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“Given this complexity, we continue to monitor the situation, seek guidance from regulators and inform merchant acquirers of any new developments.” Many banks won’t extend basic banking services to marijuana dispensaries, meaning checks can’t be used for payment either.

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“Often retailers are reluctant to accept credit cards for lottery purchases (because) their sales commission is reduced by the swipe fees they would have to pay on the transaction.” Even if you’re in the right state at the right retailer, American Express and Discover won’t be one of the cards you use to make that purchase.

It’s a pricey way to play because most credit cards charge interest on cash advances immediately after the advance is issued.

In addition, you’re likely to be charged an ATM fee from your bank plus a surcharge from the company that owns the ATM. Many card companies, and several states including California, Colorado, Connecticut, Georgia, Iowa and Wisconsin, prohibit the purchase of lotto tickets with credit cards.

“Most merchant services companies do not want to accept credit card transactions from cannabis businesses,” says Kristi Kelly, executive director of the Marijuana Industry Group, a non-profit trade organization for licensed cannabis businesses. Discover and American Express confirmed they don’t allow cardholders to buy medical or recreational marijuana. Mastercard pleads the Fifth, acknowledging the legality isn’t clear-cut.