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The 6 Best E-Cigarette & Vape Merchant Accounts

Do you need a merchant account for your vaping or e-cigarette business? Keep on reading to find out more about our top finds for the best processors to fit your high-risk business needs.

    Noah Miller
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Advertiser Disclosure: Our unbiased reviews and content are supported in part by affiliate partnerships, and we adhere to strict guidelines to preserve editorial integrity.

It’s not uncommon for business owners running electronic cigarette and vaping companies to sell their products online. Even if small business owners maintain their operations in a brick-and-mortar capacity, they will still need a way to process credit card transactions from customers — this means they will need to lock down a reliable vape merchant account.

The catch, unfortunately, is that vaping and e-cigarette products are considered high-risk by the majority of credit card processors. So, what are the options?

To that end, we’ve compiled a list of the top e-cigarette and vape merchant accounts that can make it viable for you to run an eCommerce and/or brick-and-mortar business in this niche industry.

Why Do You Need A High-Risk Merchant Account For Vaping & E-Cigarettes?

The worldwide market for e-cigarettes and vaping products has been booming in recent years. Countless businesses have begun to introduce their products to customers through both eCommerce shops and brick-and-mortar establishments, and there’s no sign that the growth in this industry is slowing down any time soon.

Despite the vape and e-cig market’s worldwide success, though, business owners in this industry often struggle to acquire merchant accounts because their products are considered high-risk.

The biggest factors that make e-cig and vape shops high risk are:

  • High Chargeback & Fraud Rates: Vape and e-cig shops, especially those that exclusively sell their products online, face the regular risk of customer-initiated chargebacks and fraud. Chargebacks are a risk that businesses face no matter what industry, but rates of chargebacks and fraud are particularly high in the vaping and e-cig market as well as in related markets such as those for CBD and cannabis products.
  • Product Age Restrictions: According to the FDA, businesses that “sell e-liquids, pipes or cigars, but do NOT mix or prepare e-liquids, make or modify vaporizers, or mix loose tobacco” in their products are classified as retailers of tobacco products. If this verbiage applies to your e-cig or vape shop, then you are legally obligated to only sell your products to customers who are over the age of 18. Additionally, you’re required to verify the photo ID of any customers under the age of 27 who purchase your products. Adhering to these federal regulations can get even trickier if you operate a solely eCommerce-based business, a fact that contributes to the high-risk designation of companies in the e-cig and vape industry.
  • Selling Flavored E-Cigarette Products Is Illegal: In the past, some e-cigarette and vaping companies would sell cartridge-based e-cigarette products that were flavored to appeal to a younger market. These days, the FDA strictly forbids companies from manufacturing and distributing flavored cartridge-based e-cigarette products except for tobacco and menthol-flavored ones. The FDA can enforce severe penalties on companies that don’t abide by this stipulation, and this level of federal scrutiny contributes to the e-cigarette and vaping industry’s high-risk classification by credit card processors.
  • Politics: A large number of credit card processors and their sponsor banks consider e-cigarette and vape products a politicized issue. These entities more often than not conclude that the political costs that e-cigarette and vaping companies pose to their business are too great to warrant the approval of a merchant account, even if an e-cig or vaping business is legitimate and abides by applicable federal regulations.

In general, the products that necessitate a specialized high-risk merchant account for your e-cig/vape shop include:

  • Electronic Vapes
  • Wooden Vapes
  • Vaporizer Juice
  • Rechargeable E-Cigarettes
  • Disposable E-Cigs
  • E-Liquid
  • Vape Batteries
  • Vape Pens
  • E-Juice
  • Vape Tank Systems
  • Pre-filled Vape Cartridges
  • Nicotine Salts
  • Vape Mods
  • Vape Coils
  • Vape Chargers
  • Vaporizer Box Mod Kits
  • Nicotine Salts
  • Vape Juice
  • Pod Vapes
  • Vape Cases

Learn More About Our Top Picks

CompanyBest ForNext StepsBest For
PaymentCloud

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Best for exclusively eCommerce-based merchants.
Best for exclusively eCommerce-based merchants.

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Host Merchant Services

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Best for higher-volume merchants processing >$20,000 each month.
Best for higher-volume merchants processing >$20,000 each month.

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Soar Payments

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Best for merchants looking for a quick approval process.
Best for merchants looking for a quick approval process.

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Easy Pay Direct

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Best for merchants that often exceed their processor's monthly processing limits.
Best for merchants that often exceed their processor's monthly processing limits.

