"Buy Now, Pay Later" is now available at Smoke Arsenal
Smoke Arsenal retailers can now use "Buy Now, Pay Later", powered by Tabit, on eligible Smoke Arsenal orders. It gives stores more flexibility to restock now and pay over 4 to 52 weeks in equal weekly payments, with rates starting at 0%.
This is designed to support cash-flow flexibility. If your store needs to restock before revenue, payroll, rent, or excise costs line up, "Buy Now, Pay Later" gives you another way to place the order and pay over time.
How It Helps Stores
Buy Now, Pay Later helps Smoke Arsenal retailers place eligible orders when inventory is needed, without waiting for cash flow to catch up.
Use it for planned restocks, new launches, seasonal demand, or larger orders while spreading repayment into equal weekly payments.
What stores can do with BNPL
- Restock best sellers sooner: keep high-demand products available when customers are asking for them.
- Bring in new launches faster: add new products and flavours without tying up cash all at once.
- Manage larger orders more easily: spread eligible order payments over 4 to 52 weeks.
- Stay ready for demand: order with more flexibility when payroll, rent, excise, or cash-flow timing is tight.
Watch how "Buy Now, Pay Later" works
Use this video as the simple walkthrough for retailers. The video link opens in a new tab.
Four simple steps
1. Checkout
Select "Buy Now, Pay Later" at checkout and place your Smoke Arsenal order as usual.
2. Payment link
Once the order is prepared, Smoke Arsenal sends your invoice and Tabit payment link.
3. Pre-qualify
Pre-qualification uses a soft check. After first approval, future orders are faster.
4. Confirm terms
Open the Tabit link, choose how many weeks to pay over, review the terms, and confirm.
What you need to qualify
6+ months in business
The business should be operating for at least six months.
$5,000/month revenue
Average monthly revenue should be at least $5,000.
5+ monthly transactions
The business should have at least five revenue transactions per month.
600+ credit score
A credit score of 600 or higher is required.
Example weekly payment schedule
For a $5,000 order, here is how the weekly payments break down. Final terms are shown before the retailer accepts the Tabit agreement.
| Term | Rate | Weekly payment |
|---|---|---|
| 4 weeks | 0% | $1,250 / week |
| 8 weeks | 0.99% | $634 / week |
| 12 weeks | 1.99% | $425 / week |
| 26 weeks | 4.99% | $196 / week |
| 52 weeks | 9.99% | $98 / week |
Equal weekly payments. No hidden fees.
Useful Tabit links
Use these links for the correct Smoke Arsenal / Smoke Arsenal QC / Smoke Arsenal BC pre-qualification route, payment estimates, BNPL tracking, and finance support.
Pre-qualification by account
Choose the link based on which Smoke Arsenal account/team manages your order or invoice, not only the store location.
Smoke Arsenal ON: pay.tabit.ai/prequalsmokearsenal
Smoke Arsenal BC: pay.tabit.ai/prequalsmokearsenalbc
Smoke Arsenal QC: pay.tabit.ai/prequalsmokearsenalqc
"Buy Now, Pay Later" questions
What if I placed the order for the wrong product? Important
Before payment, the order can still be changed. After payment, the order cannot be modified.
What if I want to cancel the order? Important
Before payment, the order can still be cancelled. After payment, cancellation is not available because the financing agreement has already started.
How long does pre-qualification take?
Pre-qualification usually takes about 60 seconds and uses a soft credit check.
Does it affect my credit score?
Pre-qualification uses a soft credit check. Once the first payment is deducted, Tabit reports an installment loan, which may create a small credit-score impact.
Can I use it at the cash and carry?
Yes. Once pre-qualified, it works on Smoke Arsenal orders online or in person.
Do I have to use it on every order?
No. It is available whenever you need it. Use it on larger orders and skip it on smaller ones.
Is there a minimum order amount?
Yes. The minimum order value is $500. Once you are pre-qualified, you can use it on any qualifying Smoke Arsenal order.
Can I do half and half payment?
Yes. The first payment link is sent to your email, and the remaining balance is sent as an invoice by email.
Can I pay off my balance early?
Yes. There are no prepayment penalties. Contact support and they will arrange to settle your balance.
What happens if I am approved but do not use it?
Nothing. Your credit limit expires 60 days after applying. There is no charge and no commitment.
How do I check my loan balance?
Log into my.tabit.ai to see your balance, next payment date, and weekly payment amount.
What does BNPL cost the retailer?
Zero. There are no fees, no commissions, and no costs to the retailer for offering BNPL.
Why was my application rejected?
Applications are usually rejected when revenue or credit score is below the minimum requirements. Tabit recommends waiting 2 months before reapplying.
Can I request a higher credit limit?
Eligible buyers can request a manual review during application. Otherwise, eligible buyers can request a review 60 days after the initial application.
Can I get a copy of the loan agreement?
A copy is provided during the transaction and emailed after acceptance. Lost copies are available through [email protected].
Smoke Arsenal Now Offers "Buy Now, Pay Later" (BNPL)