Vape & E-Cigarettes Merchant Accounts Processor & Gateway

Get a tailored e-cigarette and vape merchant account with dedicated solutions for e-cig merchant processing and other e-cig merchant services. At PayFasto, we specialize in offering high-risk merchants like you a secure, reliable payment gateway for all your online vape business transaction needs. 



What's Included In Our Vape & eCig Merchant Services

We handle over 1 million e-cigarette merchant processing transactions monthly worldwide. Wherever you operate from, we’ll provide you with safe and secure vape merchant account solutions that will take your business to the next level.

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Vape & E-Cig Services for US & Europe Merchants

At PayFasto, we’re committed to empowering vape and e-cigarette merchants in the US and Europe with superior payment solutions. Because we understand your industry’s unique challenges, we’ve been able to develop a specialized high-risk payment gateway tailored to meet all your smoke shop merchant account needs.

Deliver secure, dependable payment experiences to your customers globally while we handle the complexities of vape merchant services. Focus on growing your business and doing what you do best, knowing that PayFasto is here to support you every step of the way.

Looking for a Specialized Smoke Shop Merchant Account?

Searching for a trusted vape merchant account provider? PayFasto offers specialized merchant accounts designed specifically for e-cigarette and vape businesses, both online and offline. 

Whether you operate an e-commerce platform or a brick-and-mortar store, we’re here to support your business with reliable, secure payment solutions.

Request your free quote today to take the first step towards a seamless payment processing experience.

What Makes PayFasto the #1 E-Cigarette & Vape Credit Card Processing Solution

We understand the complexities of the e-cigarette industry and the payment challenges faced by business owners like yourself. Our decades of experience in vape merchant services and other high-risk business sectors set us apart as a payment processor.

Don’t believe us? Here are a few more reasons why you should choose PayFasto:

  • Industry Experience: With 10+ years of experience, we’ve mastered the art of establishing strong relationships with acquiring banks that are well-versed in the high-risk nature of vape and e-cigs businesses.
  • Reliable Merchant Accounts: We protect your e-cig and vape merchant account against sudden closures, suspensions, or terminations.
  • Affordable and Transparent: Expect affordable fees, clear terms, and no hidden costs. Our chargeback support and fraud protection measures keep your transactions safe.
  • 24/7 Customer Support: Our dedicated team is always available to assist you, ensuring you receive continuous support around the clock.
Advanced Features
  • Fraud Protection: Utilize our advanced fraud prevention tools integrated into our user-friendly payment gateway. Customize filters to detect and manage suspicious activities effectively.
  • Chargeback Alerts: PayFasto’s chargeback alert system notifies you in real time to manage disputes promptly and reduce future chargeback rates.
  • ACH/e-Check Processing: Expand your payment options with ACH/e-check processing, catering to customers who prefer bank payments or don’t use credit cards.
  • Multi-Bank Processing: To mitigate risks of account closures, PayFasto offers multi-bank processing, setting up multiple accounts to ensure seamless and uninterrupted payment processing.
Expanding Your Reach

The e-cigarette industry is booming, and with it comes the need for specialized payment solutions. PayFasto leads the way, providing vape payment gateways and e-commerce solutions tailored to this dynamic market. Whether you’re a small local shop or a large online business, our flexible and secure payment solutions are designed to meet your specific needs. Benefit from improved cash flow management, reduced processing fees, and faster transaction speeds with PayFasto’s dedicated support.

How to Apply for a High-Risk E-Cig & Vape Merchant Account

Applying for a high-risk e-cig and vape merchant account with PayFasto is straightforward, but it’s important to understand what to expect during the application review to increase your chances of approval. Here’s a step-by-step guide.

1. Determine Your Needs

First, decide whether you need a local or worldwide solution for your vape or e-cigarette business, depending on where your customers are located.

2. Understand Pricing & Terms

Pricing and terms vary depending on whether you’re a startup or an established business. For startups, remember there’s usually a 10% rolling reserve as a security measure.

3. Prepare for Application Review

To get your vape merchant account application approved quickly, ensure all your documents are valid and truthful. Report any restrictions and provide legal documents like permits or licenses.

