Get an E-Cig Merchant Account

Nov 07, 2017

Selling E-Cigs online is lucrative, but it’s a venture you can’t take on without an account. And not just any account, but an eCig merchant account. These are merchant accounts issued to businesses related to electronic cigarettes.

Due to the risky nature of the business, particularly the high level of chargebacks, you will require an e-cig merchant account as most traditional banks that issue low risk merchant accounts won’t support your business. And because you can’t just walk in to your local bank and get easily approved like any low risk business would, you have to consider applying for a merchant account with a high risk card processor.

However, e-cig merchant accounts normally have slightly higher costs compared to low risk merchant accounts. Also, depending on the status of your specific business, it may have a few additional restrictions like a monthly processing volume cap, funding delay or a rolling reserve. Most of these restrictions can be lifted off within the first three months if you prove that you can successfully process credit cards.

Application Requirements for E-Cig Merchant Account

You can begin applying for an e-cig merchant account today with any high risk account provider like EMB. Most providers have a simple online application process. To ensure a smooth process, be ready with the following items;

  • A valid ID, e.g. a driver’s license
  • Printed Voided Check or bank letter
  • Most recent bank statements ( for the last 3 months)
  • Processing statements (for the last months but only if applicable)
  • A Social Security Number (SSN) or Employer Identification Number(EIN)
  • Your Chargebacks must be below 2%

The process

First, confirm if the high risk credit card processor works with e-cig merchants. After that, submit an application along with all the above documents. The processor will then go through your application and other supporting credentials.

The underwriting team may also review your documents and ask a few questions. Finally, the processor will let you know whether you’ve been accepted (under specific terms and conditions) or if your application has been rejected. Assuming you’ve been approved, you’ll have your payment gateway setup or processing equipment shipped to you (if you wish to accept swipe payments). And just like that, you’re good to go.


Don’t waste your time seeking accounts from traditional banks as they have regulations that prohibit them from accepting eCig business. The best and only option you have is to apply with a high risk credit card processor.

Let us help you get a high risk merchant account today!

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Having a merchant account allows an account holder to take advantage of merchant cash advances. When a merchant is approved for an advance, the business agrees to receive a lump sum of cash in exchange for an agreed-upon percentage of future credit card sales.

Pricing varies depending on the merchant’s industry, past credit card processing history, the type of business seeking the account, average ticket sales, and average transaction volumes.

Yes, EMB works with merchants who are building their credit, as well as those who have poor credit. EMB also approves merchants that have no credit card processing history and businesses that have lost their merchant accounts due to high chargebacks.

Several factors influence a merchant’s risk level. Though only one factor likely will not get a merchant classified as high risk, a combination of these may: business size, location, and industry, credit score, credit card processing history, a industry’s reputation for excessive chargebacks, a prior history of high chargeback ratios, and whether a merchant exclusively sells online.

Virtual terminals are stationed on a merchant’s website, making it easy for customers to make a payment or purchase online. Merchants or a payment processor can easily set up virtual terminals, so online businesses can accept credit and debit card and e-check transactions.

A merchant account is a business account with an acquiring bank. Without this business account, which actually works more like a line of credit, a merchant cannot accept and process credit and debit card transactions. Businesses need a merchant account to accept major credit cards via a static point-of-sale terminal, mobile card reader, or through a virtual payment gateway.

After filling out EMB’s simple online application and submitting any necessary, requested documents, many merchants get approved within 24 and 48 hours.

EMB specializes in working with high-risk merchants. EMB works with many merchants, including but not limited to businesses in these industries: gambling and gaming, adult entertainment, nutraceuticals, vaping and e-cigarettes, electronics, tech support, travel, high-end furniture, weight loss programs, calling cards, e-books and software, and telecommunications.

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