E-Cigarettes & Vape Merchant Account and Payment Processing

An e-cigarette & vape merchant account from PayFasto, will help your business with all your payment processing needs.

Global service

Payment solution for US and Europe merchants

At PayFasto, we understand the unique challenges faced by merchants in both the US and Europe. That’s why we offer a high risk payment gateway solution that caters to the needs of businesses in both regions. Our platform allows merchants to accept payments from customers acrss the globe, while also providing secure and reliable transaction processing.

Our clients

Request your free quote now with PayFasto.

Request your free quote now with PayFasto Payments. Within 24 hours, we will get back to you with an offer designed expressly for your high-risk industry needs.

Are you looking for a specialized for a specialized e-cigarette and vape merchant provider?


PayFasto provides merchant accounts for merchants selling e-cigarettes and vapes online with the best terms on the market and we ensure you get a bank specializing and understanding high risk industries. Contact us already today if you are interested in getting a merchant account by clicking on Get A Quote or going to our Contact Page. PayFasto’s solutions are available for e-commerce businesses, offline businesses and much more so do not hesitate to fill out a pre-app today.


Fees that PayFasto will charge depend on factors like processing history, method of sales, destination countries, volume of sales, and products. All Gambling Merchant Accounts are unique but included terms stay the same for most: merchant discount rate (MDR), transaction fees, monthly gateway fee, 0-6 month rolling reserve, chargeback fee, refund fee


from 2.5%

Setup Fee

from €0

Monthly Fee



from €0.20










from 0%


from 0 days


from daily +3

All pricing are subject to negotiations if you have higher volumes or history

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Want to shake off
a few more doubts?

What Is an e-Cigarette Merchant Account?

The E-cigarette merchant account, also known as a vape merchant account, is a special type of account that allows vape businesses to process and receive payments for products and services. Simply put, a vape merchant account is a must-have if you want your customers to make payments for your products or services online.

With a vape merchant account adequately set up, you will no doubt receive payments from customers through your e-shop and payment systems seamlessly, safely, and securely using credit or debit cards. 

The process usually requires processing payments from the customer’s account into the vape merchant account. After this, the money is transferred to your business account, which can later be used for your business activities, such as restocking your inventory, paying salaries, and more. Essentially, the e-cigarette account serves as the middleman in the process. With the booming e-cigarette industry and the increased adoption of e-commerce, having a vape merchant account could be an absolute game-changer for your success in the industry. 

Why is Vape and E-cigarette Credit Card processing defined as high risk?

The main risks within the vape and e-cigarette are friendly frauds and chargebacks. These websites can be used to commit frauds online. Also included in the risk overview there is the high probability for chargebacks due to losses from customers but we have solutions to help prevent these.

How do I get a Vape and E-cigarette Merchant Account?

One of the first things needed for you as a merchant is to obtain a vape and e-cigarette merchant account, in order to process and bill your customers. This can be done locally or via a worldwide solution. Different things like pricing and terms changes depending on whether or not it is a start-up or an ongoing project which currently accepts payments on the website / app. When it comes to your business being a start-up, it will come with a rolling reserve of usually 10% and it will mean “worse” terms but we try to stay competitive and help you get started cheapest possible.

PayFasto – Your Number One E-Cigarette and Vape Credit Card Processing

At PayFasto, we are not unaware of the complexities of the e-cigarette industry and the challenges many business owners face with respect to receiving payments. 

We know what it takes to take your payment processing to the next level. That’s why we have excelled in establishing robust relationships with acquiring banks. Our understanding of the industry, coupled with our decades of experience getting merchant accounts for CBD vape/e-cigs and other high-risk businesses, places us on a high pedestal above others. You do not have to fear or worry about having your merchant account closed, suspended, or terminated. 

If you’re looking for a credit card processing company that offers affordable fees, chargeback support, fraud protection, and 24/7 customer services, feel free to fill out our application below. You cannot wait to see what PayFastopayments can do for your vaping business. 

Light Up Your Payment Processing with Us Now!

