Why underwriters look closely at vape & paraphernalia
Age-restricted products
Federal law sets 21 as the minimum age for tobacco and vaping products, and online sellers have to verify it.
PACT Act and shipping
Remote vape sales require registration, tax reporting and adult-signature delivery, and USPS won’t carry them to consumers.
Product authorization
E-cigarettes need FDA marketing authorization, and unauthorized disposables face enforcement.
A payment setup that fits
How we usually set up online vape and smoke shops. Your consultant tailors it to how you actually sell.
- 1
Age checks at checkout and delivery
Third-party age verification, plus an adult signature on delivery.
- 2
State and local restrictions
Flavor and product bans enforced at checkout.
- 3
A separate account for your shop
If you also have a store, in-person sales usually sit on their own account.
What you’ll need to apply
Have these ready and your application moves faster. Your consultant confirms the exact list for the processor you’re matched with.
- Government ID for every owner with 25% or more
- Voided business check or bank letter
- Recent business bank statements
- Recent processing statements, if you have taken cards before
- Articles of incorporation and EIN letter
- A website with clear pricing, refund, cancellation and contact details
- Tobacco or vape licenses and PACT Act registration
- Age verification provider
- Product list
- Shipping carrier and adult-signature process
Why applications get declined, and how to avoid it
- Selling disposables without FDA authorization
- No age verification
- Shipping to places with flavor bans
We review your website, policies and statements against these before anything is submitted.
Keeping the account healthy after approval
Getting approved is half the job. These habits keep your account in good standing, and our platform tracks the numbers behind them for you.
- Check your product list against FDA enforcement priorities
- Store age checks with each order
- Keep restricted-location lists current
Vape & paraphernalia: common questions
Is glassware treated like vapes?
Pipes and accessories sold for tobacco use are usually reviewed as retail with age checks. Marketing them for other uses raises red flags.
Can we ship vapes nationwide?
Only where legal, with PACT Act compliance and a carrier that handles adult-signature delivery.
What about our physical shop?
In-store, age-checked sales are lower risk, and we can set those up on a separate account.
What happens after I’m approved?
We keep working with you. Our platform gives you one view of every account, and we review your chargebacks, approval rate, fraud tools and fees with you so the account stays healthy and gets cheaper over time.