Fair Pricing From Fellow Tobacco Retailers

We're not a tech company profiting from your credit card fees. We're retailers too. Here's our honest pricing.

Software

$5,000one-time

+ $119/month

Unlimited users
Unlimited products
Free training
Unlimited support
Free software updates
SMS marketing
E-commerce integration
All features included

Credit Card Processing

2%average rate

(1.8-2.2%)

Fee pass-through available

= $0

processing cost for retailer

With Fee Pass-Through: $119/month + $5,000 upfront. No transaction fees. No per-user charges. Fair pricing from fellow retailers.

Why Premium Tobacco Processing?

No Shutdown Risk

Square and Clover regularly shut down tobacco accounts. Premium Tobacco Processing is tobacco-friendly. Your account is safe.

Tobacco Compliance

Built for tobacco retail. Understands compliance requirements. No generic processor flagging you as 'high risk.'

Fair Rates

1.8-2.2% average 2%. Competitive rates. Fee pass-through option means you don't pay processing costs.

3-Year Total Cost Comparison

Scenario: $50,000/month in sales, 2 employees

Cost Category	TORO	Square	Clover
Initial Software	$5,000	$0	$0
Monthly Software (36 mo)	$4,284	$1,764	$1,798
Transaction Fees (36 mo)	$0*	$45,000	$41,400
Processing (with pass-through)	Passed to customer	Included	Included
Total 3-Year Cost	$9,284	$46,764	$43,198

*With fee pass-through enabled. Processing costs passed to customer. Retailer pays $0 in transaction fees.

Save $34,000 - $37,000 over 3 years

TORO pays for itself in the first few months, then it's pure savings.

Why Our Pricing is Different

We're tobacco retailers who built TORO out of necessity. We're not a tech company trying to profit from your credit card transactions.

Square charges 2.5% + $0.15 on every sale forever (on their Plus plan with inventory features). They make money when you make money. That's not partnership — that's taking a cut of your profits.

We charge a fair monthly fee for software and support. You keep 100% of your sales (or pass fees to customers). That's how retailers should work together.

Pricing FAQ

What's included in the $119/month?

Everything. Unlimited users, unlimited products, all features, SMS marketing, e-commerce integration, free updates, unlimited support from tobacco experts.

What is fee pass-through?

You can add the credit card processing fee (2%) to the customer's total. The customer pays the processing cost, not you. This means your effective cost is just $119/month + the $5,000 upfront.

Can I use my own credit card processor?

We integrate with Premium Tobacco Processing because they're tobacco-friendly and won't shut down your account. Generic processors often flag tobacco as "high risk" and freeze accounts without warning.