Vape & E-Cigarette Merchant Accounts
Reliable payment processing solutions designed specifically for vape and e-cigarette businesses. Get approved with competitive rates, even if you've been declined by traditional processors.
- ✓Specialized processing for vape businesses
- ✓Support for both retail and online vape sales
- ✓Age verification and compliance tools
- ✓Fast setup with 24-72 hour approvals
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Payment Processing Challenges for Vape Businesses
Understanding the unique obstacles vape and e-cigarette merchants face and how Kosipay solves them
High-Risk Classification
Vape and e-cigarette businesses are automatically classified as high-risk by traditional banks and payment processors, leading to frequent account rejections or sudden terminations. Kosipay specializes in high-risk industries and provides stable, long-term processing solutions specifically for vape merchants.
Regulatory Complexity
The vape industry faces complex and evolving regulatory requirements from the FDA, state agencies, and local authorities. Our payment solutions include compliance tools and ongoing support to help you navigate these regulations while maintaining successful payment processing.
Excessive Fees
Many processors charge vape businesses exorbitant rates and fees, taking advantage of the limited options available. Kosipay offers transparent, competitive pricing specifically tailored to vape merchants, with no hidden fees or unexpected charges.
Age Verification Requirements
Vape businesses must implement strict age verification processes to prevent underage sales. Our payment solutions include integrated age verification tools for both online and in-store transactions, helping you maintain compliance with these critical requirements.
Banking Restrictions
Many vape businesses struggle to find banking partners willing to support their operations. Kosipay has established relationships with banks that understand the vape industry and are committed to serving compliant businesses, providing you with stable, long-term processing solutions.
Processing Instability
Vape merchants often face sudden account terminations or freezes due to risk reassessments or policy changes. Our multi-bank network provides redundancy and stability for your business, ensuring you can continue accepting payments even if a particular processor changes their policies.
Vape Payment Processing Solutions
Comprehensive payment services tailored for the vape and e-cigarette industry
Vape-Friendly Merchant Accounts
Dedicated merchant accounts specifically designed for vape and e-cigarette businesses with high approval rates, even for previously declined merchants.
Online Payment Processing
Secure online payment gateways that integrate with major e-commerce platforms and shopping carts for your vape store.
In-Store POS Systems
Complete point-of-sale solutions for vape shops and retail locations with integrated age verification and inventory management.
Age Verification Tools
Built-in age verification systems for both online and in-store sales to ensure compliance with regulations and prevent underage purchases.
Subscription Billing
Recurring billing solutions for e-liquid subscriptions, membership programs, and product autoship services.
Mobile Payment Options
Accept payments on-the-go at vape conventions, events, and pop-up shops with mobile payment solutions.
Multi-Location Support
Unified payment processing for vape businesses with multiple retail locations, with centralized reporting and management.
Compliance Tools
Built-in features for maintaining compliance with vape industry regulations, including shipping restrictions and product verification.
Fraud Protection
Advanced fraud detection and prevention systems designed specifically for the unique risks facing vape merchants.
Simple Application Process for Vape Merchants
Our streamlined application process gets your vape business processing payments quickly
Complete Application
Fill out our simple online application with details about your vape business and products
Submit Documentation
Provide necessary documentation, including business licenses, compliance materials, and age verification processes
Compliance Review
Our specialist underwriting team reviews your application with vape industry expertise
Account Approval
Receive account approval within 24-72 hours, significantly faster than industry averages
Integration Setup
Our team configures your payment gateway and integrates with your existing systems
Start Processing
Begin accepting payments for your vape products with ongoing compliance support
Vape Compliance & Risk Management
Multi-Channel Vape Sales
Frequently Asked Questions
Common questions about vape merchant accounts and payment processing
Why are vape businesses considered high-risk by payment processors?
Vape businesses are classified as high-risk due to several factors: regulatory scrutiny and frequent regulatory changes, age restriction requirements and compliance concerns, higher-than-average chargeback rates, industry reputation issues, product liability concerns, and shipping restrictions across different jurisdictions. Kosipay understands these unique challenges and provides specialized services to mitigate these risks while maintaining reliable payment processing.
What are the processing rates for vape businesses?
Processing rates for vape merchants typically range from 4.0% to 6.0% plus a small per-transaction fee, depending on your business model, processing volume, and risk profile. While these rates are higher than those for traditional retail, they reflect the specialized banking relationships required for vape processing. Kosipay offers competitive, transparent pricing with no hidden fees, and we provide custom quotes based on your specific business needs.
Do you require a rolling reserve for vape merchant accounts?
Some vape merchant accounts may require a rolling reserve, which is a percentage of your processing volume held in reserve to cover potential chargebacks. Not all accounts require reserves, and we work to minimize or eliminate reserves when possible based on your business history and risk profile. When required, reserves typically range from 5-10% and are fully returned to you after a predetermined period, usually 6 months.
What documentation is required to apply for a vape merchant account?
For a vape merchant account application, you'll typically need: business license and formation documents, tobacco or vape-specific licenses (if required in your state), bank statements (3-6 months), processing statements (if applicable), valid ID for all owners with 25%+ ownership, detailed description of products sold, age verification procedures, clear return/refund policies, shipping policies (including state restrictions), and website or physical store details. Our application specialists will guide you through the exact requirements.
How do your payment solutions handle age verification for vape sales?
Our payment solutions for vape businesses include comprehensive age verification features: integrated online age verification services that check customer information against public records, ID scanning capabilities for in-store purchases, age verification at checkout for online sales, signature-required delivery options with age verification, transaction records that document verification steps, and compliance reporting to demonstrate adherence to age restriction requirements. These tools help protect your business from underage sales while providing a smooth experience for legitimate adult customers.
How do you help vape merchants prevent chargebacks?
Our vape merchant accounts include specialized chargeback prevention tools: clear billing descriptors that remind customers of their purchase, detailed product descriptions and specifications to prevent customer confusion, comprehensive receipt and shipping confirmation systems, customer verification procedures during checkout, and advanced fraud detection to minimize unauthorized transactions. We also provide dispute management services with industry-specific response strategies and evidence templates designed for vape-related disputes.
Have more questions about vape payment processing?
Speak With a Vape Payment SpecialistGet Your Vape Merchant Account Today
Don't let payment processing limitations hold back your vape business growth. Our specialized solutions ensure you can accept payments reliably and securely.
- ✓High approval rates for vape merchants
- ✓Integrated age verification and compliance tools
- ✓Support for both online and retail vape sales
- ✓Ongoing regulatory compliance support
Get Started Today
Fill out the form below to receive your tailored payment solution
By clicking submit, you agree to our Terms of Service and Privacy Policy