Learn how much you can save after implementing a cash discount program for smoke shops. Keep in mind, Smoke Shop surcharge programs vary by state.

Monthly Savings*


Estimate the monthly savings when you pay 0% processing fees via our surcharge or cash discount program.

Monthly Credit Card Sales: $10,000 / Month

* Estimated Savings Per Month Based on a 3.5% Average Credit Card Processing Rate.

Smoke shop cash discount programs have been onboarding onto our cash discount program at a frequent rate. Whether you choose to implement a smoke shop surcharge program or cash discount program, the choice is yours. Both have their advantages which will be reviewed. The reason for implementing either is clear, to eliminate all processing fees associated with accepting credit cards.


The merchant processing industry is notorious for hiding fees. Whether it is software fees, gateway fees, monthly fees, annual fees, equipment fees, etc. The list goes on and on. Savvy business owners now realize these fees do not need to be paid. In short, a commissioned sales agent and their company are padding their pocket with these fees. These merchant processing fees for smokeshops are not mandatory. Eliminate Card Fees built a cash discount program for Smoke Shops to eliminate all these fees while giving free equipment to qualifying businesses.


Many owners want to know how much money can be saved. View our dynamic cash discount program savings estimator below. Slide the bar until you reach your gross credit card sales volume to estimate your savings. You can use funds to re-invest into marketing, buy more inventory, hire staff, open a new location, give yourself a raise, whatever you want! It is no secret that the cost of goods and the cost of labor has gone up, you now have the chance at an innovative way to eliminate unnecessary expenses.

The cash discount program offered by Eliminate Card Fees is packed with benefits. The value is not just in eliminating your processing fees. It helps to grow your business too.


The equipment that is offered to merchants at no cost (Just do $10,000 a month in processing volume), comes packed with technology. You can expect features such as text marketing, cross-marketing, happy anniversary and birthday messages, and more. Using outdated equipment is akin to using a Motorola Flip Phone.


While we eliminate all of the random fees that most merchant companies add, you will also enjoy going to a 0% effective processing rate. Visa, Mastercard, American Express, & Discover must always be paid. However, our customers who implement the cash discount program or surcharge program add the cost of accepting credit cards into their pricing. It allows customers a choice to pay with cash or pay a non-cash adjusted rate. Merchant processing companies generally charge a high-risk adjustment, meaning your processing fees are generally higher due to many factors such as increase of crime in the radius of a smoke shop.


Most of the time, if you get solicited for merchant processing services you are being offered a slight reduction. Some companies that pay processing fees are on interchange plus pricing, meaning whatever the wholesale rate is, it is marked up. That is why everyone says the can save you money. However, once you make the switch to EliminateCardFees.com, you’ll enjoy a 0% merchant processing rate for good. No one can ever save you more money because you pay nothing.


You might be thinking this sounds great, but what if you don’t like it? There are no cancellation fees if you want to go back to your old way of processing. In fact, you can keep the equipment if you switch to our interchange plus solution should you want to return to paying the merchant processing fees. If you want to change providers, that’s fine too! There are no cancellation fees, just return the free equipment provided and you’re good to go.


In terms of customer experience, it couldn’t be smoother. At checkout, customers are provided with two options. A cash price. A non-cash price. If they choose a non-cash price, the rate of accepting credit cards is added to the cost. If they choose cash, they will pay the cash price.


Unlike a blanket price increase to offset the rising costs, you’re merely giving your customers an option about how they pay. If they choose to pay with a method that costs your business money, you’re just passing the exact charges you’d absorb. If they want to save a bit of money, they can pay with cash. A true win-win.

google pay apple pay cash discount programs
google pay apple pay cash discount programs
The key advantages of using Google Pay & Apple Pay cash discount programs are consumer convenience. A perfect example recently happened in my personal life. I ran out the door to bring my two kids to the park and had a blast. Afterwards, they got hungry and requested McDonalds. I pulled into the drive through and forgot my wallet! Rather than entertain the thought to go 10 minutes home then 10 minutes back, I remembered I could use Google Pay! This made my day.
Now for the merchant, if I wouldn’t have been able to use Google Pay then they potentially could’ve lost my business. When I went home to grab my wallet, I likely would’ve just tried to make the kids some food at home. I don’t think there is one larger advantage than keeping a customer to place an order as opposed to having a customer leave because they forgot their primary payment method.

Disadvantages of Google Pay & Apple Pay Cash Discount Programs

As for consumer disadvantages of using Apple Pay or Google Pay cash discount programs, there would be a couple. In my opinion it is battery life and the requirement of internet connectivity. If you have no internet or a phone with no battery, this payment method will simply not work.
There are also a couple merchant disadvantages as well. One would be the requirement to have a modern terminal. Most companies charge for modern terminals or to upgrade an existing terminal. So there would be a cost associated with it. Another large disadvantage similar to card transactions is that payments can be disputed.
Both Google Pay & Apple Pay have have partnered with various POS systems and payment processors to accelerate adoption. The more integrations they are able to accomplish, the less likely a merchant will need to upgrade their terminal. This has had a profound impact on adoption as a merchant would gladly accept this form of payment as from their side it is nearly identical to accepting cards.

