In a rush? Schedule an Appointment
    Fetching local time...
    Anytime Capital
    Retail crypto program
    Store types
    Smoke & vape shops
    Smoke & vape shops

    The customer most likely to buy crypto is already at your register

    Smoke and vape shops skew young, cash-heavy and repeat — the three characteristics that correlate most strongly with crypto buying. Adding it to the counter costs nothing and asks for no space.

    Talk to our retail teamStore sign in
    • No stock, no display case
    • Cash at the counter
    • High repeat customer base
    • Nothing to install
    retail.anytime-capital.com — new order

    $120.00

    Bitcoin · a regular's weekly buy

    • CustomerVerified · 71 sec
    • Buying0.00421 BTC
    • PaymentCash — collected
    • Store revenueCredited
    No machineNo floatNo crypto held by you

    Why the demographics line up

    Retail crypto buying skews toward younger adults who transact in cash and visit the same handful of stores repeatedly. That is a fairly precise description of a smoke shop's customer base, which is why kiosk operators have targeted the category so heavily.

    The other reason is that smoke shops already run a counter designed around identification. Staff check ID as a matter of routine, so the single step most stores find unfamiliar — asking a customer for a document before serving them — is something your team does dozens of times a day without thinking about it.

    The average order tends to be smaller than in a check cashing store and the frequency higher. That trade works out well, because the customers come back and the verification only happens once.

    Why it fits

    What makes smoke & vape shops different

    Every store type in this program runs the same platform. What changes is the customer, the ticket size and the objection — so this is the part written for you rather than for everybody.

    Your staff already ask for ID

    The step other retailers find awkward is muscle memory here. That removes most of the friction from a first-time onboarding.

    The repeat rate is unusually high

    Smoke shop regulars come back weekly. Once they are verified, every subsequent order takes under a minute.

    Cash is normal here

    A category that still runs heavily on cash is a category where a cash-paid crypto order does not feel unusual to anybody.

    No display space required

    Nothing to put in a case, nothing to lock up and nothing that walks out of the store.

    Getting started

    From first call to first order

    A compliance review and a training session. Nothing is delivered to your address.

    1. 1

      Talk to the retail team

      Where the store is, what it already offers, and what your foot traffic looks like. We tell you straight away whether we can serve your market.

    2. 2

      Store due diligence

      Entity documents, ownership and any licences your store already holds. Days, not months.

    3. 3

      Train the counter

      One session per employee. No crypto knowledge required — the order screen is shorter than a money order form.

    4. 4

      Go live

      Logins switched on, revenue share accruing on every order your staff place.

    The arithmetic

    What a single transaction is worth to the store

    Crypto is priced as a percentage of the order, so the revenue scales with the ticket rather than with the number of items you sold. These are worked examples at an illustrative 1% to 3% revenue share — check your agent agreement for your own rate.

    Illustrative store revenue by order size at a 1% to 3% revenue share
    At the counterOrder sizeStore keeps (low)Store keeps (high)
    A customer cashes a check and puts part of it into Bitcoin$200$2.00$6.00
    A regular buys USDT to send to family overseas$500$5.00$15.00
    A customer sells crypto and takes the cash$1,000$10.00$30.00
    A small business owner buys on payday, every other week$2,500$25.00$75.00
    One larger order, the kind an ATM's daily cap refuses$10,000$100.00$300.00

    The figures above are worked examples, not projected or guaranteed earnings. They show how the arithmetic works on a given order size at an illustrative revenue-share range. Your actual rate is set in your agent agreement, and what any individual store earns depends on its foot traffic, its neighbourhood, its hours and how many customers it serves. Anytime Capital does not promise any level of income.

    • Compare that to the products already on your counter: a money order earns cents, a bill payment earns a fixed fee of a dollar or two, and a wire earns a flat commission no matter the size.
    • There is no minimum volume, no monthly platform fee and no equipment cost to earn back before the first dollar is yours.
    • Anytime Capital's customer-facing pricing is published in full at /fees-and-limits. Nothing on this page changes what your customer pays.
    Typical time to serve a customer
    2 min

    Typical time to serve a customer

    Equipment to buy or lease
    $0

    Equipment to buy or lease

    Assets your customers can buy
    38+

    Assets your customers can buy

    US-based support for your staff
    24/7

    US-based support for your staff

    Smaller orders, more of them

    The typical smoke shop crypto order is smaller than in a check cashing store — often one to three hundred dollars rather than several hundred. Because the store's revenue is a percentage, that means the per-order figure is lower.

