Lounges & shops
- Counter and lounge payments, with tipping
- Inventory by SKU, from single sticks to boxes
- Gift cards and a loyalty program for regulars
- Sales reports by day, product, and staff
Card and ACH processing for cigar lounges, cigar manufacturers, and premium tobacco distribution. Set up by people who know the business, priced so you can read your statement.

Cigar Payments is a tobacco merchant account and processing service started by people who came out of the cigar business and got tired of being treated like a risk instead of a customer.
Most processors see the word “tobacco” and reach for a one-size-fits-all program: a high flat rate, vague terms, and an account that can be closed with a form letter. We set up credit card processing for cigar lounges, shops, manufacturers, and distributors with the industry in mind from the first conversation, so your account is built for what you actually sell.
Why pay a flat rate with inflated Amex pricing when only a fraction of your sales are on Amex?
Instead of a package, you get a pricing structure you can follow line by line, built around your card mix and the way you take payment. Send us a recent statement and we will show you, line by line, what you are paying now and what a cigar-specific program would change.
Alongside processing, we set up the tools that make a cigar business run smoother: POS systems for the counter and the lounge, invoicing and ACH for wholesale, and B2B tools for distributors.
Read our storyThree very different ways of selling the same product. Each gets its own setup.
You choose the configuration. We build the program around how you sell: counter, lounge, wholesale, or all three.
See sales by day, product, and location so reorders and staffing are based on numbers.
Bill wholesale accounts, track stock by SKU, and keep the books in step with QuickBooks.
Tools for the corporate and purchasing cards your wholesale customers pay with.
Ask us about term length and cancellation before you sign. We will put the answer in writing.
Every fee on your program is listed up front, in your agreement, before you board.
Ask about hardware options for your counter, lounge, or warehouse.
Before you sign, we walk you through how settlement, reserves, and holds work on your account, in plain English.
Three systems, set up for how you sell. We help you pick the one that fits your counter, your lounge, or your warehouse.

One dashboard for card and ACH payments, invoices, and recurring billing. A good fit for manufacturers and distributors who bill wholesale accounts, and for shops that also sell online or by phone.

MX Retail POS for walk-in humidors and tobacco shops: multiple SKUs and barcodes per item, vendor part numbers, low-stock triggers, and returns handled at the counter.

Clover for lounges and shops that want countertop and handheld devices, tipping, gift cards, and a loyalty program for regulars, with an app market when you need more.
Interchange is what the card networks charge. Our markup sits on top of it, flat and visible, so you can see what an Amex sale costs next to a debit sale. Interchange plus one flat, published markup, quoted for your business before you board.
Prefer not to absorb card fees at all? MX Advantage lets you add a surcharge to credit card sales, where card-brand rules and state law allow it.
How our pricing worksSet by Visa, Mastercard, Amex, and Discover. Varies by card type.
Published, flat, and quoted before you board.
Tell us about your lounge, shop, or distribution business and a Cigar Payments specialist will be in touch. If you have a recent processing statement, mention it. It is the fastest way to see what would change.