DNA Smart Pay's cash discount program eliminates your credit card processing fees entirely. Free terminal. Free setup. Free processing. You keep every dollar.
The cash discount program is a fully compliant way to eliminate your credit card processing costs. Here's how it works:
You get a free, state-of-the-art payment terminal that automatically applies the cash discount program. No complicated setup — we handle everything.
Your listed prices become your cash prices. Customers who pay with credit cards see a small service fee added at checkout — just like at gas stations.
The service fee covers the processing cost. You receive the full cash price amount for every transaction — no more losing 3-4% on every swipe.
If you accept credit cards, you're losing thousands every year. DNA Smart Pay works for any merchant — especially these industries.
High volume, thin margins. Keep every dollar from every order instead of giving 3%+ to processors.
Hundreds of daily transactions add up fast. Stop watching your profits disappear to processing fees.
Big-ticket repairs mean big processing fees. Save hundreds per job with zero-cost processing.
High-value services with predictable payments. Eliminate fees on procedures worth thousands.
Every card swipe eats your margin. Cash discount keeps your markup where it belongs — in your pocket.
From salons to laundromats to local shops. If you take cards, you qualify for free processing.
High-risk label from other processors? Not here. We serve smoke and vape shops — with account stability guaranteed.
Specialized retailers that other processors drop without warning. We welcome your business and protect your account.
Most payment processors label smoke shops and vape stores as "high-risk" — then use that label to freeze your account, raise your rates after 90 days, or terminate your merchant account with zero warning. You're left unable to take cards overnight.
DNA Smart Pay is built for merchants other processors don't want. We've served smoke shops, vape retailers, tobacco stores, and CBD shops for years — and we have never cancelled an account based on product type.
We don't terminate accounts because of what you sell. Smoke, vape, tobacco, CBD — all welcome, all protected.
No high-risk surcharge. Same zero-fee cash discount program as every other merchant we serve.
A real person picks up when you call. No bots, no 3-day email queues, no runaround.
The average business processing $100K/month in credit cards pays $3,000+ in fees. With DNA Smart Pay, that number drops to zero.
No fees. No contracts. No catch. Just fill out a quick application and we'll have you set up within 24 hours.
Apply Now — It's Free →