Vape and tobacco merchant accounts

Age verification and shipping rules are what the bank checks first. Operators who have both in place underwrite well.

Why banks decline vape and tobacco

• Federal and state rules on shipping, taxes and age verification are strict and change often, and a bank that cannot see your controls declines.
• Carriers restrict or refuse the category, so fulfillment itself needs a documented lane.
• Regulatory authorization for products varies by market.

What we need from you

Underwriting reads the site before it reads the application. Have these ready and a complete application goes live in 24 hours.

• Age verification at checkout that meets the standard your market requires
• PACT Act registration and tax compliance where you ship in the United States
• A carrier or delivery lane that lawfully accepts the category, documented
• Product authorizations where the market requires them
• A billing descriptor that matches your brand
• Formation documents and an EIN or your country's equivalent
• Owner identification (a passport is fine; no SSN needed for non-US owners)
• A voided check or bank letter for the settlement account
• Processing and chargeback history from your current processor, if you have one
• Published refund, shipping and privacy policies, and terms that match how you actually bill

What you get

• An account registered correctly for the category with the card networks.
• Routing across more than one merchant account where volume justifies it.
• Subscriptions on a vault under your name, with retries and dunning.
• Settlement in two business days.

What we cannot support

Saying it here saves you an application.

• Sales to minors or checkouts without age verification
• Shipping outside a lawful, documented delivery lane
• Products without the authorizations the market requires

Questions vape and tobacco merchants ask

Can vape shops take cards online?

Yes, with age verification, lawful fulfillment and correct registration. General processors decline the category; specialists register and monitor it.

What age verification do you accept?

A third-party verification at checkout that meets your market's standard. A checkbox is not verification.

Will there be a reserve?

Often at the start. It is stated in the offer.

Do you process cigars and pipe tobacco too?

Yes, under the same checklist.