High-Risk Merchant Accounts for Vape & E-Cigarette Businesses

Running a vape or e-cigarette business in today’s market isn’t just about stocking quality products and building a loyal customer base — it also means navigating a complicated financial and regulatory landscape. One of the most persistent hurdles? Securing a reliable payment processing solution.

Most banks and traditional payment processors consider vape-related businesses high-risk. This classification makes it harder — and sometimes nearly impossible — for entrepreneurs in this space to open a merchant account and accept credit card payments. From strict age verification laws to volatile chargeback rates, the hurdles are significant.

But here’s the good news:

At 100Services, we specialize in helping vape and e-cigarette businesses access custom-tailored, high-risk merchant accounts — and we do it completely free of charge.

🚫 Why Are Vape & E-Cigarette Businesses Classified as High-Risk?

If you've already tried applying for a merchant account, you may have experienced rejection, unreasonable fees, or delayed approvals. That’s because the vape industry, despite being legal and thriving, carries several risk factors that worry traditional processors.

Here are the key reasons why vape and e-cigarette businesses fall into the high-risk category:

✅ 1. Stringent Regulations Across Jurisdictions

Laws regulating the sale and marketing of vape products vary significantly by region. What’s legal in one state might be restricted or banned in another. This patchwork of legislation increases compliance burdens and scares away processors unwilling to deal with the complexity.

✅ 2. High Chargeback Potential

Because vaping products are often sold online, disputes over delivery times, defective items, or buyer’s remorse can lead to a higher-than-average chargeback rate. Chargebacks represent a financial liability for payment processors, which is why they hesitate to approve vape merchants.

✅ 3. Strict Age Verification Requirements

Selling nicotine-based products comes with legal responsibilities, especially regarding age restrictions. Failure to verify a customer’s age properly can result in fines, lawsuits, and processor penalties — a risk many financial institutions prefer to avoid.

✅ 4. Card Brand Policies and Restrictions

Visa, Mastercard, and other card brands occasionally implement their own rules for vape sales, which may include specific KYC/AML checks, limitations on advertising, or restrictions on how products can be billed. This uncertainty adds another layer of risk in the eyes of traditional processors.

If you attempt to open a merchant account without understanding these factors, you could face outright denial, frozen funds, or punitive processing fees — all of which can severely limit your business growth.

💼 Our Specialized Vape Merchant Account Matching Service

At 100Services, we eliminate the stress, confusion, and guesswork by connecting you with processors that actually want to work with vape and e-cigarette businesses. Our proven, streamlined process takes the burden off your shoulders, saving you time and frustration.

Here’s how our system works step by step:

✅ 1. Tell Us About Your Business

We begin with a brief, no-pressure intake form. You’ll share important information about your business, including your product types, monthly sales volume, e-commerce platform, previous processing history, and goals.

✅ 2. We Assess Your Needs and Risk Profile

Our experts evaluate your unique needs, business model, and documentation to identify which processors are most likely to approve you quickly, without imposing harsh terms.

✅ 3. We Introduce You to the Right Provider

Once we’ve matched you with the best-fitting payment processor, we facilitate the introduction and help ensure they understand your business fully from day one.

✅ 4. You Get Approved Faster and Easier

Because we do the legwork, your application moves more quickly through underwriting. You’ll avoid unnecessary delays, paperwork confusion, and costly missteps.

🆓 100% Free Service — No Fees, No Hidden Costs, No Catch

You might be wondering: “What’s the catch?”

There isn’t one. Our matching service is completely free to you.

We don’t charge upfront fees, consulting retainers, or monthly commissions. Instead, we receive a modest referral commission from the processor only after your account is approved and active. This performance-based model means we’re fully invested in getting you the best result.

You have nothing to lose — and everything to gain.

🎁 What You Get With Our Vape Payment Processing Service

By working with 100Services, you unlock access to:

🔹 High Approval Rates

We partner exclusively with processors that specialize in high-risk industries like vaping, CBD, and hemp. This dramatically increases your odds of approval, even if you've been denied elsewhere.

🔹 Competitive, Transparent Rates

We help you avoid inflated transaction fees and negotiate rates that make sense for your business size and volume, often far better than standard high-risk offers.

🔹 Age Verification Tools

We connect you with providers offering seamless age-gate verification systems that comply with local and federal regulations, helping you stay legal and protected.