Detailed requirements

  • Incorporation Certificate.
  • Memorandum & Articles of Incorporation.
  • Color Passport for UBO / Shareholders / Directors.
  • Office Lease Agreement signed by both parties. Or Rental Invoice under company’s name – not older than 90 days from the date of application.
  • Business Bank Statement under company’s name and present address, showing IBAN and SWIFT – not older than 90 days from the date of application and for the last three concecutive months.
  • If Processing History is available for latest 3-6 months from the date of application – under company’s name, showing processor’s name/logo, sales, refunds, and chargebacks for each month separately.
  • If Processing History is unavailable then detailed business plan and cashflow forecast for minimum of one fiscal year. Get it here
  • Utility Bill [electricity / gas / water / rental / tax bill] from UBO / Shareholders / Directors under their name and present address – not older than 90 days from the date of application.
  • Proof of domain under company’s name, showing applying URL and date of domain renewal / expiry – preferably domain purchase receipt.
  • Local signatory is a requirement for this vertical, therefore KYC from local signatory is needed.

Electronic cigarettes, often shortened as e-cigs and vaporizers, are excellent alternatives to popular tobacco and have become increasingly popular in our present world. Just like nicotine, e-cigarettes offer similar unique psychoactive effects. The only difference is that e-cigs emit water vapor instead of creating smoke. As a result, more and more entrepreneurs have continued to venture into establishing more CBD vape shops, resulting in a radical increase in the need for e-cigarette merchant accounts.

There’s no denying the fact that business operations in the vaping industry have continued to expand over the years without regulations or guidelines. And the Federal Government has released several threats of clamping down on the industry, placing the entire e-cigarette industry into a gray area with many credit card processing companies. 

Similarly, merchants providing payment gateways and credit card processing services for the electronic cigarette industry have faced a series of regulatory changes and tightening underwriting guidelines. Working with the best payment processing company is undoubtedly a surefire way to get your business reliable, trusted, and dependable payment processing. 

Here in this piece, we’ll take a comprehensive look at the e-Cigarette merchant accounts industry, why you need a dependable credit card processing company, and a host of other details. 

But before then, let’s begin with what an e-cigarette merchant account means. 

Businesses in the e-cigarette industry face many nightmares concerning getting their credit or debit card transactions processed efficiently and quickly. For several years now, the e-cigarette industry and other related businesses such as nutraceuticals have been considered high-risk, thus making it highly challenging for many businesses in this space to find reliable and affordable payment systems and solutions. 

Let’s take a look at this scenario. You own and operate a smoke shop and unknowingly run into the wrong high-risk merchant account provider. How do you get out of this? Yes. You could not stay away from violating the rules and will most likely face the consequences. 

Your financial institution will clamp down on your vape merchant account and services, and your funds will be seized. Remember, you would not receive any prior warning as this account closure is outright. Consequently, you’ll be devastated as your vape business, products, and cash flow is grossly affected. Not only that, but you’ll also lose your current finances to this outright ban or suspension. 

What’s the best way to keep yourself out of such situations? Choosing an appropriate merchant account service provider for your business is the best way. 

E-cigarette and low-risk merchant accounts have some significant differences. If you’re deemed high-risk, major banks and low-risk processors will clamp down on your account or refuse to work with you. The charges are also on the high side as these banks and processing companies are taking higher risks. 

If you want to avoid running into situations where your funds are frozen or withheld, working with a high-risk payment processor is the best option for you. This will significantly protect your business in the long run, gives you global coverage, and allow you to process sales from all parts of the world. 

Have you ever come across the term “paraphernalia?” Do you know this term is used to describe devices or equipment utilized for specific purposes or activities? Paraphernalia includes glass pipes, grinders, rolling machines, ashtrays, bongs, and more. For instance, water pipes are also a typical example of paraphernalia as they are used as smoking accessories. 

Admittedly, the cannabis industry is booming, and unfortunately, some traditional institutions have refused to get involved. Hence, companies that specialize in selling smoking paraphernalia have been labeled high-risk because of their involvement with hemp and CBD-based products.

