Payment processing for smoke shops that stays on

Why smoke shops get dropped

Tobacco, vape and related products are treated as higher risk by many banks. Shops that sign up with a processor not set up for the category often get approved quickly, then see funds held or the account closed once the processor reviews what’s being sold.

The fix is being honest about your product mix upfront and placing the account where it belongs. Rates for higher-risk categories can be higher, but a stable account that stays open is worth more than a teaser rate that disappears.

Already processing?

If you’ve had holds, reserves or surprise fees, send us your statement. We’ll tell you what you’re paying and whether your current setup is a good fit for what you sell.

See our dual pricing program and POS options.

Check the account terms before comparing rates

Describe your actual product mix and sales channels when requesting a quote. Confirm eligibility, reserve terms, funding arrangements and any product restrictions in writing; a quoted rate alone does not answer those questions. Review our processing pricing overview and bring a statement using the fee-reading checklist.