Industry-compliant, high-risk credit card processing solutions specifically designed for brick-and-mortar vape shops, online vape retailers, and wholesale vape distributors.
✔ Hassle-Free Vape Business Payment Processing
✔ Low processing fees
✔ No hidden charges or long-term lock-ins
✔ Same-day account setup for most vape merchants
Our credit card processing solutions are built to handle the unique challenges vape shops and e-cig retailers face, including compliance, chargebacks, and high-risk categorization by many sponsor banks.
Vape & E-Cig Friendly Service
We support vape and e-cig retailers. Powered by the finest acquirers in the US, UK, EU, and Canada.
Multiple Payment Types
For your vape shop, accept multiple payment methods like credit/debit cards, mobile wallets, ACH, and SEPA payments.
Fast Approvals
No more time wasting. Start selling quickly with approvals in as little as 24 hours. Rapid application & onboarding process.
Competitive Rates
High risk does not mean huge fees. Enjoy low processing fees starting at 2.4%*. No hidden charges or vague contracts.
A vape merchant account is a specialized credit card processing solution for companies that sell e-cigarettes and vaping accessories. The vaping industry is highly regulated, and that is why low-risk providers do not support it. The best vape merchant accounts are provided by high-risk processors.
Recently the vape industry has encountered significant obstacles in the US, Australia, New Zealand, the UK, and the EU. Due to newer regulations and card company guidelines, it has become tough for credit card processors to onboard vape-related businesses. The vaping industry is classified as high-risk now. However, there are still select specialized vape credit card processing services that are able to support such merchants.
QuadraPay is a vape & ecig merchant account specialist and has been serving businesses since 2016 and has established partnerships with various high-risk PSPs. We are confident that getting the approval of your vape shop credit card processing account will not be hard for us.
Our content team has written this guide for you. The objective of the guide is to educate all vape and e-cig sellers about the application process, types of solution, fees, and KYC. We are sure that after reading this guide you will be able to easily get the approval for a vape shop merchant account. Let’s begin.
Only high-risk payment service providers (HR PSPs) can handle vape transactions because of their deep understanding of the related regulations and compliances.
Easy Integration
Connect effortlessly with your POS, e-commerce store, or use a virtual terminal. Easy integration for WooCommerce, Magento, etc.
Enhanced Security
Solutions are fully compliant with industry standards. Strong fraud prevention and end-to-end encryption for safe transactions.
Dedicated Support
In-house support for application and onboarding. Vape-friendly PSP provides round the clock support for merchants.
Regulatory Compliance
Stay 100% fully compliant with regional laws in the UK, US, EU, and Canada with full support for age-restricted vape & E-cig product sales.
Get a robust, high-risk credit card processing solution for your e-cigarette business at honest pricing.
✅ Fast Approvals • ✅ Low Fees • ✅ Vape-Friendly Processing
An e-commerce payment gateway for vape sites allows merchants to accept payments online. When a customer selects vape products and submits credit card details, the payment gateway processes the entire transaction by interacting with various parties such as the merchant acquirer, card scheme, and card issuer.
Vapes businesses that operate from retail shops use conventional credit card terminals. Some require specialized solutions, especially if they have vape kiosks and vending machines. With such specialized merchant processing solutions, vape businesses can accept face-to-face and contactless payments. With brand new terminals, e-cigarette stores can accept most types of credit and debit cards.
Vape manufacturers use B2B credit card processing solutions to handle high-volume transactions. Such solutions are perfect for other vape B2B entities like wholesalers, distributors, retailers, exporters, and suppliers. However, wholesale order merchants use payment modes like invoices and bank transfers.
PCI DSS Compliant
Our processing partners meet strict payment security standards that are mandatory for high-risk industries like vape and e-cig.
256-bit Encryption
High grade SSL encryption protects vape and e-cig transactions. Enhanced underwriting & security protocols for vape processing.
Fraud Protection
Advanced tools detect and prevent fraud transactions in the vape and e-cig checkout process. AI-based tools for merchants' safety.
Chargeback Alerts
Comprehensive support and tools that help merchants reduce chargebacks, which are common in the vape and e-cig sector
Built for serious vape brands. No surprises, no sneaky fees, just clean and upfront rates.
Examples: Vape Shops, Vape Kiosks, Vape Lounges, Smoke Shops, etc.
Examples: DTC vape Brands, Online Vape E-Retailers, Vape B2B wholesalers , etc.
Find answers to the most common questions about our vape merchant services.
KYC verification is important. Below you will find a general list of documents that are required when you apply for a vape credit card processing solution. If you prepare beforehand, it will help you to save a lot of time and also improve the chances of approval. Let’s explore some of these documents.
In the merchant account application form, you will provide important details about your company. These are listed below.
The applicant must provide proof of business registration, which confirms the legal status of the e-cigarette business. This can be a certificate of incorporation or any similar but valid document.
Voided Check/Bank Letter
The KYC process includes the confirmation of the business bank account. For this, the merchant can provide a voided check or a letter of good standing to confirm the account information. The bank account should be in the name of the applicant company.
Photo Identification
It is mandatory for credit card processing companies to confirm the identity of the people that own the business. For this, the merchant can provide any valid national photo ID. Most of the time, payment processors prefer driver’s licenses or passports.
Proof of Inventory
To ensure on-time fulfillment of orders, the merchant must have sufficient stock of vapes and electronic cigarettes. Merchants that depend on fulfillment by offshore businesses are generally not preferred by European and American vape payment processing companies. Merchants must provide local proof of inventory, which can be the invoices of recent purchases. Some merchant service providers may also ask for pictures of inventory.
Bank statements
Most payment service providers will require the merchant to submit at least 3 to 6 months of business bank statements. This helps the underwriters evaluate the financial strength of the potential merchant.
Utility Bill (Company & Director’s Address)
For this, the merchant can share the latest utility bill for the address of the company and its directors. It can be a gas, telephone, or municipal tax bill.
Card Present Addendum
When you apply for an electronic cigarette merchant account, you will most likely be asked to sign this document. The card present addendum outlines additional compliance terms that are specific to vape, CBD, and e-cigarette merchants. Payment processors impose additional rules for such accounts, and it helps in preventing fraud, chargebacks, and violations.
The cost of a vape payment processing solution depends on a variety of elements. It starts with your payment processor. Some are expensive, while others prioritize providing high-quality services at affordable fees.
Your monthly sales volume will affect the pricing. Merchants that make a lot of sales get the bargaining opportunity. Another factor that can have a significant impact on the pricing is the overall risk profile of the business.
The kind of credit card you are going to accept will also impact the pricing. Now let us explore some of the most common fees associated with vape and e-cig merchant accounts.
Merchant Discount Rate.
This is a fee that the merchant pays on each transaction. Every order will incur this percentage deduction. This fee generally ranges between 1% and 3%.
Chargeback Fees
In case of chargebacks, the merchant pays this fee. Generally, this ranges between 10 and 25 Euros/USD, depending on where the merchant is registered.
Rolling Reserve
Most high-risk payment service providers will ask the merchants to accept a 10% rolling reserve; however, many will be okay with just 5%. Merchants can also opt for a fixed reserve. In this scenario, the merchant pays a security deposit to the processor in advance, which the processor uses to initiate refunds only if necessary.
The reserve amount helps the merchant processor stay secure. Some processors work on zero rolling reserve also; however, they prefer merchants with excellent processing history , minimum risk, and consistent volume.
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