Get Approved for an E-Cigarette Merchant Account
We have multiple high-risk payment solutions for merchants that sell eCigs
- Highest Approval Rate
- Fast Approvals
- 24-48 Hour Payouts
- Lowest Rates
- 100% Digital Application

About PayDiverse
Our Team has 20+ Years of High-Risk Payment Processing Experience
We have the largest network of high risk banks in the industry, and growing! Paydiverse has thoroughly tested numerous processing banks to understand which are the perfect fit for every high-risk merchant account category. We have a diverse array of solutions per business type unlike anyone else in the industry.
- 24-48 Hour Payouts
- Lowest Rates, Multiple Bank Approvals
- Fast Approvals
- 100% Digital Application
Secure Payment Processing
In 3 Simple Steps
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Apply Now
Complete our quick and easy online application
Digitally sign applications using your mouse
Securely upload supporting documents
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Get Approved
Applications are sent to all banks that have pre-approved you
Banks will review and determine a processing limit
Daily updates sent with additional documents and final approvals
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Start Processing
Payment Gateways are activated
Integrate your Payment Gateway with the backend of your site
Start accepting payments from your customers immediately
E-Cigarette Merchant Accounts
ECigarettes, eCigs or vape are a relatively new industry, and as such, large banks and payment processors have deemed the industry high-risk. As it stands, the eCig industry isn’t large enough and there isn’t enough information easily available about how the industry operates. At PayDiverse we’ve put time into analyzing the eCig & vape industry and the ways that merchants of electronic cigarettes tend to conduct their businesses. We’ve formulated merchant accounts that are designed to fit the unique needs of an industry that is basically brand new and experiencing exponential growth year after year.
What is the Ecig Industry?
Ecigs, or electronic cigarettes, are smoking devices that provide users with an experience similar to smoking but without harmful ingredients and chemicals like nicotine, arsenic and formaldehyde. Instead of tobacco, e-cigarettes contain flavored fluids (usually called vape juice, e-juice or e-liquid) that are vaporized and inhaled by the user.
According to the CDC, over 9 million Americans were using e-cigarettes/vape regularly as of the end of 2015. This number continues to grow as the industry becomes more mainstream. This growth attracts newcomers to the industry every day. In fact, as of 2017, there were more than 12,000 retail stores in the United States selling e-cigarettes and/or e-juice.
Why is the Ecig Industry High-Risk?
Additionally, with so many new merchants coming out of the woodwork to get their hands on some of the revenue e-cigarettes are continuing to produce, a large part of the industry is made up of inexperienced business owners with little to no payment processing history. This alone may place a business in the high-risk category regardless of their industry.
What Risk is Involved for Banks and Payment Processors?
Merchant Accounts for E-Cigarette Merchants
Our high-risk merchant accounts feature competitive rates and industry-leading features including fraud protection, chargeback alerts and ACH/e-check processing.
Fraud Protection Tools
Chargeback Alerts
Banks only allow merchants to have a small number of chargebacks on their account. If this number becomes too high the bank may freeze or close the account, leaving the merchant unable to process credit and debit payments.
With PayDiverse chargeback alerts, merchants will be notified in real time whenever a chargeback is requested on their account. This allows them to begin the dispute process immediately and increases the chances that the chargeback will be rejected.
ACH/E-Check Processing
Multi-bank Processing
Opening an E-Cigarette Merchant Account with PayDiverse
Whether you’re a pioneer of the eCig industry or a brand new merchant looking to obtain merchant account services, PayDiverse may be able to help. We have a 98% acceptance rate and have helped many merchants in your industry and other high-risk industries process their credit and debit card payments for over 20 years.
Applying for your merchant account is simple. Just complete and digitally sign our secure online application and submit the requested supporting documents. Our underwriters will review your information and determine your account eligibility within 24 hours.
If we are able to approve you, you’ll be set up and ready to accept payments within 48 hours of approval. With your account, you’ll have access to all of the incredible features PayDiverse offers, including:
- Free set up of your payment portal
- Integrated fraud protection and alerts
- Multi-bank and offshore payment processing
- 24/7 merchant support
- Our secure merchant portal
- Chargeback prevention and alert systems
- ACH/e-check processing
Apply online today and you can be accepting credit card, debit card and ACH/e-check payments in just a few short days.
Diverse Payment Processing is Smart Processing
Fill out our free and quick merchant account application and let us match you with many banks that want your business.