Vape & smoke merchant accounts.
Vape and smoke accessories require strict age verification and shipping controls, and most processors won't touch them. We place compliant retailers with acquirers that will.
Request a reviewWhy this category is classified high risk
Age-restricted products carry legal exposure, and the networks require verification that generic processors don't provide.
Regulation shifts fast at the federal, state, and municipal level, and shipping rules for these products have tightened significantly.
Blanket bank policies decline the category outright, so even a compliant retailer needs a purpose-built account.
What underwriting will want to see
- Robust age verification at checkout and at delivery where required.
- Shipping logic that blocks restricted jurisdictions and complies with applicable delivery-sale rules.
- A catalog and marketing that steer clear of anything prohibited by network rules or targeted at minors.
- Standard boarding documents and processing history.
What drives disputes here
Ordinary retail disputes — 'not received' and 'not as described' — dominate, so tracking and accurate listings handle most cases.
Age-verification failures at delivery can generate refused shipments; tight controls prevent losses.
Regulatory shipping changes can strand orders — proactive customer communication avoids disputes.
Descriptor & billing guidance
Use a clear retail descriptor tied to the shop name and confirm every order with tracking. Because the compliance surface is the real risk, keep verification and shipping-restriction records — they protect both the account and any representment.
Vape & smoke, specifically
- What age-verification is required?
- Verification at purchase, and at delivery for many jurisdictions. The exact requirement depends on the products and the states you ship to; acquirers confirm your controls during underwriting.
- Can I ship nationwide?
- Not everywhere. Delivery-sale rules for vapor products have tightened and some states restrict or prohibit shipment. Your account is boarded around the states you can legally serve.
- Why won't my current processor keep me?
- Most aggregators prohibit the category in their terms and enforce it once they see the volume. A dedicated account with a bank that boards vape on purpose is the stable option.
Tell us about your business. We'll tell you who will board it.
Describe what you actually sell and how you deliver it. We'll match you to an acquirer that wants the volume — or tell you plainly if it won't board.