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PayKings

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Best for merchants processing a mix of in-person, overseas, and subscription-based payments.
Best for merchants processing a mix of in-person, overseas, and subscription-based payments.

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Other Featured Options:

Read more below to learn why we chose these options.

Best Merchant Accounts For E-Cig Stores & Vape Shops

Are you searching for vape shop credit card processing solutions that may work for your business? Check out the list of our top picks for the best merchant accounts for e-cig stores and vape shops:

  • PaymentCloud
  • Host Merchant Services
  • Soar Payments
  • Easy Pay Direct
  • PayKings
  • Durango Merchant Services

1. PaymentCloud

PaymentCloud



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Pros

  • Free credit card terminal
  • Fraud and chargeback prevention
  • ACH and eCheck processing
  • Zero account setup fees

Cons

  • Pricing isn’t publicly disclosed
  • Zero monthly minimums for low-risk merchants only
  • PaymentCloud Features

PaymentCloud Features

PaymentCloud provides features with eCommerce-based businesses operating in high-risk industries in mind. Most notably these include:

  • Fraud & Chargeback Prevention: PaymentCloud understands that high chargeback rates are a major concern in high-risk industries, which is why they provide advice on choosing a chargeback management service. They’ll also help you set up fraud mitigation services and walk you through customer support techniques to keep your customers happy.
  • eCheck & ACH Processing: PaymentCloud will set you up to process ACH and eCheck payment options so that you can accept and initiate direct deposits.
  • Business Funding Options: PaymentCloud offers business funding options for high-risk businesses such as high-risk business loans that vary by term length, amount, interest, and repayment structure.
  • Shopping Cart Integration: PaymentCloud integrates with many online shopping carts for eCommerce merchants such as Shopify, BigCommerce, and 3DCart to create a more seamless online purchasing experience for customers.

Contract Requirements/Warnings

PaymentCloud doesn’t publicly disclose their contracts’ merchant application or terms and conditions sections — it’s likely that PaymentCloud uses different contracts based on the payment processor and bank you’re working with, so expect some variation in your contract terms. High-risk merchants usually need to sign long-term contracts with the merchant account provider they’re set up with. In some cases, though, certain high-risk merchants may apparently be eligible for month-to-month plans with certain processors in PaymentCloud’s network.

Where PaymentCloud Really Shines

PaymentCloud is a great option for eCommerce-based e-cig and vape businesses that are looking for features that make it easier to create a seamless online shopping experience for customers.

Complete check processing, fraud and chargeback prevention, and business funding are all must-haves for high-risk businesses that want to stay afloat for the long-term, and PaymentCloud delivers on all of these fronts. Plus, PaymentCloud offers robust hands-on advocacy and guidance to merchants both during and after the onboarding process — they’ll even assign a dedicated account manager to you throughout the lifetime of your contract.

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2. Host Merchant Services

Host Merchant Services



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Pros

  • Combined virtual terminal and integrated in-house gateway
  • Zero early termination, setup, or application fees
  • No monthly minimum fees

Cons

  • Interchange-plus pricing is the only rate structure offered
  • Potentially cost-prohibitive for very low-volume merchants

Host Merchant Services Features

Host Merchant Services offers a full range of features and services that work for just about any type of business, including those considered high-risk.

These most notably include:

  • eCommerce Payment Solutions: Host Merchant Services will guide merchants through the complete process of implementing an eCommerce payment solution. They offer payment gateway integration as well as assistance with payment security and PCI compliance. Their payment solutions also support major shopping carts such as Shopify, Magento, and WooCommerce as well as all major payment gateways.
  • Combined Virtual Terminal & Integrated In-House Gateway: Host Merchant Services offers a combined virtual terminal and integrated in-house gateway called Transaction Express. HMS Transaction Express encrypts customer data and uses tokenization to keep customer payment information secure during online transactions. Transaction Express also supports ACH services as well as wireless processing and recurring billing, which many eCommerce businesses including those in the e-cig and vaping industry rely on. Additionally, if you’d like to use an alternative gateway to Transaction Express, Host Merchant Services does support most other third-party gateways as well.
  • Up-To-Date Credit Card Terminals: For e-cig and vaping businesses that maintain brick-and-mortar operations, Host Merchant Services can hook you up with up-to-date credit card terminals — you may even qualify for at least one free EMV card terminal when you sign up with HMS, assuming you process more than $20,000 each month from customer transactions.
  • Mobile Processing: Host Merchant Services promotes Vital and SwipeSimple for mobile POS processing, and can attach both solutions to your mobile device. Vital and SwipeSimple also have associated apps that can be run on your mobile device anytime, anywhere.

