Online sales for a regulated category, done legally.
Online vape, e-cigarette, and tobacco sales — with state-by-state compliance, shipping restrictions, and age verification built in.
Online tobacco and vape is a compliance minefield
Online sales of tobacco, vape, and e-cigarette products face state-specific shipping restrictions, the PACT Act, age-verification requirements, and carrier policies that change frequently. Generic processors either refuse the category entirely or approve it and then drop the account the moment a regulator asks a question. We place online tobacco and vape accounts with partner banks that support the category legally, pair them with age-verification integrations, and build compliance into the payment stack — not bolt it on after the first violation.
The right program for this category
Interchange-Plus with high-risk underwriting
Our first-choice program for this category.
Cash Discount where compliant and available
Honest pass-through alternative — no surprise markups.
Online tobacco and vape sales face state-by-state compliance, age-verification requirements, and carrier restrictions. We place the account with a partner bank that supports the category, price it transparently, and keep the compliance side clean.
Category-specific safeguards
- Correct high-risk MCC placement for online tobacco and vape
- Age-verification integration at checkout
- PACT Act compliance support
- Partner bank selected for category compatibility
Common questions
Can you ship to every state?
No — and no legitimate processor can help you work around that. State and carrier restrictions on tobacco and vape shipping are strict. We set up shipping and ship-to-state controls at checkout so you stay compliant.
How does age verification work?
We integrate with third-party age-verification services that check the customer against public records at checkout, before the order is submitted. Failed verifications block the sale.
What about in-person vape and cigar shops?
Those are covered on our low-risk Vape & Cigar Shops page — brick-and-mortar is a different risk profile from online.
Ready for a real quote?
Send your last statement. A specialist returns the math and the program that fits your business — usually the same day.