Payment Processing for Electronic Cigarette sales

Oct 15, 2013

As a seller of e-cigarettes, you have many things to consider as you go into business. Cigarettes are a very popular product, and with e-cigarettes, you need to make sure you are selling to someone that is old enough to be buying them. As well as, the part about the FDA and their regulations, before you put all your money into this investment, consider your options.

As part of your policy

With your website, you will need to have an electronic cigarette merchant account to process the debit and credit card purchases. Your merchant account will help take in sales twenty-four hours a day, seven days a week. Your store will not close, even when you sleep.

Cash conversion

As part of the information you need for this account, you need to know if the merchant account will convert currency into your kind of cash and then deposit it into your account.

And then there’s

There is always that issue of the age of the purchaser. How in the world are you going to know whether they are 18 or not? There has to be a way to figure out how to verify their age. You could simply just ask them, and know that a lot of underage purchases would still occur. Do you really want that liability? Will your insurance carrier for your business cover that? How about if you use a simple verification and ask their age by way of their birthday? If it matches that of the birthday on their credit/debit card, likely they are of age. There is still room for error, but this should cut it down by a lot.

And the chargeback’s

Your customers have the right to a refund within a six-month period. You need to have a rule in place to cover your refunds. It will help prevent chargebacks and help you take care of your customers. The better customer service you have, the taller you are in the e-cigarette community. It’s your reputation, take good care of it.

So take the time

Figure out all your options and locate the merchant account that you are comfortable with and be happy with the customer service that they provide. With the extra research that you do, you will feel comfortable and be able to run your business without any reservations about their business practices. Best of luck with your new business.


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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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