DIRECT RUO PEPTIDE PROCESSING NOW AVAILABLE - $100K/MONTHLY MINIMUM

“AllayPay helped us reduce processing costs while keeping both our retail and online operations running smoothly.”

— Bartolo Cigars, Wine & Coffee
About

Bartolo Cigars, Wine & Coffee serves customers through both retail and online channels, offering premium cigars, fine wines, and specialty coffee products to a loyal Florida customer base and a growing national audience.

They needed a payment partner that could handle the high-risk nature of tobacco sales, provide seamless omni-channel processing, and reduce the rising costs of standard credit card fees.

AllayPay delivered a compliant, cost-saving solution that supports both their retail and eCommerce operations.

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Problem
  • High-risk classification due to tobacco sales
  • Need for dual-channel processing (retail + eCommerce)
  • Requirement for fast onboarding to avoid revenue disruption
  • Existing cost pressure from standard credit card processing fees
  • Need for compliance alignment on cigar-related online sales
Solution
  • Merchant Account Type: Retail and eCommerce
  • POS System: Clover POS (in-store transactions)
  • Gateway: Authorize.net (online payments)
  • Pricing Model: Surcharging program
  • Integrations: Jovy Shopping Cart
  • Compliance Work: Adjustments made to ensure the cigar website met payment and underwriting requirements
Campaign Results
Annual Cost Saving
$12K
Approval
Next Day
Integration
2 Days
Payment Solution
Omni- Channel
Why It Worked

Bartolo didn’t just need a merchant account. They needed a payment structure that supported both retail and eCommerce sales while addressing the compliance requirements associated with tobacco products — a complexity most payment processors won’t underwrite at all.

By aligning the merchant account, Clover POS, Authorize.net gateway, Jovy shopping cart integration, and a compliant surcharging pricing model into one coherent environment, AllayPay reduced ongoing processing costs and positioned the business for sustained, omni-channel growth.

Technology Stack
component solution
POS Clover
Gateway Authorize.net
Shopping Cart Jovy
Pricing Model Compliant Surcharging
Channels Retail + eCommerce

What People are Saying About AllayPay

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If you’re looking for a transparent merchant processor that provides competitive fees and excellent customer service, AllayPay is the company for you. We joined them in Aug. 2022 after getting fed up with extreme fee structures for CBD-based businesses that had horrible customer service. AllayPay patiently went through a detailed vetting process with us during which time they answered every question…

Sarah Brandon

CEO

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The AllayPay team has been fantastic! They worked with us from start to finish and customized a payment gateway for our company, Office Furniture Warehouse. It’s been over a year since we’ve been working with them now, and they are by far the most response company we’ve ever worked with. Thank you!

Bob Collins

Manager

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Understanding how important customer service is, and customer reviews, I searched for a local processing service that would treat us like my business was valued… If you are in business and seeking someone who values your business, then you only need to make one phone call to this organization and you will understand what customer service should be. I am very happy I reached out to AllayPay, you will be as well.

Kary McNeal

Owner

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AllayPay is by far the best merchant processing company I’ve ever dealt with. Jeff and his team spent days helping me get set up properly and answered all of my questions. They also helped me integrate my processing into QuickBooks Online by automatically updating the invoices as paid. With this new system, I’ve now saved 20 hours each month and over $15K each year. Thank you so much!

Yoav Hananya

Owner

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We were using Square and knew that our options were limited for traditional processing in our industry. Not only did AllayPay save us on processing fees, but they also set us up as fast as possible considering our unique circumstances. AllayPay was highly recommended, and we are very grateful that we choose to go with them. You won’t be disappointed!

Neil Shapiro

Owner

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My company was in the market for a new credit card possessor and POS system. We reached out to AllayPay on a whim, and that was the best decision we could have made! The entire team at AllayPay has given us top-priority treatment. The level of communication throughout the entire process was top-tier… We can’t recommend AllayPay highly enough!

Torri Verrilli

Manager

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Smart Payment Processing: Fast & Secure

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