greenlit

High-risk merchant account

Vape & e-cigarette merchant accounts

One regulatory headline and your processor drops vape overnight. Even a fully age-gated, PACT-compliant e-cig store gets lumped in with tobacco and banned by every mainstream aggregator.

  • Vape and tobacco are prohibited by most low-risk processors.
  • Age-verification and PACT-Act rules require careful onboarding.
  • Shifting regulation makes bank relationships and backups essential.
✓ 24-hour approvals✓ Keep your bank✓ No shutdowns

Get approved for Vape & e-cig

Tell us about your business — pre-qualify in minutes.

Secure · No impact to your credit

50+ industries approved
24–72 hour approvals
No sudden shutdowns
Keep your gateway
Vape & e-cig

The problem

Why Vape & e-cig keeps getting shut off

Chasing a new processor every quarter kills growth. You need acquiring built for vape — with age-verification-friendly checkout, backup MIDs, and a bank that won’t panic the next time the category makes news.

Greenlit places you with a bank that approves Vape & e-cig on purpose — and keeps you there.

What you get

Built to keep you processing

24-hour approvals

Bank-driven underwriting, not instant-freeze aggregators.

Chargeback defense

Visa & Mastercard alerts with automated dispute responses.

Multi-MID balancing

Spread volume across banks so caps never freeze you.

Keep your gateway

NMI, Authorize.net and 200+ integrations supported.

24–72htypical approval time
2.5–6.5%typical processing rate
5–20%rolling reserve range
~1%dispute ratio threshold

Typical industry ranges. Your exact terms depend on the acquiring bank and your business profile.

Answers

Vape & e-cig payment questions

Can I process payments for vape products?+

Yes. We place vape and e-cig merchants with specialized acquirers and add age-verification-friendly gateway tools.

What if regulations change?+

We keep backup MIDs and multiple bank relationships so your processing keeps running if one acquirer shifts policy.