As a result, this type of business requires a paraphernalia merchant account in order to process payments from credit and debit cards online. Meanwhile, banks and other financial institutions are now more careful and wary of dealing with these types of businesses and do not want to be associated with them at all. 

As an e-cigarette business, there are specific requirements to support your application for a high-risk merchant account, which underwriters usually provide. When you’re able to provide all these documents from the get-go, you have significantly boosted your chances of approval for your e-cigarette merchant account.

Simply fill out PayFastoPayment’s e-cigarette merchant service online application to get started. Ensure that you have the following documents ready to support your application. 

  •         Completed application 
  •         Government-issued photo ID, such as your driver’s license
  •         Copy of Recent Bank statements (3 months period)
  •         Copy of Recent credit card processing statements (3 months period)
  •         Social Security Number (SSN) or Employer Identification Number (EIN)
  •         Chargeback ratio under 2%

Remember, a complete application plus a colored copy of your Government issued ID is needed from the get-go as it will assist underwriters to begin their background checks. Also, keep in mind that your e-cigarette must be fully functional and operational while adhering strictly to all regulatory obligations. When you miss essential information, your application process will be delayed, and you will be forced to wait longer to accept credit cards. 

PayFasto guarantees a streamlined application process that guarantees approval within 24-48 hours. 

It’s no longer news that the e-cigarette industry is one of the high-risk industries. Thus, most traditional credit card processing companies are wary of approving a merchant account for e-cigarette businesses and other businesses labeled as high-risk. In fact, your application for any type of financial services will be outrightly rejected or declined on hearing that you deal with e-cigarettes. 

Of course, traditional merchant accounts are excellent alternatives to help you kickstart your e-cigarette business, but they aren’t exempted from severe risks. Sales of high-risk products and services are canceled weeks after approval, leaving you with zero revenues for several weeks until you go through another rigorous process to sort things out. 

Meanwhile, your status as a high-risk business shouldn’t exclude you from receiving payment processing services or accounts. That’s why you need a reliable payment processor specifically designed to accept high-risk e-cigarette payments and other high-risk transactions. Hence, leaving you with ample time to focus on other aspects of your business. 

Did you experience a clamp down on your e-cigarette account? Do you need the best vape merchant account? Now is the right time to advantage of our merchant account services at PayFasto. We are the best merchant account service provider that offers the highest quality account recovery services for vape shops and other high-risk businesses. It’s not surprising that traditional credit card processing companies do not want to associate themselves with high-risk industries, which is why we have come to your rescue. 

Looking for a reliable, dependable, and trustworthy high-risk payment processor? Look no further, as PayFasto is here to get you out of that situation and help resume your company’s sales. Whether you’ve violated the industry policy, or your funds got frozen by banks and other financial institutions, our desire is to get you back on track. 

No matter the reasons behind your account suspension, PayFasto is here to help you sail through this challenging situation. We do not only act as swiftly as possible to help you get things back up and running, but we also provide the best and most effective solutions customized for you and your e-cigarette business with over 2 decades of banking relationships. 

If you are genuinely passionate about getting your CBD vape merchant account application approved as quickly as possible, you’ll need to go above and beyond to prove that you’re operating legally.

What’s the best way to do this? Ensure that your documents and application are valid. You must tell your underwriters the truth about your business and report any restrictions. This will eventually help support your claims and facilitate your application approval.

Several methods are employed in such situations, including the provision of your legal documents such as permits or licenses to your credit card processors before submitting your application for e-cig and vape merchant accounts.  

You own an electronic cigarette or smoking accessory business. So, your underwriters will only review your application and supporting documents from the perspective of your business. They’ll look thoroughly and comprehensively to know whether you’re operating legally in line with the established laws and regulations in the industry.

Whenever a website is reviewed for approval, your underwriters check for products not marketed directly towards cannabis, marijuana, and other substances since they are still considered illegal according to federal laws. 