Contract Requirements/Warnings

Host Merchant Services imposes zero early termination fees and doesn’t require that you be locked into a long-term contract. A contract agreement with HMS includes a waiver of cancellation fees, and in its Partnership FAQ, HMS guarantees to pay up to $250 in owed early termination fees for referred clients as well as $500 if a referral client processes more than $50,000 each month. Additionally, HMS is against leases for credit card terminals and will even reprogram your terminals at no cost to you.

Where Host Merchant Services Really Shines

Although Host Merchant Services isn’t primarily a high-risk specialist, they do accommodate high-risk businesses and are an excellent choice to consider given their full range of products and services for both eCommerce and brick-and-mortar businesses. Merchants have the freedom to choose from multiple terminals for sale since HMS is philosophically against leasing equipment. If you process more than $20,000 each month in transactions, you may qualify for at least one free EMV card terminal. Their variety of POS systems and proprietary Transaction Express gateway are especially handy for e-cig and vaping merchants that may maintain online as well as physical shops, but keep in mind that their interchange-plus pricing may be expensive for very low-volume merchants.

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3. Soar Payments

Soar Payments



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Pros

  • Automated custom price quoting
  • Automated application process
  • Fast underwriting
  • Zero application fees

Cons

  • Only available for US-based businesses
  • Pricing is not disclosed on the company website

Soar Payments Features

If you need a feature-rich, high-risk merchant account provider, Soar Payments may be perfect for you.

Their most notable features include:

  • Multiple Payment Gateways: Soar Payments mainly focuses on eCommerce-based businesses and offers multiple options for payment gateways. These include the Authorize.Net and USAePay gateways, as well as the NMI gateway which integrates with most major online shopping carts. To sweeten the deal, NMI also integrates with Chargeback Armor, which is an automated chargeback prevention and response program that is a big plus for merchants in high-risk industries.
  • Wide Range Of Essential Hardware: Soar Payments offers POS systems, mobile payment processors, and credit card terminals in addition to eCommerce solutions for high-risk merchants who are in search of an account provider.
  • Large Network Of Partner Banks & Processors: Soar Payments maintains a network of about a dozen banks and payment processors in order to place high-risk merchants. Soar also uses this large network to offer high-risk merchants offshore accounts in case they process payments from customers overseas.

Contract Requirements/Warnings

Soar Payments uses a quote-based pricing system and doesn’t disclose its fees or rates online, so expect a rolling reserve and a monthly minimum when you sign on for a high-risk merchant account. Soar’s standard contracts include an initial two-year term that automatically renews for one-year periods afterward. Soar also imposes a $495 early termination fee, but only during the first two years of a contract’s lifetime.

Where Soar Payments Really Shines

Soar Payments is a relatively new merchant account provider that specializes in finding card processing homes for hard-to-place businesses. Overall, Soar Payments offers competitive terms for high-risk merchants and provides POS, mobile payment, terminal, and eCommerce solutions for high-risk merchants. Additionally, Soar partners with Chargeback.com to give high-risk merchants a leg up when it comes to handling disputed payments. Soar’s automated custom pricing quote as well as their fast underwriting process also provide for a relatively stress-free merchant account application process for high-risk merchants who’ve struggled in the past to find a processor that will work with them.

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4. Easy Pay Direct

Easy Pay Direct



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Pros

  • Load-balancing feature for high-volume, high-risk merchants
  • No early termination fees for (most) merchants
  • Free gateways and virtual terminals

Cons

  • $99 account setup fee
  • Few pricing details are disclosed online

Easy Pay Direct Features

Easy Pay Direct includes a popular load-balancing feature that is very useful for both low-risk and high-risk merchants that tend to exceed their processor’s monthly processing volume limits. Here are Easy Pay’s features:

  • Easy Pay Direct Gateway: Easy Pay Direct’s in-house gateway known as Easy Pay Direct Gateway lets merchants process credit/debit card transactions, ACH payments, and online payments. The gateway uses a customer vault for the secure storage of sensitive customer payment data, and it meets Level I security standards for PCI compliance. Easy Pay Direct Gateway is also complemented with a free virtual terminal that merchants can receive if they process mail order and telephone order transactions.
  • Clover Mini & Clover Station POS Systems: Easy Pay Direct offers the Clover Mini and Clover Station POS systems thanks to its partnership with Fiserv. Clover Mini and Clover Station both include built-in EMV and NFC capabilities and allow merchants to access the Clover App Market, which lets merchants add analytics and gift card apps to their Clover systems.
  • Shopping Cart Integration: Easy Pay Direct offers its proprietary Quick-Click shopping cart, which is built directly into its EPD Gateway. Although the Quick-Click shopping cart is pretty basic, the EPD gateway is compatible with 134 shopping carts (including Shopify) and includes an emulator mode for Authorize.Net for merchants that want to use it with a shopping cart that isn’t certified as compatible.
  • Business Loans & Merchant Cash Advances: Easy Pay Direct works with a network of 20 third-party lenders to offer merchant cash advances and business loans. Merchants can borrow up to $500,000 in loans with repayment terms that range from 6-18 months for merchant cash advances and 6-36 months for standard business loans.
  • Load-Balancing: A unique feature that Easy Pay Direct offers is its load-balancing, which allows a single merchant to access multiple merchant accounts. Merchants can indicate the percentage of their sales that they’d like to go to each account. This redundancy means that payments can be automatically redirected to a different account if one of your merchant accounts has a hold placed on it.

Contract Requirements/Warnings

Easy Pay Direct doesn’t disclose its contract terms online, but most contracts appear to last for three years. Contract length likely depends on which back-end processor you’re set up with, and your contract will likely include an automatic renewal clause for additional one-year periods. Easy Pay Direct doesn’t charge an early termination fee for most merchants, although closing your account without being penalized can still be challenging — follow the instructions for closing your account to the letter before doing this. The company primarily charges processing rates under a tiered pricing plan and imposes a relatively expensive $99 account setup fee.

Where Easy Pay Direct Really Shines

Easy Pay Direct offers its proprietary EPD Gateway as its primary product and provides full-service merchant accounts for both low-risk and high-risk merchants. Easy Pay Direct also offers load-balancing, which is particularly helpful for high-risk merchants that often exceed the underwriting processor’s monthly processing volume limits. The load-balancing option and the robust features of Easy Pay Direct’s EPD Gateway make it an excellent option for high-volume businesses with an online sales channel.

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5. PayKings

PayKings



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Pros

  • eCheck processing options
  • Zero application and setup fees
  • Options for multicurrency

Cons

  • Untransparent tiered pricing
  • Early termination fees

PayKings Features

PayKings is relatively unique among this list in that it provides international processing and multicurrency options in addition to robust payment processing solutions. PayKings’ most notable features include:

  • High-Risk Payment Gateway: PayKings lets merchants choose between Authorize.Net and NMI for their payment gateway services. Payment gateways are a must-have if you process eCommerce transactions, and they offer a variety of security and customer management-related perks. Authorize.Net, in particular, is a solid payment gateway option considering it comes packaged as a bundled deal with your merchant services.
  • ACH Processing: ACH payments, while slow, are cheaper than credit card transactions, and they’re a common way for merchants to set up recurring payments if they offer subscriptions or memberships.
  • International Processing & Multicurrency: PayKings sets merchants up with offshore merchant accounts, which is relatively common when it comes to high-risk merchant accounts. Additionally, gateways like Authorize.Net, which is compatible with PayKings, offer multicurrency support via currency conversion to let merchants accept payments from across the globe.

Contract Requirements/Warnings

High-risk merchant account providers usually require a long-term contract, and depending on the bank PayKings pairs you with for your merchant account, that contract could last for two to three years. PayKings also imposes an early termination fee for breaking your contract, which varies by your bank; PayKings does not set this number itself, but early termination fees usually fall between $300 and $500.

Where PayKings Really Shines

PayKings provides multiple payment solutions including multiple eCommerce gateways, ACH and credit/debit card processing, and mobile payment solutions that make a lot of sense for e-cig and vape companies that largely do business online. They also offer recurring billing, international processing, and POS systems and terminals for businesses that may predicate some of their operations on in-person, overseas, or subscription-based payments.