    What compensates is frequency. A customer who buys a little every week generates far more annual revenue than a one-off larger buyer, and the verification cost is paid once.

    The practical implication is that the product rewards consistency at the counter. Stores that mention it to every regular for a month build a base that keeps producing.

    Keeping the compliance line clean

    One thing worth being explicit about with staff: crypto orders are never a way to settle anything else in the store, and the platform is not a payment method for your own merchandise. It is a separate transaction with its own identification, its own record and its own price.

    Staff are trained on this and support is available around the clock, but in a category that already lives with careful age and product rules it is worth stating plainly.

    The same rule as every regulated product on your counter applies to the advice question too: your staff serve the transaction, they do not tell a customer what to buy.

    Keep reading

    The questions every store owner asks next

    The numbers, the rules and the alternative you have probably been offered.

    What a store earns

    Worked arithmetic at five order sizes.

    Licensing and compliance

    Who carries the MSB registration and what you are responsible for.

    The counter flow

    What your staff actually do, step by step.

    Frequently Asked Questions

    Are my customers really buying crypto?

    The demographic that buys retail crypto — younger, cash-paying, frequent visitors to a small number of stores — overlaps heavily with a smoke shop customer base. It is why kiosk operators target the category so hard.

    Are the orders too small to be worth it?

    They are smaller on average than a check casher's, but the frequency is higher and the verification only happens once. Annual revenue per customer is what matters, not the size of the first order.

    Does this affect my tobacco or vape licensing?

    It is a separate service and does not change the licences your store already holds or their obligations. What applies to your specific state and business type is confirmed during onboarding.

    Can crypto be used to pay for products in my store?

    No. This program is for customers buying and selling crypto as its own transaction. Accepting crypto as payment for your merchandise is a different product entirely.

    Do I need a licence of my own?

    Not to act as a serving location for Anytime Capital's platform. Anytime Capital is the registered money services business and carries the compliance programme for the activity. What applies to your specific store and state is confirmed during onboarding, and nothing here is legal advice.

    How much does my store earn?

    A share of each order, set in your agent agreement. Because crypto is priced as a percentage of the order rather than a flat fee, the revenue moves with the ticket. The earnings page works the arithmetic through at five order sizes.

    Elsewhere in the programme

    Other pages store owners read next

    The same programme, answered for a different question, store format or market.

    Pawn shops

    You already price value, verify ID and pay out cash.

    Tax preparation offices

    Refund season is the biggest cash moment your customers have.

    Wireless & phone stores

    Your customers already do everything on the device in their hand.

    Add crypto to your smoke shop counter

    Tell us where the store is and what your customers keep asking for. We will tell you what we can offer at your location.

    Talk to our retail teamStore sign in
    Anytime Capital

    Branches

    • Atlanta, Georgia
    • Miami, Florida

    Business

    • Business Checking
    • Business Debit Cards
    • Payments
    • Invoicing
    • Bill Pay
    • Expense Management
    • Sell Crypto in Your Store
    • Crypto for Check Cashers

    Solutions

    • CPAs & Accountants
    • Financial Advisors
    • Boat & Auto Dealerships
    • Dental & Medical Practices
    • Creators & Coaches
    • All solutions

    Crypto

    • Crypto Wallets
    • Tether Wallet
    • Buy Digital Assets
    • Buy with Your Bank Card
    • Blockchain Networks
    • Markets
    • Security & Licenses

    Company

    • Our Story
    • Schedule Appointment
    • Careers
    • Media & Press
    • Investor Relations
    • FAQ

    Legal

    • Terms & Conditions
    • Privacy Policy
    • Fraud Notice

    © 2026 Anytime Capital is a financial technology company, not a bank. Banking services provided by Pathward N.A. Member FDIC. The Anytime Capital Mastercard® Prepaid Card is issued by Pathward®, National Association. Mastercard® is a registered trademark. All other trademarks and service marks belong to their respective owners.

    This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

    App StoreMastercard