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Get Started FreeHigh-Risk Industries · Vape & E-Cig
E-cigarette and vape merchants face unique challenges in the payment processing world. As a high-risk industry, many traditional banks and payment processors are hesitant to work with vape merchants. At PayKings, we specialize in vape & e-cig payment processing, providing merchant accounts tailored to the specific needs of vape shops and electronic cigarette sellers so you can process payments securely and efficiently.
Be approval-ready
What vape underwriters ask for
Your terms, before you sign
20+
Banking partners, so your processor can quickly deal with any bank policy changes.
Next-day
Funding to keep cash flowing once your vape merchant account is live.
Upfront
Your rates, walked through before you sign — placed with the bank that fits your risk profile.
Apply
Getting set up
Start your journey with a simple online application process for your vape business.
Provide the required documents to support your vape merchant account application.
Our expert team will guide you through the underwriting process for vape businesses.
Begin accepting payments for your vape products and watch your business thrive.
What we underwrite
PayKings underwrites an electronic cigarette merchant account the same way we underwrite a vape merchant account. Whether you sell in a retail store or run an online e-cig storefront, our e-cig merchant services pair electronic cigarette credit card processing with the chargeback prevention and fraud protection tools high-risk merchants need.
With 20+ banking partners, we can match your business with an acquiring bank that accepts e-cig payment processing, helping you avoid the account closures and fund holds that come with processors unprepared for this industry.
High-risk designation
A high-risk merchant account is essential for vape businesses that need to work with credit card processors.
These specialized payment processing accounts are designed for merchants classified in high-risk categories, providing the necessary solutions for online credit card processing in the vape industry.
Being labeled as a high-risk merchant necessitates partnering with a payment processor experienced in high-risk accounts.
Avoid disruptions by choosing PayKings, a leader in high-risk merchant account solutions for the vape industry.
Securing the right vape payment processor is crucial for businesses in the vape industry to avoid account closures and fund holds.
Learn how PayKings can provide the stable, high-risk processing account your business needs for uninterrupted sales and growth.
Risk factors
Vape and e-cigarette merchant accounts are typically considered high-risk because of the industry they belong to. Payment processing companies worry about providing merchant services to industries with a high risk of fraud, high chargebacks, or other issues. The following factors are the reasons e-cigarette merchant accounts are known as high-risk.
Regulations and Worries About Future Legal Implications: Payment processing companies worry about future health risks and lawsuits from those who use these products. This means the e-cigarette industry is automatically considered high-risk.
High Risk of Chargebacks: Another factor that determines high-risk industries is their chargeback rate. Merchant services providers are wary of chargebacks because they are costly to process. A vape business often sees high chargeback rates, meaning that a retail vape merchant account may be considered high-risk.
New Merchants: As the e-cigarette industry is relatively high-risk, many cig and vape companies are started by new merchants without a payment history. This type of company is automatically categorized as high-risk regardless of industry. They’ll need high-risk payment processing to accept credit cards.
Being labeled as a high-risk merchant necessitates partnering with a payment processor experienced in high-risk accounts. Avoid disruptions by choosing PayKings, a leader in high-risk merchant account solutions for the vape industry.
We have the expertise to put together custom e-commerce payment solutions for your e-cigarette business.
Rates & providers
Vape credit card processing rates are typically higher than standard retail pricing because of the industry's high-risk designation. Your exact costs depend on:
Pricing may be structured as flat rate pricing or variable fees.
PayKings places your vape business with the acquiring bank that fits your risk profile, walks you through your rates before you sign, and offers affordable processing fees with high approval rates.
When comparing vape and e-cigarette payment processors, look for:
PayKings delivers on each of these criteria, and the comparison below shows how we stack up against other processors.
The difference
Built for the businesses other processors turn away.
What's included
Gateways & compliance
Online payment gateways allow credit cards to be processed instantaneously. They are the virtual version of a payment terminal and act as the middleman between the merchant and the cardholder's financial institution.
A high-risk payment gateway is key to accepting credit card transactions in the vape industry. At PayKings, we have the experience and expertise to get your company set up with credit card processing, a merchant account, and secure payment gateways for vape shops.
This will ensure your customer data stays secure and payments are processed quickly.
Vape and e-cigarette products are age-restricted, so your checkout needs to confirm that every customer is of legal purchasing age. These steps help you meet federal, state, and local requirements:
Shipping vape products also carries its own regulatory obligations, so review carrier policies and destination rules before selling online.
A payment gateway configured for age-restricted products supports these compliance steps, and staying compliant protects your merchant account, because regulatory concerns are a key reason vape businesses are labeled high-risk in the first place.
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FAQ
Everything you need to know about high-risk payment processing
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