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Best e Cig Merchant Account Providers

Overall Rating:
User Reviews:

Accepts retail and online eCig & vape businesses. Offer cheap rates, same day approvals, and with 6 processing banks they get almost every e-cig business approved including startups, bad credit, and high chargeback businesses.

1.95% - 4.95%
  • Accepts All e-Cig
  • Cheap Rates
  • Good Customer Service

Overall Rating:
User Reviews:

Flagship has a number of sponsor banks, enabling it to generally accept all e Cig businesses. Their approval process is typically 3-4 days.

4.45% - 4.95%
  • Accepts eCig businesses
  • 24/7 Customer Service
  • Startups Accepted

Overall Rating:
User Reviews:

A company that accepts both online and brick and mortar eCig businesses through it's high-risk channel.

3.95% - 4.95%
  • Online & Retail Accepted
  • BBB A Rated
  • Startups Accepted

Overall Rating:
User Reviews:

iPayment, though their high-risk channel National Bank Services, accepts both retail and online e-Cig businesses.

3.95% - 4.00%
  • Accepts eCig businesses
  • 24/7 Customer Service
  • Startups Accepted

Overall Rating:
User Reviews:

NetCom is a smaller ISO that focuses on personalized customer service. They primarily accept retail e cigarette businesses, but can accepted limited online shops.

3.95% - 4.95%
  • Retail eCig processor
  • BBB A+ Rated
  • Friendly Service

For More Information About eCig or Vape Merchant Accounts or To Sign Up

Best Electronic Cigarette and Vaporizer Shop Merchant Services Options

If you run or are starting an eCig website or vape shop, you need reliable debit and credit card processing at affordable rates. Because e-cigarette and vape technology is relatively new, and the regulatory environment and laws under which they operate are still not fully settled, many major low risk processors have thus far refused to provide merchant accounts for eCig businesses. That has been particularly true for online eCig businesses. Initially, this caused many e-Cig and vape shops to turn to more expensive domestic options, but in the last year a number of processors with major bank sponsorships have begun accepting online and retail eCigarette companies. Some of the leading options are listed above.

Why are Retail and Online eCig Shops Considered High-Risk?

There are three main reasons eCig and Vape businesses are considered high risk, (1) regulatory, (2) public risk, and (3) high chargeback potential. The first reason, (1) Regulatory, is simply that vaporizers and e Cigarettes is a new industry without settled regulations or laws. The law is still developing rules to govern how eCigs can been sold and consumed, and that uncertainty scares many banks and processors. The second reason, (2) public risk, means simply that very large banks like Wells Fargo and Chase simply do not want their brand associated with any type of business that might be perceived as controversial, which includes retail and online electronic cigarette businesses. The final reason, (3) high chargeback potential, is a potential financial risk to the processor or sponsor bank. Tobacco and smoke shops have traditionally had high chargeback rates, and as a general rule so do eCig and vape shops. Online businesses in general have higher chargeback rates than retail or brick and mortar stores, so combined, obtaining a merchant account or gateway for an online eCig website or online vaporizer sales shop can be particularly difficult.

Offshore and U.S. Merchant Account Options for Retail and Online eCig Businesses recommends a number of processors and gateway providers with sponsor bank relationships that provide both domestic and offshore e Cigarette merchant accounts. We can provide credit card processing for e cig companies under the following two options:

US eCig Merchant Account Requirements:

  • US based company entity.
  • US based company representative.
  • US bank account
  • Business operations can be based globally

Offshore / European eCigarette Merchant Account Requirements:

  • Minimum $15,000 USD per month in sales
  • Company can be based anywhere
  • No US or UK representative required

Pricing & Contract Terms

If you are looking for an eCig merchant services provider, contact us via email or call us today to discuss establishing a merchant account for your e vaporizer or e cigarette business. We’ll discuss the following:

Pricing Available:

  • Discount Rates ranging from 1.95% to 4.95%
  • Authorization Rates ranging from: $0.15 to $0.75
  • Monthly Fees: Rates ranging from $5.00 per month to $149.00 per month

Other Contract Terms:

  • Rolling Reserve requirements ranging from: 0% rolling reserve, to 25% rolling reserve
  • Holdback Periods: Ranging from 0 to 7 days
  • Contract Length: Month to Month is available
  • No Application Fee
  • Direct funding with regular deposits (either daily or weekly depending on offshore v. onshore)

Additional Benefits:

Through the processing partners we recommend, e cigarette businesses can expect the following additional benefits:

  • In house expert underwriting
  • Same day approvals
  • Multiple currency acceptance and deposits
  • Compatible with most major gateways and shopping carts
  • Visa / MasterCard / American Express Acceptance
  • MOTO (phone / mail), eCommerce, and swipe accepted.
  • Compatibility with over 50 processing gateways and virtual terminals
  • Integration assistance with over 100 shopping carts
  • Chargeback prevention & avoidance
  • Chargeback fighting
  • 3DS processing
  • eCheck processing
  • Online Gateways with chargeback prevention / screening

Types of e-Tobacco Businesses Accepted:

MerchantNegotiators, through its partners, can provide credit card processing for a wide array of eCig businesses. That includes Vaporizer

Additionally, our partners accept businesses with specific needs. Common requests include: high volume or high velocity accounts, large ticket accounts, accounts with no rolling reserves, no volume caps, or next day payouts. In addition, our partners can provide gateway and retail credit card processing for the following types of eCig businesses:

  • Startup eCig businesses and existing businesses
  • Previously rejected or dropped by another processor
  • High chargeback or bad credit eCig merchants
  • Merchants who appear on the TMF or Match List
  • Processing Minimums: $0 Minimum for Domestic Accounts, $15,000 for Offshore Accounts
  • Processing Maximums: No Minimum for Domestic Accounts, $1,000,000 per month for Offshore Accounts without previous processing history
  • Domestic (US entity, US business representative, US bank account) and Offshore

Contact Us To Ask Questions About Obtaining an e-Cig or Vape Merchant Account

As a global leader in providing references for eCig businesses to obtain merchant account services,’s expert team can help you obtain a merchant account for your electronic cigarette or vaporizer business in as little as 24 hours. Contact us today at 1-877-296-3690 to discuss your eCigarette company‚Äôs credit card processing options

For More Information About eCig Merchant Services or To Sign Up

As seen in...

These Companies Have Saved Thousands by Using MerchantNegotiators:

Dr. Amber Pedlar
Dentist / Founder
Pedlar Dentistry

"We were uncomfortable signing the first contract that we got and wanted to compare different companies...

We were able to compare 3 different credit card [processing] companies. It took 10 minutes, we picked one, and were able to save $3,000 dollars."

Chris Pavlick
AllCo Global

"They will monitor contracts, offer low rates, offer you a choice of companies to deal with, and most importantly, they hooked us up with someone that appreciated and understood international transactions.

Therefore we are extremely pleased to have found"

Jimmy Atkinson
Co-Founder was able to secure cheaper rates than I was ever able to on my own.

I'm quick to recommend to any business owner that takes credit cards. It's fast, it's free, it's easy, and best of all it can actually save you money." is now offline.

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