Vape & Tobacco
Vape and Tobacco Payments, Built Around the Rules You Actually Face
Between the PACT Act, state registration, carrier bans, and age verification, selling vape products is as much a logistics discipline as a retail one. Your payment processing should be arranged by people who know that.
The Problem
The PACT Act changed the business — and the banking
The PACT Act's registration, reporting, and delivery requirements, combined with major carriers declining vape shipments, pushed many online sellers into complex fulfillment arrangements that make underwriters nervous. Processors that once tolerated the category have exited it, and merchants get declined for how they ship as much as for what they sell. An account built without regard for these mechanics rarely lasts.
What We Deliver
The working parts
01
Underwriting that accounts for PACT Act operations
Your shipping method, adult-signature procedures, and state registrations are presented as evidence of control, not left for the underwriter to guess at.
02
Age-verification integration
We help you document and, where needed, implement checkout age verification that satisfies both the law and the acquiring bank.
03
Placement with tobacco-tolerant banks
We board vape and tobacco merchants with acquirers that state the category in their accepted-industries policy rather than ones that look the other way.
04
Retail and online on one relationship
Card-present processing for smoke shops and e-commerce for online catalogs, structured so each channel is underwritten for what it is.
05
Dispute and descriptor discipline
Clean descriptors and a dispute-response process suited to the friendly-fraud patterns common in age-restricted online retail.
Also in High-Risk Expertise
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