An E-Cigarette merchant account from a bank that knows your category

Roots Payments places e-cigarette and disposable vape brands with acquiring banks and processors that knowingly underwrite ENDS devices, so the account is built to last instead of flagged after the first review. We work with virtually any legal business, subject to underwriting; pricing, limits, and terms depend on the acquirer's review. Reserves may apply, and any reserve is disclosed in your agreement before you sign.
Talk to a vape shop payments specialistAll e-cigarette & disposable brands solutions
Free 30-minute consultation. Review your setup, compare options and leave with clear next steps.

Payment solutions for e-cigarette & disposable brands

How each solution supports e-cigarette & disposable brands

See what each option adds to the way your business takes and tracks payments.

High-Risk Merchant Account

For e-cigarette & disposable brands: Present your model for vape products, tobacco and age-restricted orders to specialist processing partners, with product and fulfillment documentation prepared. Roots Payments places e-cigarette and disposable vape brands with acquiring banks and processors that knowingly underwrite ENDS devices, so the account is built to last instead of flagged after the first review. We work with virtually any legal business, subject to underwriting; pricing, limits, and terms depend on the acquirer's review. Reserves may apply, and any reserve is disclosed in your agreement before you sign.
  • Pre-underwriting review of your website, checkout, and documents (PMTA status, import records, distributor agreements)
  • Application packaged and submitted only to acquirers with appetite for your category
  • Plain-English walkthrough of pricing, reserve, and termination terms before you sign

E-commerce Payments

For e-cigarette & disposable brands: Add online checkout for vape products, tobacco and age-restricted orders, with order references carried through payment and fulfillment. Roots connects your store to a gateway and acquirer that approve your category, with fraud screening and 3-D Secure configured for card-not-present risk.
  • Check that your cart platform's own acceptable-use policy allows your products
  • Gateway setup, fraud-rule tuning, and test transactions before launch
  • Checkout disclosure review (refunds, shipping, age or eligibility limits)
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ACH Payments

For e-cigarette & disposable brands: Offer bank-account payments for vape products, tobacco and age-restricted orders, with authorization and invoice matching built into the workflow. Bank payments give e-cigarette and disposable vape brands a lower-cost option for larger tickets and a backup if card processing is reviewed. ACH has its own risk rules, including return-rate limits under Nacha, so it is underwritten separately.
  • ACH underwriting alongside your card account
  • Authorization language and receipt templates
  • Integration into invoices, checkout, or your CRM
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Transfer initiated

$88.00 · ref ACH-7731

Level 2/3 Processing

For e-cigarette & disposable brands: Include purchase-order references and itemized invoice data for business-card purchases of vape products, tobacco and age-restricted orders. When retailers pay e-cigarette and disposable vape brands with corporate or purchasing cards, passing Level 2 and Level 3 line-item data can qualify eligible transactions for lower interchange. Roots sets it up on an account approved for your category.
  • Data mapping from your ERP or invoicing
  • Interchange review after launch
  • Ongoing support
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Chargeback Management

For e-cigarette & disposable brands: Organize evidence for disputed vape products, tobacco and age-restricted orders, including customer authorizations, delivery details and service records. Roots coordinates chargeback-management services to help your business handle disputes and organize responses.
  • Discuss your business goals on a free consultation
  • Coordinate your provider introduction and setup
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Age & ID Verification

For e-cigarette & disposable brands: Add age and identity checks to restricted vape products, tobacco and age-restricted orders, with verification recorded in the ordering process. Acquirers approving e-cigarette and disposable vape brands expect real age verification, not a click-through age gate. Roots integrates third-party identity and age checks into checkout and delivery. The PACT Act covers remote sales of cigarettes, smokeless tobacco, and e-cigarettes (ENDS), including registration, age verification at delivery, and state tax reporting.
  • Vendor selection and integration
  • Checkout flow review
  • Record-keeping setup for underwriting
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High-Risk Merchant Account questions

Questions vape shop merchants ask about approval.
We review the business model, products, website and processing history, then initiate the application with a suitable processing partner.
Bring ownership details, licenses, recent processing statements and clear fulfillment and refund policies. We organize the application around your specific business.
Bring your products, licenses, processing statements and fulfillment policies. Roots uses these details to plan the workflow for e-cigarette & disposable brands and prepare a clear setup scope.
Request a quote for your business and the setup you need. We review the scope and costs with you before you proceed. Consultations and payment reviews are free.

Ready to talk it through?

Book a free 30-minute review. We’ll map your setup, explain the options and work through clear next steps.
Talk to a vape shop payments specialistAll e-cigarette & disposable brands solutions