4. Apply with PayFasto

We specialize in vape, smoke shop, and electronic cigarette merchant accounts. Reach out to our expert team to start your application.

5. Application Review

Underwriters will review your application and supporting documents to ensure you’re operating legally and assess your financial health.

6. Get Set Up & Start Processing!

Once your application is approved, we’ll help you set up your vape or e-cig merchant account. This includes integrating vape credit card processing and other merchant services into your website or app. Now, you’re ready to accept payments!


Customer Success Stories


Our Integrations

You’ll be well-connected to of the apps you know and love – even if you’re operating in a high-risk industry.  

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Frequently Asked Questions

An e-cigarette merchant account, also known as a vape merchant account, allows vape and e-cigarette businesses to process and receive payments online for products and services. Think of it as a key tool for your business, allowing your customers to easily pay for their online purchases with credit or debit cards.

When you set up a vape merchant account with PayFasto, you ensure that your e-shop can handle payments smoothly, safely, and securely. When a customer buys something, the payment goes through the vape merchant account first. Then, it’s transferred to your business account.

Having a vape merchant account is more than just a convenience; it’s a game-changer, especially with the growing e-cigarette industry and online shopping.

The main reason why vape and e-cigarette businesses are labeled high-risk is the increased possibility of fraud and chargebacks. This means that sometimes, customers might dispute a charge after making a purchase, even if there was no actual issue with the transaction. Chargeback disputes occur when customers ask their credit card company to reverse a charge, often due to dissatisfaction or other issues.

Setting up your smoke shop merchant account is a key step. Here’s what you need to get started:

  • Essential documents: Gather your Incorporation Certificate, Memorandum & Articles of Incorporation, and a color passport for UBO/Shareholders/Directors.
  • Proof of location: Provide a signed Office Lease Agreement or a recent Rental Invoice under your company’s name, not older than 90 days.
  • Banking details: Submit a Business Bank Statement under your company’s name, showing IBAN and SWIFT, also not older than 90 days.
  • Processing history (if available): If you have a processing history of the last 3-6 months, include it to show sales, refunds, and chargebacks. If not, a detailed business plan and cash flow forecast for at least one fiscal year will be needed.
  • Additional verification: Utility bills (like electricity, gas, water) under the name of UBO/Shareholders/Directors, and proof of domain ownership are required.
  • Local signatory: A KYC from a local signatory is necessary for vape/e-cigarette merchant accounts.

Remember, providing complete and accurate information from the start will speed up the approval process. Your e-cigarette business should be fully operational and compliant with all regulatory requirements. Missing information can delay the process, so it’s crucial to be thorough.

Vape and e-cigarette businesses are often labeled as ‘high-risk’ due to various factors, making it challenging to find reliable and affordable payment solutions. But why is this the case, and what does it mean for your business? The e-cigarette industry, along with related fields like nutraceuticals, faces ongoing regulatory changes. This uncertainty makes banks and financial institutions cautious about providing services.

Moreover, these businesses often experience higher rates of chargebacks, where customers dispute a charge, leading to potential financial losses for merchants. If you partner with an unsuitable high-risk merchant account provider, you might inadvertently violate industry regulations. Such violations can lead to severe consequences like account closure, fund seizure, and loss of financial stability for your vape business.

To avoid pitfalls, choose a merchant account service provider like PayFasto that understands the high-risk nature of your business.

A paraphernalia merchant account is essential for businesses selling specific types of products like glass pipes, grinders, rolling machines, ashtrays, bongs, and water pipes. These items, often used as smoking accessories, place such businesses in the ‘high-risk’ category, especially when linked to the cannabis industry and CBD-based products.

Traditional financial institutions often hesitate to work with industries involved with products of this nature. This categorization makes it challenging for these businesses to find reliable and affordable payment processing solutions.

Fortunately, PayFasto is here to provide you with a dedicated merchant account so your business can operate smoothly, securely, and without the fear of sudden financial disruptions.

