Wholesale vape and smoke merchants should deeply understand that rate is only one part of the total cost equation. The lowest-rate processor that terminates your account after 90 days of successful processing is going to be far more expensive than a slightly higher-rate specialized processor who can stay stable for years. This is an important decision, so carefully evaluate options and make decisions based on cost, features, stability, and reputation.
| Processing Volume | Typical Rate Range | Notes |
|---|---|---|
| Under $50K/month | 3.5% – 5.5% | Limited acquiring options. Higher reserve requirements are common. |
| $50K – $200K/month | 2.9% – 4.5% | More processors become available. |
| $200K – $500K/month | 2.5% – 3.9% | Rates are often negotiable. |
| $500K+/month | 2.2% – 3.5% | Direct acquiring relationships and enterprise pricing possible. |
The rates can vary significantly based on factors such as chargeback history, age of business, product mix, previous account terminations, and target jurisdictions.