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E-Cig/Vape Electronic Payment Services

E-cigarette and vape businesses are considered high-risk merchants due to the evolving and complex regulatory landscape, health concerns surrounding their products, and the potential for legal and compliance challenges, including age verification and marketing restrictions.

While most banks and payment processors shy away from electronic payment services for E-cigarette and vape businesses, we welcome you. Read more below.

What e-cigarette and vape-related business types do we support?

Here are some examples of e-cigarette and vape related business types we support:

  • Vape Shops

  • E-Liquid Manufacturers

  • Vape Device Manufacturers

  • Online Vape Retailers

  • Vape Juice Flavoring Companies

  • Wholesalers and Distributors

  • Vape Lounge and Bars

  • E-cigarette Subscription Services

  • Vape Accessories Manufacturers

  • E-cigarette and Vape Trade Shows

  • Vape Marketing and Branding Agencies

  • Vape Regulatory Compliance Consultants

  • E-cigarette Product Testing Laboratories

  • Vape Online Communities and Forums

  • Vape Affiliate Programs

  • Vape Recycling and Disposal Services

What factors cause e-cigarette and vape businesses to be considered high-risk?

E-cigarette and vape businesses are often considered high-risk merchants due to several factors associated with their operations:

  1. Regulatory Uncertainty: The vaping industry is subject to evolving and often complex regulations at both the federal and state levels, making it challenging for businesses to stay compliant.

  2. Health Concerns: Growing concerns about the health effects of vaping, particularly among young people, have led to increased scrutiny, regulations, and public perception issues.

  3. Age Verification: Strict age verification requirements are necessary to prevent underage sales, adding complexity to the sales process and raising compliance concerns.

  4. Marketing Restrictions: Many jurisdictions impose restrictions on the advertising and marketing of vaping products, limiting promotional opportunities for businesses.

  5. Flavor Bans: Some areas have implemented bans on flavored e-liquids due to concerns about their appeal to youth, impacting product offerings and sales.

  6. Product Liability: Health-related issues or adverse events linked to vaping can result in product liability claims and lawsuits against manufacturers and retailers.

  7. Payment Processing Challenges: Due to the perceived higher risk associated with vaping, some payment processors and banks may be reluctant to work with e-cigarette and vape businesses, making it difficult to secure reliable payment processing solutions.

  8. Age Verification and Compliance Costs: Implementing and maintaining age verification systems, complying with regulations, and conducting regular compliance audits can be costly.

  9. Tobacco Excise Taxes: In some regions, vaping products are subject to excise taxes similar to those applied to tobacco products, affecting pricing and profitability.

  10. Cross-Border Sales Restrictions: E-cigarette and vape businesses that operate internationally must navigate varying regulations and restrictions in different countries.

  11. Product Quality and Safety: Ensuring the safety and quality of vaping products, including the absence of harmful contaminants, is crucial to maintaining consumer trust and avoiding legal issues.

  12. Counterfeit Products: The vaping industry has faced challenges related to counterfeit and unregulated products, which can lead to consumer safety concerns and reputational damage.

  13. Fluctuating Demand: Consumer demand for vaping products can be influenced by regulatory changes, public health concerns, and market trends, leading to unpredictable revenue streams.

  14. Online Sales and Shipping: Businesses that sell vaping products online must navigate shipping regulations, age verification, and compliance with local laws.

  15. Youth Access Prevention: Strict measures are required to prevent underage access to vaping products, including age verification and compliance with marketing and sales restrictions.


Due to these factors, e-cigarette and vape businesses must invest in compliance, quality control, and responsible marketing practices to navigate the challenges associated with being considered high-risk merchants.

How can Visioneer Payments help?

Since 1988 we’ve been helping merchants of all types to accept credit card payments. We have developed relationships with multiple banks and payment processors and can match our clients’ requirements with the appropriate financial institution. Approvals are quick and our no-risk agreement is month-to-month with no upfront fees and can be cancelled at any time with no cancellation fees.

Get Started

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