What smoke shops in Garland pay in card fees, and how to get some of it back.
Smoke shops live on the card reader. Low tickets, high frequency, all day long, which means the standard about 3% card fee quietly takes more from a smoke shop than almost any other business on the block.
It is the same story along Garland Road and around the downtown square. The card company takes its cut before you count a dollar. Here is what is different with us: 20% of that cut comes back. We match the credit card processing rate you pay today, and every month we send you 20% of our cut.
A typical Garland smoke shop runs about $30,000 a month in cards.
| Who you use | What you pay | What comes back |
|---|---|---|
| Flat-rate reader (Square, Clover Go, Toast) | 2.9% to 3.5% and up | Nothing |
| An old-school card company plus monthly fees | 2.3% to 3.0% plus fees | Nothing |
| Pacta | Same rate you pay now | 20% of our cut, every month |
Every card company keeps a cut of your sales. We send 20% of our cut back to you, every month. We show you your exact dollar amount on the call, in writing, before you sign anything. The program costs $24.99 a month, and you still pay the card fee on refunds. One tip when you compare card companies: the rate they advertise is never the real number. Take one month, add up every fee, and divide by your card sales. That is what you really pay, and it is almost always more than the rate you were quoted.
Nothing at the counter changes.
We match your rate.
Whatever you pay today becomes your rate with us. Nothing to argue about. Most people are approved in one business day.
A free terminal shows up ready.
It arrives with your prices already in it, and a dashboard to run everything from. A person walks your staff through it.
Cash back, every month.
20% of our cut, in your bank. The first one comes about six weeks after you start. Your money lands the same business day on most accounts, and there is no contract.
Straight answers.
What do smoke shops usually pay in processing fees?
Most independent smoke shops run 2.8% to 3.5% all-in once you count per-sale fees, monthly fees, and PCI charges. On $30,000/month in card sales that's $850 to $1,050 every month.
Is a smoke shop considered high-risk for processing?
Some processors treat tobacco and vape as restricted and either decline or overcharge. Pacta places smoke and vape shops routinely, it's one of our core verticals, priced like any other counter business.
Other trades in Garland
Smoke Shops somewhere else
See your real number.
Tell us what your smoke shop runs on cards in a month. Fifteen minutes, and the math is yours to keep either way.