For underwriters, their primary objective is to ensure that your business is worthy of their investments. Therefore, numerous factors, such as the company’s credit card processing history, your website, and bank statements, are considered to discover any unlawful activities. They also check further to examine your status with respect to unpaid bills you might have forgotten about. All these help them get an accurate picture of your financial status before your application for an e-cigarette is processed for approval. 

If you want to enjoy a simple and smooth ride to approval, ensure you’re entirely free from outstanding debt, deposit an excess amount in your bank to cover unexpected expenses, and maintain an outstanding credit history. With these, you’ve portrayed your business as legitimate without lower risk to underwriters. In addition, you will also be offered additional perks, such as an increased limit of processing volume monthly or lowered reserves.

PayFasto has continued to leave an excellent footprint in the credit card payment processing industry as our services cover all industries deemed high-risk. We have a track record of carefully studying and understanding each industry’s unique needs, and we tailor our merchant accounts and payment processing services to meet these specific needs.

Undeniably, the e-cigarette industry has witnessed exponential growth over the years. With this growth comes the increasing need for multiple banking solutions specifically tailored toward meeting the needs of e-cigarette and CBD vape merchants. 

Our industry-leading merchant account for vape and e-cigarettes offers advanced-level features at affordable and budget-friendly rates. These features include but are not limited to fraud protection, ACH/e-checks processing, chargeback alerts, and many more. 

Let’s take a brief look at some of these features:

Fraud Protection

With PayFasto, all fraud issues will be taken care of using our high-level fraud prevention and protection tools. Our tools are uniquely integrated into our easy-to-use payment gateway, which helps you detect fraudulent activities in real-time.

More importantly, our e-cigarette merchant accounts are customized to address the unique needs of every merchant. Merchants can decide to configure the filter based on how the system protects and prevents fraud. The system can either decline suspicious transactions or hold transactions pending further investigation. 

Chargeback Alerts

Chargebacks are a common thing in the e-cigarette industry as well as other industries like CBDforex, dating, adult, and gambling. It simply occurs when a customer purchases products or services and devices to request that the credit card issuer should reverse the payment. 

The reasons behind chargebacks are numerous, but the most common include:

  •         Failure of the company to ship the products on time or at all.
  •         Dissatisfaction with the purchase of products or services.
  •         Fraudulent activities on the merchant of the company.

When a customer approaches their credit card issuer to request a chargeback illegitimately to get their money after they made a purchase, it is known as a fraudulent chargeback. 

On the path of banks, only a limited number of chargebacks are tolerated by merchants. If the number of chargebacks a merchant receives is high beyond the recommended limit, it’ll amount to the freeze or closure of the account by the bank, thus leaving merchants with no other available alternative to process credit and debit card payments. 

Trust us at PayFasto to provide the cheapest online vape merchant account with incredible chargeback alert features. This advanced-level feature is configured to notify you of any real-time request for chargebacks. Therefore, you would have ample time to proceed with the dispute process with immediate effect, while the rate of future chargebacks you receive will be significantly reduced. 

ACH/E-Checking Processing 

With the option for Ach/e-checks, making payments for products and services becomes much easier and faster. When you’re able to integrate systems that allow you to accept ACH bank payments, you will undoubtedly expand your customer base.

Therefore, those potential customers who do not have their credit cards or do not wish to use them for online purchases will be comfortable and convenient with ACH/e-check payments, thus leaving you with more customers and increased revenues. 

Multi-Bank Processing

High-risk businesses like the e-cigarette industry face a greater chance of clamping down on their merchant account or getting their accounts frozen, suspended, or closed without prior warning. That’s why PayFasto has built a robust relationship with banks and other financial institutions willing to work with high-risk businesses in the United States and offshore. 

For every e-cigarette customer, we employ multi-bank processing where every customer is set up with 4 different accounts. That way, you would not need to worry about receiving your payment effortlessly and seamlessly. Therefore, this is expected to reduce the exposure of your vape shops merchant account while also cutting the risk of losing your account.