ACCEPT CREDIT CARDS WITH ZERO FEES

Number 1 Cash Discount and Surcharge programs in the Nation.
Fast and Secure Payment Processing Solutions

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Leading Payment Provider Nationwide

SmartCards is a leading payment provider specialized in small to medium size retail processing. We offer fast, secure, and reliable solutions for all your payment processing needs to our customers nationwide.

We have more than 15 years of experience and a registered MSP with MasterCard. Our systems are used by

  • Grocery stores
  • Pizzerias
  • Restaurants
  • Bars
  • Nightclubs
  • Salon and spas
  • Retail stores
  • Service industry

WE NOW OFFER TRUE DAILY FUNDING! You can get deposits from credit card transactions same day!!!

Click here to learn more!
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PCI Compliance

PCI Compliance made easy! We offer in house PCI compliance support to make sure your business is complaint with the latest industry security standards. We take care of the process, so you can focus on running your business while we secure your data. And you save money on non-compliance fees other processors impose! We offer tokenization and encryption to keep the hackers away.

SmartCards
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Cash Discount

What is a Cash Discount?

A Cash Discount Program was created for merchants as a secure way to pass on card costs to customers. With a Cash Discount, merchants save up to 100% on credit card costs. A Cash Discount is when a merchant offers a discounted price to their customers who pay with cash and our terminal takes care of calculating the costs so you don’t have to! This can be done one of two ways:
Cash Discounting – The merchant’s displayed prices are discounted at the point of sale. Reverse Cash Discounting – The merchant assesses a Customer Service Fee to their customers. The fee is typically between 3%-3.85% and is close to the amount billed to the merchant for their processing fees. This helps to reduce or eliminate the merchant’s processing fees.
To ensure the legality of the program the merchant posts a policy advising, a proper signage which we send, a Customer Service Fee is assessed at the location. They also post a policy offering a discount to customers paying with cash. The Customer Service Fee and the Discount should be in line with the processing fee billed to the merchant and we take care of the rest!
PIN Debit, EBT, WEX and Voyager do NOT support Cash Discounting nor Surcharge.

We also offer a Surcharge Program.

Services We Offer

SmartCards

Reward Cash-Paying Customers

We not only eliminate your business’s card fees with our non-cash charge, but we also encourage your customers to pay with cash. It helps you further avoid card fees and putting cash straight into your pocket. SmartCards gives your business the unique ability to reward cash-paying customers by giving them a lower price.

SmartCards

Accept Card Payments Anywhere

Our clients have access to a suite of new POS systems and terminals that allow them to take payments anywhere on-a-go. You will be able to accept payments at any given time and open your business to a new world of opportunities and profitability.

We give your business a unique ability to reward cash-paying customers by offering them a lower price.

SmartCards

Keep 100% of Your Sales

SmartCard lets you keep all your profits by eliminating your credit and debit card processing fees bypassing the fees onto the customer. A non-cash charge is automatically implemented in each transaction made using a credit or debit card. The non-cash charge covers interchange costs, authorization costs, credit transaction costs, and merchant support.

SmartCards

Social Distancing Solution

SmartCards provide certified merchant safety stickers to be placed at the entry point that indicates that your business is following all the safety protocols for the safety of employees and customers.

We also provide contactless and antimicrobial equipment that protects your customers and employees from the spread of harmful germs.

SmartCards

Contactless Payment

Our contactless payment options allow you to process payments without having to touch the customers’ cards physically. All of our featured Dejavoo and Pax terminals and pin pads are equipped with a contactless payment option that can accept eWallet payments.

Our Solutions

  • Next and same day funding
  • EMV and contactless
  • EDCC
  • IVR payments
  • POS system
  • Talech IPAD POS system
  • NCR Silver POS system
  • POYNT smart terminals
  • Acceptance of all major cards
  • Ecommerce verification solutions
  • Mobile payments with EMV reader and pin based debit enabled
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Our Offer to You

As a payment processor, we are focused on providing you with the best processing tools to streamline your day-to-day business operations.

We strive to use new and emerging technologies to adapt to the ever-changing industry trends and help you achieve your financial goals.

Check out our True Daily Funding Solution!

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POYNT Payment Terminal

All payments, accepted all the time
You offer your customers the products and services they love; don’t forget to let them pay the way they like.

  • EMV
  • NFC
  • Mag stripe
  • Gift card
  • EBT
  • Cash
  • Credit card
SmartCards

One Place for All Your Business Needs

As one of the leading providers of merchant services throughout the country, Smart Cards is the trusted source by thousands of businesses for credit card processing, E-commerce, check conversion, ACH, gift cards, loyalty cards, and zero cost credit card processing.

SmartCards
SmartCards

Advantages

  • Bundled pricing
  • Flat Fee pricing
  • Quick and easy system
  • POS Systems
  • Zero cost processing
  • No hidden fees
  • The latest and most secure technology
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