What Our Internal Data Says About Apple Pay & Google Pay

Based on our internal data, recent changes have made U.S retailers happy to accept Google Pay & Apply Pay. When the Covid-19 pandemic hit, when businesses re-opened they did not want to handle cash which may be covered in a virus which was spread very easily. This would put their staff in danger of acquiring the virus which is avoidable with contactless payments. Supermoney wrote an incredible article on Apple Pay & Google Pay and includes some great takes on the topic.

Google Pay & Apple Pay have evolved greatly. In my opinion, it is mainly about integrations. For instance, you can now use Google Pay & Apply Pay with public transportation. I expect to see continued integrations so utilizing this payment will be as popular as utilizing a credit card. In the future, I see more countries will be able to utilize this innovative payment technologies in which the advantages greatly outweigh the disadvantage for both the consumer and the merchant. Google Pay & Apple Pay cash discount programs will continue to thrive and take marketshare in our opinion.

17 Oct, 2023

Something to keep in mind when you are wanting to eliminate all of your credit card processing fees is that you have primarily two options. You can opt for a cash discount program or a surcharge program. Both are exactly the same when it comes to eliminating the credit card processing fees but the programs differ when one chooses to pay with cash.

Both of these programs have their advantages and disadvantages which we will review on this blog post. The goal is to help those who are unsure which direction to take when comparing a surcharge program vs a cash discount program.

The reason why most people get this far into the research process is simple. Instantly realizing an extra 3%+ on gross revenue (if a majority is credit card sales) is an attractive proposition. To become more profitable, you must cut expenses or increase sales. You can turbocharge your business by utilizing the savings to fuel additional advertising or marketing efforts proven to yield a positive ROI. But let’s take a look at when you could use each program.

When You Could Choose a Cash Discount Program

A cash discount program works great in commoditized industries. This is because you can attract customers by marketing your cash discount program that cares about deals. Most people prefer coupons and saving money, especially with high inflation. Some examples include convenience stores, grocery stores, gas stations, etc.

You can buy a coca cola anywhere but instead of you paying the credit card processing fees and receiving 3.5% less, you offer that discount to the customer. This enables you to stand out from all the other companies just doing the status quo and expecting to grow.

Also keep in mind that while the marketing sounds great, many people will happily pay more money for the convenience of using their cards. Want a perfect example? How often do you run into the gas station to save a few extra percent on gas? Sure – some people do. Based on my observations nearly every single car always inserts their card into the gas station pump.

When You Could Choose a Surcharge Program

A surcharge program works great in non-commoditized industries. You might be thinking, when is price ever secondary!? There are a few industries! Such as hotels that always charge resort surcharges, parking surcharges, and credit card surcharges will just be looked upon as “another” expense, etc.

Also consider plastic surgeons or cosmetic dentists, many patients will search for days, weeks, or months to find the perfect surgeon by analyzing their before and afters. Surely a customer who has gone through extreme due diligence wouldn’t mind paying an extra 3.5% to 4%. In fact, recently after getting new tires there was a sign in the shop that said all credit card transactions will incur a 4% non-cash rate adjustment. So even auto repair shops are using surcharge programs.

Surcharge programs work great if you prefer not to give a cash discount to your customers and be ultra-profitable with the transition from traditional processing to a surcharge program. You’ll have your credit card fees covered and cash covered, netting 100% of the sale price every time.

12 Sep, 2023

Eliminate Card Processing Fees

Zero Setup Fees

No More Annual Rate Hikes

Increase Net Revenue. Instantly.

Free Point of Sale Terminal* (POS)

No Contracts

Eliminate Credit Card Processing Fees!

Now we’ll review what a typically transaction would look like for a customer. Let’s say your average order value is $52.00.


Once you ring up your customer, a client will see on the terminal that amount owed is $52.


The client will see a cash price and the client will see a card price.


If the cash option is chosen they will pay the $49.92 as they will receive a 4% cash discount.


If the card option is chosen they will pay $54.08 as they will incur a non-cash rate adjustment of 4%.


Currently, you might pay a higher rate than 4% as Smoke Shops can be considered high-risk businesses to many merchants. Our goal is to offset these high fees and bring your effective rate to 0% while staying compliant with the card brands and their rules.


Give us a call today to implement this amazing program which will help grow your business while eliminating fees and costing you absolutely nothing.

Request a Call With Us


Give us a call at 877.624.8043 or fill out the form and a representative will reach out to you to answer any questions and send you the application to begin.


There are no setup fees. After approval, you will receive a free terminal that automates the cash discount program. There is no money out of pocket.


Our team will analyze your historical rates to identify a discount rate that is applicable to you. Typical rates are 3-4%.


To maintain compliance, you will have to post the signage. This is also great as it shows customers that you offer a cash discount!