Call it what you want. Merchant services, Finance, Payment, whatever. For lack of a better word, I'll call it a bank. They provide bank-like services involving high-risk funds. That is not in dispute. The fact remains it exists, is operating, is collecting massive fees, has major partnerships with Cannatrac and Grapefruit, and will belong to GRNF soon.
Call Finncan, Hypur, Shift, Naturepay or any of the dozens of similar cannabis banking services and ask them if they're legit or not.