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6. Durango Merchant Services

Durango Merchant Services



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Pros

  • Offers an EMV-compliant mobile card reader
  • Dedicated account manager
  • Offshore accounts for international merchants

Cons

  • Pricing isn’t publicly disclosed

Durango Merchant Services Features

Durango offers a range of products and services for high-risk — among their most unique offering is the Durango Pay™ Gateway, which we discuss below:

  • Durango Pay™ Gateway: Durango’s proprietary payment gateway includes a robust set of features that includes support for recurring billing, a customer information vault to house sensitive payment information, and a gateway emulator that allows merchants to easily switch over to alternative, third-party gateways. Durango Pay™ Gateway also comes with a virtual terminal that lets merchants process card transactions on any computer that is hooked up to the internet with an optional card reader. Unique to this proprietary gateway is the fact that it’s hosted on the Google Cloud Platform, so merchants shouldn’t often need to worry about system downtime.
  • International Merchant Accounts: If you’re an international merchant conducting business in the U.S., then Durango has you covered. Durango is a registered ISO in Europe and offers international merchant accounts that include support for currency conversion and multicurrency accounts. These international accounts are available to merchants in Canada, Panama, the United Kingdom, and most countries in the EU.
  • Mobile Payments: Durango uses the iProcess app and an encrypted EMV-compliant mobile card reader to provide merchants with a mobile payment processing solution. The mobile card reader can connect via Bluetooth and is compatible with newer devices that don’t include jacks for headphones.
  • Fraud Protection Services: As you know by now, fraud protection should be high on the list of priorities for high-risk merchants. All Durango merchant accounts come with anti-fraud services, including EMV 3d Secure 2.0 and iSPY.

Contract Requirements/Warnings

Providers typically only advertise their contract terms if they offer month-to-month billing with no early termination fees. Durango doesn’t disclose its contract terms for several reasons, mainly because it works with more than a dozen banks and processors to place merchant accounts. Subsequently, your contract terms will vary widely among them, and the same factors that influence the processing rates and account fees you’ll pay also impact the terms of your contract. Durango offers nearly all of its merchants a month-to-month contract with no early termination fee, although high-risk merchants will have to agree to an industry-standard contract instead. This contract will usually have a three-year initial term with an automatic renewal clause for one-year periods after that, and it will most likely include an ETF of up to $500 if you close your account early.

Where Durango Merchant Services Really Shines

Durango’s full array of features is perfect for both U.S.-based and international merchants that want to provide multiple payment processing solutions to their customers. Innovative products and services like the Durango Pay™ Gateway and support for currency conversion and multicurrency accounts make it viable for merchants to securely process multiple types of customer payments, no matter where they’re located. Additionally, Durango makes a name for itself as a high-risk specialist by offering fair pricing when it could easily charge inflated prices instead.

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Beware Of Using PayPal, Square, Or Stripe For Your Vaping Payment Processor

Now that you know which merchant accounts work for vaping and e-cig businesses, let’s briefly cover the payment processors that DO NOT mesh well with this industry. Specifically, it’s best to avoid using PayPal, Square, or Stripe if you’re looking for a vaping payment processor. These processors only support merchants with a very low risk of customer-initiated chargebacks and disputes and, unfortunately for businesses in the e-cig and vaping industry, customer disputes and cases of fraud are commonplace.

PayPal, Square, and Stripe review the information you submit when you apply for an account with them and will refuse to accept payments on your behalf if they consider you high-risk. If you do take the risk of signing up with PayPal, Square, or Stripe and lie about the nature of your business, you may be subject to having the funds you process with them getting held up for as long as six months. It should go without saying that if this does happen, you won’t be able to sign up with these payment processors in the future, even if the type of products and services you offer happens to change.

3 Things To Look For In E-Cigarette Credit Card Processing

Although the list of things to look for in an e-cigarette and vaping credit card processor can potentially include dozens of things, we feel that the following three factors are most important for you to consider:

  1. Support For Online & In-Person Sales: Whether you offer your products largely online or in person, you need to create a seamless purchasing experience for your customers. Your merchant account provider should ideally provide support for the necessary hardware and software you may need including payment gateways, virtual terminals, credit card terminals and POS systems, and options for mobile device processing that come with support apps. Plus, it doesn’t hurt to pair up with a merchant account provider that offers dedicated support to help you get your necessary hardware and software up and running quickly and without setup-related headaches.
  2. Support For Multiple Payment Types: Even if you only maintain an online or physical store, chances are good that your customers will want to complete their transactions using a variety of payment methods. Your merchant account provider should offer support for multiple payment types including credit/debit cards, eChecks (ACH), and cryptocurrency. You may also want to consider whether a merchant account provider supports recurring billing if you rely on subscription-based payment models, as well.
  3. Business Funding Options: As a high-risk business, you may require some business funding to get your new operation off the ground. Certain merchant account providers that specialize in high-risk industries offer a variety of business loans and funding options depending on the size of your business as well as the volume of transactions you process every month. Check with the merchant account providers you’re considering working with about their business funding options that can help your business stay afloat if you’re worried about the stability of your revenue streams.

