Stop Losing Money toProcessing Fees
SmartPay Salon Solutions helps salon owners calculate exactly how much they're losing to credit card processing fees — and recover it all with a fully compliant surcharge program. We work with multiple top processors including SumUp and Lumino to find the best fit for your salon.
How Much Is Your Salon Losing?
Enter your salon's monthly numbers — see your annual recoverable fees instantly.
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Annual Fee Breakdown
See what you're currently paying vs. what you could keep with SmartPay.
Get Your Personalized Fee Analysis
Tell us about your salon and we'll send you a custom breakdown of exactly what you could recover.
How It Works
Four simple steps to start recovering your processing fees today.
Analyze Your Salon's Fees
Enter your monthly processing volume. We'll calculate exactly how much you're paying in credit card fees.
Set Up Surcharge Rules
Configure compliant surcharging for your salon, by payment type and state. We handle all the regulations for you.
Transparent Client Checkout
Fees are clearly disclosed at checkout. Clients always have a cash or debit option — keeping you 100% compliant.
Grow Your Salon Profits
Track recovered fees, retention rates, and marketing results in one dashboard. Most salons see ROI within their first billing cycle.
The Right Processor for Your Business
SmartPay works with multiple best-in-class processors. We match you with the right fit — whether you need a full salon POS, high-volume e-commerce rails, or anything in between.
SumUp
Salon-Specific POS
A full salon POS experience with built-in appointments, loyalty programs, automated SMS marketing, and flat-rate transparent pricing. Ideal for salons wanting an all-in-one management system.
- Built-in booking & appointments
- Customer loyalty & rewards
- Branded SMS & marketing campaigns
- Next-day deposits
Lumino
Merchant OS for Growth
A powerful merchant operating system built for businesses that want zero-fee processing, BNPL, chargeback protection, recurring billing, and seamless integrations with Shopify, WooCommerce, and more.
- Zero-fee processing + rewards
- Same-day & next-day funding
- VAMP chargeback protection
- Invoicing, ACH & recurring billing
Not sure which is right for you? Book a free consultation and we'll find the best fit for your salon.
Built for Salon Owners
Everything you need to eliminate processing fees, retain clients, and grow your salon.
100% Fee Recovery
Pass through the exact processing cost — no markups, no hidden charges, all margin protected.
Fully Compliant
Meets all Visa, Mastercard, and state-level surcharging regulations. We handle compliance so you don't have to.
Built for Salons
Unlike generic processors, SmartPay is designed specifically for salons, barbershops, and beauty professionals.
Effortless Onboarding
No code, no hardware swaps, no downtime. Our team guides you through every step — works alongside Clover, Square, and most existing POS systems.
Loyalty & Marketing Built In
Automated loyalty rewards, SMS promos, and re-engagement campaigns to keep clients coming back.
No More Stripe Freezes
We work with top processors like SumUp and Lumino — reliable, transparent deposits with no surprise account shutdowns or withheld funds.
Real Salons. Real Savings.
Salon and barbershop owners across the country share how SmartPay helped them stop losing money to processing fees.
"I was paying over $1,500 a month to Square and didn't even realize it. SmartPay switched us to SumUp and set up the surcharge program in one afternoon. My next statement showed nearly zero processing costs. The booking and loyalty tools are a bonus — my repeat client rate went up 22% in 3 months."
"Stripe froze our account twice during the holidays — right when we needed cash flow the most. After switching to SumUp through SmartPay, we get next-day deposits every time, no surprises. The surcharge is fully disclosed and my clients have been totally understanding. Wish I'd done this years ago."
"We process a high volume across two locations and Lumino has been flawless. Zero-fee processing through the surcharge program means we're keeping over $2,200 a month that used to vanish. The chargeback protection alone has saved us thousands. SmartPay made the whole transition completely painless."
"I sell retail products online too, so Lumino's Shopify integration was a perfect fit. Everything is in one place — in-salon payments, online orders, invoicing, and now the surcharge recovery. SmartPay walked me through setup and I was live the same week. I've recovered almost $10k this year alone."
Frequently Asked Questions
Everything you need to know about processing fee recovery.
Stop Paying Processing Fees That Should Stay In Your Chair
Join salon owners across the country who've recovered thousands in processing fees with SmartPay Salon Solutions, powered by SumUp.