Smoke Shop Cash Discount & Surcharge Program Savings Calculator

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.

An Introduction to Smoke Shop Cash Discount Programs & Surcharge Programs

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.

Reviewing the Benefits of a Cash Discount Surcharge Program or Cash Discount Program

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, 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. vs Other Merchant Providers


Processing Fees?

Setup Fees?

3.5%+ Processing Fees

Termination Fees?

$195 to $1,495+

Hidden Month Fees?

$295 Termination Fee

PCI compliance fees?

Very Common

Setup Total:


$195 to $1,995 Setup

Monthly Fees:


$1,000 to $10,000+

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Are you ready to start paying 0% in processing fees?

Eliminate Credit Card Processing Fees!


Let’s Look at a Real Example of a Smoke Shop Client’s Payment Responsibility

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.

Are you ready to start paying 0% in processing fees?

Eliminate Credit Card Processing Fees!


How to Start Offering a Cash Discount Program


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!