E-liquid, devices, and nicotine products get flagged everywhere else. Structure approves vape merchants with age-verification baked in and gateways that won’t shut you off mid-season.
Vaping and nicotine businesses have needed dedicated card processing ever since the products themselves evolved faster than the payments industry around them. Mainstream gateways simply will not process these transactions, and many merchants have already had an account canceled without warning.
The vaping market is worth roughly $20 billion. Structure Payments underwrites it deliberately — with age verification, high-volume support and gateways that will not switch you off mid-season.
Devices, consumables and accessories — including the adjacent products other processors lump in as prohibited.
The category is regulated at federal and state level simultaneously, and the rules keep moving.
A processor that already understands FDA rules on nicotine and tobacco products will not panic when regulation shifts — and will not offboard you when it does.
Federal rules require 18+ verification, and states layer their own requirements on top. Verification belongs in the checkout, not bolted on afterwards.
Vape retail is high frequency and low ticket. The account has to absorb that volume, with same-day funding so cash flow keeps pace.
PCI compliance and encryption protecting customer card data, on gateways that stay up through seasonal peaks.
Tailored options for high-volume merchants and rapid approval, rather than a single fixed risk template.
As you add product lines and volume, the account scales with you instead of triggering a fresh risk review.
No drawn-out underwriting theatre. A real person, a real timeline, a real approval.
One short form and a quick document upload. Your dedicated rep reviews it the same day — no call-center runaround.
We match you to the right banking relationship and gateway for your industry, chargeback history and volume.
Credentials, gateway and cart integration go live. You're accepting cards — usually within about 48 hours of applying.
Yes. Vape and nicotine retailers can be approved through a high-risk processor that underwrites the category deliberately. Structure Payments approves e-liquid, device and nicotine merchants with age verification included, usually within about 48 hours.
Because of FDA regulation of nicotine and tobacco products, federal age-verification requirements for buyers 18 and over, and state-level rules that vary and change. That combination creates compliance obligations most mainstream processors will not take on.
Yes, provided your checkout enforces age verification and you comply with the federal and state rules that apply to your shipping destinations. A high-risk gateway built for this category handles that verification as part of the payment flow.
Yes. Alongside vape hardware and e-liquid we process for related products including lighters, torches, rolling paper, pipes, hookah, grinders and ashtrays.
We do everything possible to get you approved, and most merchants are processing within about 48 hours. No obligation to see your real rate.