A vape merchant account is a dedicated high-risk merchant account designed to handle all kinds of online transactions for cigarette (or e-cigarette) businesses. It handles all kinds of credit and debit card processing for cigarette vape businesses. Such funds are typically transferred into the business’s account after complete processing. 

Financial institutions classify the tobacco industry as high-risk because of factors like potential chargebacks, legal complexity, and people’s perception of the products involved. Thanks to these factors, financial institutions typically perceive financial transactions in this industry to pose greater risks, making it more challenging for traditional merchant accounts to want to cater to the industry.

Traditional merchant accounts typically shy away from handling smoke shop payment processing transactions because of the risks involved. So, it’s often difficult to find a regular merchant account that supports such transactions. However, there are specific e-cigarette merchant accounts like PayFasto dedicated to handling efficient payments in this industry. Thus, e-cigarette merchants must find such accounts to process their day-to-day transaction demands. 

Yes, different countries have different requirements for verifying age when it comes to tobacco or e-cigarette sales. For example, in many parts of the United States, it is illegal to sell tobacco to anyone under the age of 21. This is a strict liability offense, and tobacco businesses are held responsible for it in most countries. Therefore, online vape shops require age verification before customers can reach the checkout page on their websites.

Technically, you can sell vapes on Shopify. However, it’s important to note that online e-commerce platforms like Shopify and WooCommerce have strong regulations relating to tobacco and other vaping products. Therefore, it’s important to read all the laws and regulations relating to Electronic Nicotine Delivery Systems (ENDS) before venturing into the business. Also, note that the laws may vary based on where your store is located and the regions you sell to. 

You can deter fraud and chargeback within your tobacco business, but it takes strict measures. Some of the steps you can adopt include:

  • Use a reputable and dedicated vape merchant account
  • Adopt the right payment processing gateway technology
  • Incorporate an address verification service to determine the correct address of users
  • Verify cardholders information 

Yes, there are legal constraints regarding the sale and distribution of tobacco and vape products in many countries. One of the most common constraints is age. Different countries have different age restrictions for selling tobacco products, and you must research these restrictions to avoid breaking the laws surrounding cigarette vape sales. 

responsible for it in most countries. Therefore, online vape shops require age verification before customers can reach the checkout page on their websites.

The time it takes to verify your vape retail merchant account and start receiving payments typically varies based on the payment provider’s internal policies. While some accounts require very minimal set-up time, others can take days or weeks of detailed verification and compliance checks to set up.

There’s no fixed time for the approval of an electronic cigarette merchant account. The time it takes depends on the e-cig merchant services you offer. Domestic vape merchant accounts typically take about 3-10 business days for complete verification. Offshore accounts take even longer, depending on the countries involved. 

The fees relating to electronic cigarette merchant accounts depend on the provider. However, the standard fees usually include transaction fees, chargeback fees, monthly account maintenance fees, and other additional fees. These fees may be a little higher than what you would get with traditional merchant accounts.

PayFasto offers a full spectrum of merchant accounts for tobacco, e-cig, and other types of vaping-related businesses. This includes e-cig, e-juice, smoke shops, vape pods, vapors, vaporizers, smoking lounges, and other related products. However, note that we won’t accept businesses that sell any kind of unauthorized smoke flavor. 

Yes, PayFasto is compatible with most existing vape & e-cig POS and eCommerce commercial businesses. As a leading online and e-commerce payment processor, we’re ready to support merchants that may have their preferred e-commerce and CRM platforms.

At PayFasto, we serve the US, UK, and European markets, including (but not limited to) countries such as:

  • Spain
  • Italy
  • France
  • Germany
  • Portugal
  • Denmark
  • Sweden
  • Greece
  • Austria
  • Malta
  • Monaco
  • Netherlands
  • More!

There’s no one best merchant account when it comes to payment processing in high-risk industries like this one. Your choice should be based on what you want to get from the payment processor.

However, top payment processors like PayFasto offer so many features and benefits that are hard to ignore. Before choosing a smoke shop payment processing platform, we recommend researching its features and legal issues to be sure it suits your business model.