E Cig Merchant Accounts

Are you struggling with merchant account issues like freezes, holds, or shutdowns? Get the fastest, safest way to process e-cig payments with Creditly.

Accept E Cig Payments TODAY!

E-Cig Merchants Trust Creditly With Their Merchant Accounts & Processing

E-Cig products are considered high risk in every scenario. A typical processor and merchant account won’t cut it and is guaranteed to eventually be frozen, shut down, or worse.

Upgrade to Creditly so you can worry less and focus more on what matters, your business.

If your merchant account was shut down today and you could no longer accept credit cards, how long could you keep the doors open?

Everyday basic payment facilitators and companies like Stripe, PayPal, Square, Shopify, etc. Shut down thousands of accounts.

It’s not a matter of IF you’ll get shut down, but WHEN…

If your provider held your money for 90+ days, would you survive?

Could you make payroll if they placed a 10% hold on your account?

It’s time to upgrade to Creditly.

Creditly helped us get access to a payment processor when others could not. They were super helpful and got us up and running faster than expected. Highly recommended!

Joseph Dubois


We needed access to multiple processors, and Creditly delivered. It's good to know we have a partner that will stand behind us as we grow and expand our locations.

Jody Martinez

SAS & Travel

Our high risk business needed help after Stipe held up payments. Creditly got us approved. I'll never go back to using Stripe or PayPal.

Neil Oliver

Ecommerce Health

Creditly Offers The Following Features...

E-cig merchant accounts are designed to accommodate the sale of electronic cigarettes. These accounts are categorized as high risk because of gray areas in regulatory legislation, which varies from state to state.

Many processors will require an annual registration fee for e-cig merchant accounts. Flavored e-cigs may not be permitted and certain protocols are required to help minimize the risk of underaged individuals acquiring e-cigs.

Similarly, if a business also sells vapes and accessories those items should be clearly included in the account review during the approval process since there are usually slightly different rules for this category of products.

An e-cig merchant account should only be used for the sale of items approved during the review process. Violations can result in the closure of the account and may even cause the business to be placed on the industry backlist, known as the MATCH list.

As with other highly regulated industries, one of the most helpful factors in getting approved for an e-cig merchant account is transparency during the account review (known as underwriting) and compliance with the processor’s requirements for approval.

Creditly has assisted thousands of high-risk merchants to navigate this sometimes intimidating process. From finding the best processor for your e-cig merchant account to choosing the right supporting documents for your application, we’re here to help make things easier.

Fill out the Easy Merchant Application (EMAP) today to get set up with your e-cig merchant account!





A merchant account is a specific type of bank account that allows merchants to accept payments. Typically, a merchant account is used for credit card processing and eCheck processing but can be used for a variety of payment processing needs. To get a merchant account, one must submit an application with a merchant account provider.

These merchant account providers work with acquiring banks, such as Chase and Wells Fargo, to provide merchant accounts to businesses looking to process credit card payments.

There are multiple types of merchant accounts depending on how the bank categorizes the industry of the merchant. If the merchant account is used for card not present (CNP) or ecommerce transactions then it must be integrated with an online payment gateway. Otherwise, a physical terminal is required to capture payment information.

Why E-Cig Merchant Account with Creditly?

We pride ourselves on making your life easier and facilitating the growth of business across the globe. We have been doing this successfully for years and have helped countless businesses achieve their full potential, just check out some of our testimonials. More importantly, Creditly would love to play it’s part in helping you achieve your goals and service your consumers smoothly. if you’re interested in working with us, you can start your EMAP  application below or call us at: (877) 307-7711 | Get Set-up with a Merchant Account »

E Cig merchant Accounts FAQ

An e-cigarette or e-cig merchant account is a type of merchant account that allows businesses that sell electronic cigarettes, or vaping products to accept credit card payments.

E-cigarette or e-cig businesses need a merchant account to accept credit card payments from customers as a form of payment for their products. Having the ability to accept credit card payments can make the sales process more efficient and increase the likelihood of customers making purchases.

Obtaining a merchant account for an e-cigarette or e-cig business can be more difficult compared to a regular merchant account as the industry is considered high-risk due to the potential for chargebacks and disputes. However, as long as the e-cigarette or e-cig business has a well-established business and can demonstrate a good credit history, it is possible to get approved for a merchant account.

There may be additional fees associated with an e-cigarette or e-cig merchant account, such as higher processing fees or a higher monthly account fee, to cover the additional risk associated with the industry.

Yes, an e-cigarette or e-cig business can use a regular merchant account for credit card processing. However, many traditional merchant account providers may be hesitant to work with e-cigarette or e-cig businesses, so it may be better to find a specialized provider that offers merchant services specifically for the industry.


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FAQ Merchant Account Questions/Answers

If you want to know more about payments, pricing, or solutions to problems you are experiencing, we are always ready to help you.

Creditly specializes in high risk payment processing but we also work with mid risk and low risk companies.

Here is a short list of some business verticals we service:

  • Antiques & Collectibles
  • Apparel & Clothing
  • Bad Credit
  • Bus Lines
  • Cannabis Support Businesses
  • Caterers
  • CBD Oil & CBD Products
  • Continuity Products and Subscription Boxes
  • Credit Repair
  • Credit Monitoring
  • Debt Collection
  • Digital Streaming
  • Document Preparation
  • Fantasy Sports
  • Firearms & Ammunition
  • Furniture & Home Furnishings
  • Health & Beauty
  • Hotels & Lodging
  • Insurance / Warranty
  • Legal Services
  • Magazine Subscriptions
  • Medical Billing & Coding
  • Medical Supplies
  • Membership & Recurring Billing
  • MLM Companies
  • Transportation & Moving
  • Non-Profit
  • Nutraceuticals
  • Pawnbrokers & Pawn Shops
  • Pet Products
  • Precious Metals
  • Property Management
  • SaaS Companies
  • Seminars & Coaching
  • SEO / SEM / Ad Agency
  • Smoking Accessories
  • Sports Betting
  • Survivalist & Tactical Gear
  • Telemedicine
  • Tobacco & Cigar
  • Travel & Timeshare
  • Vape / e-Cig / eJuice
  • Veterinarians
  • Web Design & Development

“High Risk” is a banking industry term. It’s important to note that there are many business models that are seemingly low risk, but fall into the high risk category.

There is nothing wrong with being considered high risk and there are many factors that contribute to risk.

When a consumer buys an item with a credit card, they are given 6 months from the date of receiving the item to dispute the charge.

If your business is no longer operating, who do you think has to refund that money? The processor. This is where risk is created.

Certain businesses, marketing models, and industries have a higher rate of chargebacks, where they get labeled as high risk.

Even if your business is perfect, has never had a chargeback, and operates 100% “by the books”, you could be labeled high risk if you’re business or industry falls into a high risk category.

There are 3 main reasons a business can be considered high risk.

  1. The business has a greater chance of chargebacks occurring
  2. The business model may be new or legally regulated
  3. The business accepts a high number of card not present transactions (over the phone, email, eCommerce)

At this time Creditly offers merchant account services for the USA and Canada. We are always working to expand our areas of processing and hope to serve a greater area in the near future.

We have worked with many new brands and start-ups to get them approved and running. However, banks like to see a long history of transactions and an established history with a merchant before approving them.

But, that does not mean we can’t get you approved. Reach out to us today and we will walk you through your options.

Once all of the necessary documents have been received, it typically takes 1-4 days to get approved.

Occasionally accounts can be approved in less than 24 hours, our team will work as quickly as possible to get your account up and running.

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