How To Get Your Vape Merchant Account Approved

Now that you’ve narrowed down your list of potential merchant accounts for your e-cig/vape shop, we recommend that you understand the criteria you need to meet to be approved for a merchant account:

  • Provide Proof Of Your Financial History: You’ll have a much easier time getting approved for a merchant account if you can furnish a solid track record of your financial history. Even if your financial history is spotless, you should still take care to establish a satisfactory financial track record with a high-risk processor to demonstrate that you can process payments and maintain growth via predictable and reliable card and electronic transactions.
  • Explain Previous Chargebacks: An explanation of your previous chargebacks can make you appear more transparent, which goes a long way for high-risk merchants such as those in the e-cig and vaping industry. Increase your chances of getting approved for a merchant account by furnishing an explanation of your previous customer-initiated chargebacks as well as proof of having successfully processed a steady rate of online customer transactions.
  • Indicate Your Merchant Category Code: Always indicate your MCC when applying for a merchant account, especially for one in the e-cig and vaping industry. MCC codes indicate the type of business you maintain, the products and services you sell, and their associated risk relating to customer-initiated chargebacks.
  • Follow FDA Rules & Regulations: As a vendor of e-cigarette and vaping products, you need to abide by FDA rules and regulations that pertain to your industry. Ensure that you only sell vaporizer products that work with e-juices, and make sure you aren’t selling any products that customers can use with flowering plants such as cannabis. Speaking of which, you should double-check that you aren’t displaying any imagery that can be associated with cannabis products either in-store or online.

Be Aware Of Legal & FDA Requirements For Vape & E-Cigarette Stores

On the topic of following FDA rules and regulations, there are a few more important points we want to cover specifically in this section. FDA regulations apply to any device you sell that uses vape liquids, as these devices are considered electronic nicotine delivery systems (ENDS). However, regulations also apply to liquids and accessories that you may sell, as well.

Specifically, you may only sell the ENDS you offer to persons who are over the age of 18, and you must check the photo ID of all customers to whom you’re selling if they appear to be under 27 years of age. Additionally, your business is prohibited from giving out free samples and from selling your ENDS in vending machines in almost all cases. You’re also required to sell your ENDS only if they include health warning statements that are clearly displayed on their packaging. Keep in mind that state laws may apply, so check with your lawyer for more accurate information pertaining to the area in which you do business.

Which Vape Shop Merchant Account Is Right For Your Business?

An e-cigarette and vape merchant account can provide your business the flexibility and financial security it needs to create a seamless buying experience for your customers both online and in person. Your goal when choosing a merchant account should be to provide intuitive payment processing solutions that meet your business’s needs.

Do you need to tackle a high volume of sales with high capacity processing? Maybe you’re interested in alternative payment methods like ACH payments to provide added flexibility to your customers, or maybe you just want quality customer support that’s dedicated to getting you set up quickly with your hardware and software solutions. Whatever your needs, it’s important that you choose an e-cigarette and vaping merchant account that lets you experience continued growth.

In Summary: Best Merchant Accounts For E-Cig Stores & Vape Shops

  1. PaymentCloud: Best for exclusively eCommerce-based merchants.
  2. Host Merchant Services: Best for higher-volume merchants processing >$20,000 each month.
  3. Soar Payments: Best for merchants looking for a quick approval process.
  4. Easy Pay Direct: Best for merchants that often exceed their processor's monthly processing limits.
  5. PayKings: Best for merchants processing a mix of in-person, overseas, and subscription-based payments.
  6. Durango Merchant Services: Best for merchants processing regular international transactions.
Noah Miller

Noah Miller

Expert Analyst & Reviewer
Noah is a writer and content creator currently living in Fairfax, VA. When he isn't writing about IT solutions and innovations that help his clients, he's probably sitting behind a drumkit or adding new hardware to his computer. Since 2017, Noah has worked for federal, state, and commercial clients as a proposal writer, technical writer, copywriter, and analyst. He has a BA in Creative Writing and a Minor in German from Goucher College.
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Merchant Maverick’s ratings are editorial in nature, and are not aggregated from user reviews. Each staff reviewer at Merchant Maverick is a subject matter expert with experience researching, testing, and evaluating small business software and services. The rating of this company or service is based on the author’s expert opinion and analysis of the product, and assessed and seconded by another subject matter expert on staff before publication. Merchant Maverick’s ratings are not influenced by affiliate partnerships.

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