and older may possess up to 3 ounces of cannabis and up to 24 grams of concentrate. Bring a valid, unexpired government-issued photo ID showing you are 21 or older (checked at the door, at checkout, and at delivery hand-off) and your payment - cash or PIN debit in-store, or Dutchie Pay for delivery. First-time shopper? See /first-time-customers. Laws change - verify at cannabis.ny.gov.
*Can you pay with a card at a Queens dispensary?* You can pay with a debit card (PIN-based) or cash in-store at Terp Bros, but not a credit card. No legal New York dispensary accepts credit cards, due to federal banking rules. Delivery is prepaid online with Dutchie Pay.
Why don't dispensaries take credit cards? Cannabis is still federally illegal as a Schedule I substance, so Visa, Mastercard, Amex, and Discover will not process cannabis sales and most banks will not provide credit-card merchant services to dispensaries. It is a federal limitation, not a store policy.
Is there an ATM at Terp Bros? Yes. Both the Astoria (36-10 Ditmars Blvd) and Ozone Park (135-26 Cross Bay Blvd) stores have an on-site ATM. ATM and bank fees may apply, so cash or debit you bring is usually cheaper.
How do I pay for delivery? Delivery is prepaid online through Dutchie Pay (a bank-linked ACH method) before the driver leaves - no cash, debit, or credit card at the door. An adult 21 or older with a matching ID must receive the sealed order.
Do I tip the budtender or delivery driver? Tipping is optional and appreciated, never required. In-store, cash is simplest. For delivery, have a cash tip ready at the door, or add a digital tip at checkout if offered.
How much is cannabis tax in New York? Adult-use retail purchases carry a 9% state cannabis excise tax plus a 4% local cannabis tax - about 13% combined - added at checkout. Confirm current rates at tax.ny.gov. Laws change - verify at cannabis.ny.gov.
Do I get a receipt? Yes. In-store you receive an itemized receipt showing products, the combined cannabis tax, and the store's OCM license number - proof of a legal, tested purchase. For delivery, your Dutchie Pay confirmation is your digital receipt.
Frequently Asked Questions
Can you pay with a card at a Queens dispensary?
Why don't dispensaries take credit cards?
Is there an ATM at Terp Bros?
How do I pay for delivery?
Do I tip the budtender or delivery driver?
How much is cannabis tax in New York?
Do I get a receipt?
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