Sponsor banks that accept the vertical
We match smoke and vape accounts with processors and banks that underwrite these businesses on purpose, so the account stays open past month three.
Payment ProcessingSmoke, vape & accessories
Stable processing for a vertical banks often misunderstand
Tobacco and vape merchants get shut down or held without warning because their processor never underwrote the vertical properly. We place these accounts with sponsor banks that accept them by policy, build the file correctly up front, and keep reserves reasonable.
- That accept smoke & vape
- 5 sponsor banks
- Application turnaround
- 24-48 hrs
- Card-on-file for repeat buyers
- Tokenized
That accept smoke & vape
Application turnaround
Card-on-file for repeat buyers
What we hear
The problems tobacco & vape shops owners actually call about
- Accounts frozen or terminated after the first high-volume week
- Processors that claim they accept vape, then close the file quietly
- Chargebacks from online orders with weak age verification
- High effective rates because the business is coded as generic retail
How we fix it
Age verification and compliant descriptors
Online and in-store tools confirm age before checkout, and billing descriptors are set to reduce confusion and disputes.
Dual pricing to bring net cost down
Where allowed, dual pricing lets customers paying by card cover the cost of acceptance while cash buyers pay the posted price.
Payment Processing"Our last processor held our funds for 45 days before shutting us off. PMP placed us with a bank that actually wanted the business and we have not had a hold since."
Dana S.
Owner, vape shop chain
Questions
Tobacco & Vape Shops FAQs
Will my vape shop account get shut down?
Not if it is underwritten to the right bank from day one. We prep your descriptors, website compliance and chargeback controls before submission so the account is approved and stays active.
Can we sell online?
Yes, with the right gateway, age-verification integration and compliant billing descriptors. We build the full stack so online orders clear without surprise holds.
Related industries
No obligation
See what tobacco & vape shops pricing should cost you.
Send one recent processing statement. Within 24 hours you get a written line-by-line breakdown of your true effective rate and what our program looks like beside it.