Swipe Saver
Get my free analysis

Merchant accounts for vape and smoke shops.

Counter sales and online orders for an age-restricted industry, underwritten in-house and set up so the account stays open.

  • Age-restricted retail
  • Free countertop terminal
  • No contract

Where vape & smoke shops lose money on cards.

Processors that drop vape

Many mainstream processors restrict vape and tobacco products.

How we handle itWe underwrite smoke shops on purpose, so the account is built to last.

Online age checks

Selling online means age verification at checkout and shipping rules that change by state.

How we handle itWe review your checkout and policies the way an underwriter will, before you apply.

Cash and card at the same counter

Mixing cash and card customers makes pricing awkward.

How we handle itZero posts one card price and gives cash customers a discount, both shown before anyone pays.

Your setup.

The machines and features our specialists would put in place for you. Tap another business type to compare.

The line moves. Your fees don't.

Chip, tap and phone wallets on a terminal your cashiers learn in minutes. Love your POS? Keep it.

  • Works with most POS systems
  • Apple Pay and Google Pay
  • Refunds in two taps

Your setupCountertop terminal + Smart POS station

Approved. Next in line!

Pricing for vape & smoke shops.

Smoke shop customers are used to card prices and cash discounts. On Zero, your posted price covers the card cost and you pay only the membership.

Suggested plan

Zero

$25 a month and up, by volume

  • $0 in processing fees
  • Card price and cash price posted
  • Membership sized to your volume
  • Free terminal, no contract

What grade does your processor get?

Four quick questions you can answer from memory. You'll see a letter grade, what you're overpaying each month and your best plan. No statement, no account numbers.

What kind of business?
Card sales in a typical month
or exactly $
What you pay in processing fees each month (a ballpark is fine)
$
How customers pay
Anything sound familiar? (optional)

No statement, no account numbers. You see your grade before we ask for anything.

Questions we get from vape & smoke shops.

All questions

Are vape shops high risk?

Usually medium to high, depending on what you sell and whether you sell online. We underwrite both.

What do I need to apply?

Your tobacco retail license, business details, a voided check, and recent processing statements if you have them.

Can I use cash discount pricing?

In most states, yes, with clear signs and receipts. Connecticut treats a card price above the advertised price as a surcharge, so we check your state first.

What grade does your processor get?

Four quick questions you can answer from memory. You get a letter grade, what you're overpaying each month and a written quote if you want one. No statement needed.

Grade my rateFind my plan