Vape & E-Cig payment processing
Vape & E-Cigarette Merchant Accounts
Since the PACT Act was extended to vapor products, many processors simply stopped serving the industry. We work with banks that still underwrite compliant vape merchants — online stores, wholesalers and brick-and-mortar shops.
Why it's high risk
Why banks label Vape & E-Cig as high risk
Understanding how underwriters see your business is the first step to getting approved — and staying approved.
PACT Act compliance
Online sellers must register, verify age and follow strict shipping and tax-reporting rules.
Age verification
Banks require robust age gating at checkout and on delivery.
Flavor bans
Local flavor restrictions add regulatory risk that underwriters must account for.
Get approved faster
What you'll need to apply
Having these ready speeds up underwriting. Missing something? Apply anyway — your rep will help you fill the gaps.
- PACT Act registration (online sellers)
- State tobacco or vapor license
- Age-verification method
- Processing statements (if available)
- Government-issued ID for each owner (25%+)
- 3 months of business bank statements
FAQ
Vape & E-Cig merchant account FAQ
Can I sell vape products online with a credit card processor?
Yes, if you are PACT Act compliant and use age verification. We work with banks that underwrite online vape sales.
Do you offer POS systems for vape shops?
Yes. We can provision countertop terminals and POS systems for retail locations alongside your online account.
Do you approve disposable vape brands?
It depends on the products and their regulatory status. Share your catalog and we'll tell you which banks will accept it.
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