🔹 Chargeback Protection and Fraud Tools

Access advanced chargeback alert systems, dispute mediation services, and fraud prevention tools that safeguard your business from unnecessary losses.

🔹 Recurring Billing Support

If you operate a vape subscription model (monthly boxes, refill programs), we’ll ensure your processor supports automated billing with retry logic, billing schedules, and secure vaulting.

🔹 Fast and Reliable Settlements

Tired of waiting 7–14 days to get paid? We match you with processors that offer prompt funding, often with next-day or 48-hour deposit cycles.

🔹 Personalized Account Management

No more support tickets and chatbot loops. You’ll have a dedicated human account manager who understands the vape space and is available to support you every step of the way.

⚠️ What Happens If You Use the Wrong Processor?

Choosing the wrong processor for your vape business can have serious consequences:

❌ Account Denials

Many traditional banks and processors don’t allow vape sales, and will reject your application without further explanation.

❌ Frozen or Terminated Accounts

Even if you are initially approved, one flagged transaction or policy update can result in a frozen account and inaccessible funds, halting your operations overnight.

❌ Unmanageable Reserves

Some providers impose rolling reserves of 10–25% on your sales, locking up thousands of dollars for months “just in case.”

❌ Excessive Fees

Without a tailored high-risk solution, you might end up paying 6–10% per transaction, which eats into your profit margins and damages cash flow.

Avoid these pitfalls by letting us match you with the right partner from the start.

💡 How Our Free Service Saves You Time and Money

Many vape entrepreneurs spend weeks — even months — submitting applications to random processors, only to be rejected, delayed, or overcharged.

With 100Services, you gain access to:

• Insider Knowledge — We know which providers work with vape merchants, and which don’t — saving you time and frustration.
• Document Prep Support — We help you gather and submit everything you need: articles of incorporation, business licenses, product images, website compliance, supplier invoices, and more.
• Underwriting Advocacy — We communicate directly with the processor on your behalf to ensure your business is presented in the best light.

🔐 Key Features of Our Vape-Friendly Merchant Accounts

Here’s what sets our partners apart:

🔹 Flexible Underwriting Policies

Our recommended processors understand the nuances of the vape industry and offer adaptable risk guidelines, including for startups or those with lower credit scores.

🔹 PCI DSS Compliance

All payment gateways provided are PCI Level 1 compliant, ensuring you meet the highest standards for secure data handling and customer protection.

🔹 Seamless E-commerce Integrations

Whether you use Shopify, WooCommerce, Magento, BigCommerce, or a custom platform, we help you integrate your payment gateway quickly and effectively.

🔹 Multi-Currency Support

Selling globally? Our partners can process payments in multiple currencies — including USD, EUR, GBP, CAD, and more — with automatic conversions and localized pricing.

🔹 Clear, Transparent Contracts

No confusing clauses, early termination penalties, or hidden fees. We only recommend ethical providers with clear, merchant-friendly agreements.

🌐 Industries We Serve Beyond Vape

In addition to vape and e-cigarette companies, we help high-risk merchants in:

• CBD & Hemp
• Adult Entertainment
• Gambling & Gaming
• Nutraceuticals & Supplements
• Debt Consolidation
• Firearms & Tactical Gear
• Online Coaching or Subscriptions

If you operate across multiple product lines — vape + CBD, for example — we’ll help you find a processor that supports your full catalog under a single account.

🤝 Why Trust 100Services?

We’re more than a referral service — we’re your partner in payment processing success.

✅ Proven Experience

We’ve helped hundreds of high-risk merchants secure reliable, long-term processing relationships — often after they were denied elsewhere.

✅ Industry Expertise

Our team stays informed about shifting vape regulations, card brand rules, and banking policies to keep your payments safe and compliant.

✅ Merchant-Centric Approach

We don’t get paid unless you get approved. That means we’re fully aligned with your success.

🚀 Ready to Get Started? It's Free and Takes Just Minutes

Don’t let payment processing barriers stall your vape business growth.

Take the first step by reaching out today — our team will:

• Evaluate your needs
• Match you with a vape-friendly processor
• Help you complete your application
• Guide you through integration and go-live

📞 Call us now for a no-obligation consultation

📧 Email: contact@100services.com

Let us help you accept credit card payments confidently — with a high-risk merchant account built for your vape business.