Convenience Stores & Smoke Shops
Free POS for your counter. Zero-cost processing if you want it.
Convenience stores, corner markets and smoke shops. Cash discount and surcharge programs get your effective rate near zero — legally, in all 50 states.
- No contracts or cancellation fees
- Free terminal or POS placement
- 24/7 human support
- Approvals in 24–48 hours
What we actually fix
The four problems we hear from convenience & smoke shops every week.
Small tickets, big per-item fees
A $4 sale with a 10-cent authorization fee is a different math problem than a $400 sale. We price per-item separately so it stops hiding.
Age-restricted inventory
Tobacco, vape and kratom sales need ID prompts at the register and underwriting that will not drop you in 90 days. We place these accounts every week.
Cash discount confusion
Done right, a compliant cash discount program is legal nationwide. We build the signage, program the POS, and keep you inside card brand rules.
Inventory you cannot see
Scan-based reporting tells you what actually moves. Most corner stores are guessing on 30% of their shelf.
Recommended setup
NRS POS — free placement
Free National Retail Solutions POS with scanner, cash drawer, customer-facing screen, age verification prompts and UPC catalog. Free Dejavoo terminal if you only need a card device.
Placed free on qualifying volume — no lease, no purchase
“We went cash discount on a Tuesday. First full month, processing cost dropped to the monthly fee and we did not lose a single regular customer.”
Run your numbers
Pre-loaded with typical numbers for your industry.
Change them to match your business. The math is transparent interchange-plus and the result is an estimate, not a quote.
Savings estimator
What are you actually paying to accept cards?
Four inputs. Transparent interchange-plus math, shown line by line. No email required to see the number.
No statement handy? We assume 3.05% — the blended rate we see most often on flat-rate and bundled accounts.
Estimated savings
Cash discount fits better$0/ month
$0 a year
- What you pay today
- $1,983/mo
- Estimated Terrab cost(3.16% effective)
- $2,055/mo
- With cash discount (0.04% effective)
- $1,958/mo saved
Straight answer: at this volume our $39.99 monthly fee is bigger than the rate saving, so interchange-plus would cost you about $73/mo more than you pay now. The cash discount program above is the one that saves you money at this size — or call and we will tell you honestly if you are already priced well.
Interchange-plus model: interchange 1.80% + $0.10 per item, plus a 0.05% + $0.05 markup and a $39.99 monthly service fee, disclosed up front and never changed without notice. This is an estimate, not a quote — your real number depends on your card mix and comes from your statement.
Accounts placed through our processor and banking network
Free statement analysis
Get convenience & smoke shops pricing in writing.
One recent statement is all we need. No contract, no obligation, and you keep the analysis either way.
Terrab Solutions is a registered agent/ISO partner. Rates and approval subject to underwriting. Estimates are not a binding quote.
Straight answers
Common questions
Interchange is the non-negotiable fee the card-issuing bank charges on every transaction — roughly 1.5% to 2.2% plus a per-item fee depending on the card and how it is run. Nobody can discount interchange. What an agent controls is the markup on top of it. We quote interchange-plus so you can see the markup as its own line instead of one blended number that hides it.
Other industries we serve