The banks are making merchants pay for cash back rewards, air miles, and other perks given to cardholders for their credit card purchases. They advertise these benefits knowing they aren't going to pay for them, but they are going to make merchants foot the bill. Perfectly legal and allowable, you can now encourage your customers to pay by debit card with no extra cost.

However, if they pay by credit card the machine will automatically add 3.00% to cover the costs of your accepting their card. We put this fee towards your credit card processing costs so you do not have to count it as income nor pay taxes on it. This leaves you with significant bottom line savings every single month.

Our Guarantee

Try surcharge for 31 days and if you don't like it, no problem. We will switch your account back to traditional processing. No contract. Ever.

Pure StokeĀ®

"I am a huge fan of Smart Merchants. Every employee of this company that I have worked with has given Pure StokeĀ® tip-top customer care and support."

Mad Statter

"Not only does this company provide competitive pricing they also have the patience to explain how their pricing works and they give you tips on how to make sure you get the best rate."