PAYMENT GATEWAY LOGIN|SIGN UP
Menu
×IndustriesProducts & ServicesPayment GatewaySupportPartnersContact Us
Call
+1-800-419-1772
HIGH-RISK TOBACCO MERCHANT ACCOUNT

Get a Reliable Tobacco Merchant Account and Credit Card Processing

Whether you are selling online or in-store, SecureGlobalPay offers customized payment processing solutions for tobacco merchants. We guide you through the full approval and setup process, so you can start accepting payments quickly, securely, and compliantly.

How the process works

Traditional banks and payment aggregators often steer clear of tobacco businesses due to regulatory complexities and high-risk classification. SecureGlobalPay specializes in helping tobacco merchants get approved — and we’ll work to secure the most competitive rates possible.

1.
Complete an online application
Fill out a simple application form to helps us learn more about your tobacco business model and processing needs.
2.
Submit documentation
We’ll promptly review your application and request any additional paperwork required for underwriting (if needed).
3.
Get approved and set up
Once approved, we’ll help you integrate your payment gateway and configure equipment or online checkout as needed.
4.
Start taking payments
You’ll be ready to accept payments — online or in-store — with secure, compliant processing designed for the tobacco industry.

Everything you need to process payments
smoothly and securely

Our tobacco merchant processing services cover all of the tools and support you’ll need to operate seamlessly, reduce risk, and keep costs under control — even in a tightly regulated environment.

MERCHANT ACCOUNT

Get a secure tobacco merchant account with competitive rates and no hidden fees.

PAYMENT GATEWAY

Utilize our state-of-the-art payment gateway for online tobacco businesses, featuring hundreds of integrations.

POS hardware & software

Through our partnerships with Clover and Dejavoo, we can equip you with modern POS hardware and software — for free!

Zero-fee processing

Slash your credit card processing costs with our Cash Discount & Dual Pricing models.

Chargeback and fraud protection

Leverage AI-powered tools to prevent fraudulent transactions and reduce chargebacks.

Hands-on support & advice

We will proactively monitor your account and notify you about potential issues and cost saving opportunities.

Processing solutions for any type of tobacco business

From traditional tobacco retailers to online vape shops and wholesale distributors — we support a wide variety of business models. Don’t see your niche listed? Reach out to our team. If it is compliant, we can help.

  • Physical tobacco stores & smoke shops

    TOBACCO MERCHANT ACCOUNT & CREDIT CARD PROCESSING

  • Online vape stores

    TOBACCO MERCHANT ACCOUNT & CREDIT CARD PROCESSING

  • Cigar lounges

    TOBACCO MERCHANT ACCOUNT & CREDIT CARD PROCESSING

  • Hookah retailers

    TOBACCO MERCHANT ACCOUNT & CREDIT CARD PROCESSING

  • Wholesale tobacco & cigar distributors

    TOBACCO MERCHANT ACCOUNT & CREDIT CARD PROCESSING

  • Subscription-based tobacco products

    TOBACCO MERCHANT ACCOUNT & CREDIT CARD PROCESSING

  • CBD/tobacco hybrid stores

    TOBACCO MERCHANT ACCOUNT & CREDIT CARD PROCESSING

Get access to an incredibly powerful payment gateway

ONE GATEWAY, MULTIPLE ACCOUNTS

Manage multiple merchant accounts from a single gateway with advanced transaction routing and load balancing. Perfect for high-volume and high- ticket merchants.

SIMPLE AND FLEXIBLE REPORTING

Manage transactions and generate reports on all payment processing activity through an easy- to-use merchant portal.

FULLY SECURE PROCESSING

Our PCI-compliant gateway offers point-to-point encryption, 2FA, AI fraud detection, and advanced chargeback management tools.

Connect with 200+ different ecommerce platforms, shopping carts, and fraud and chargeback management tools

logo-1 logo-2 logo-3 logo-4 logo-5 logo-6 logo-7 logo-8 logo-9 logo-10 logo-11 logo-12 logo-13 logo-14
logo-1 logo-2 logo-3 logo-4 logo-5 logo-6 logo-7 logo-8 logo-9 logo-10 logo-11 logo-12 logo-13 logo-14

Get paid — anytime, anywhere, anyhow!

Collecting payments should be simple and convenient. Whichever way your clients want to pay — mobile, self-service, in-store, or online — we can set it up.

Why choose SecureGlobalPay as your tobacco merchant account provider

You need a reliable partner that understands the unique challenges of the tobacco industry — from account approval and compliance concerns to gateway limitations and cost-prohibitive payment options.

PROACTIVE MONITORING

Our high-risk team and AI tools will help you identify and stop unusual activity so you can minimize chargebacks and avoid account freezes.

25+ YEARS IN THE INDUSTRY

Over the years, we developed relationships with many different acquiring banks. Plus, we encountered – and helped solve – a wide variety of different processing issues.

WORLD-CLASS SUPPORT

Whether you are switching providers or starting fresh, every merchant gets a dedicated account manager that is available via phone or email.

FAIR PRICING

We will not tie you up in a long contract with a nasty closure payment. Fully transparent pricing with no hidden fees.

Here’s what our clients say

Real feedback from retail and high-risk merchants we help accept and process payments.

  • quote

    “These guys are great! I've been in the processing industry for 15 years, and I've never worked with a team more dedicated to setting their clients up for success. They do all the little things necessary to help their merchants, which many other processors let fall through the cracks.”

    J

    Josh Green

    Charge Options

  • quote

    “I've worked with Roland a number of times to provide payment processing services for my own companies, as well as many of my clients. He has always delivered great service at a great price, and I have never been disappointed. I would highly recommend working with SecureGlobalPay.”

    B

    Brian Nolan

    Sellbrite

  • quote

    “I have been working with Secure Global for the past six years. They saved me thousands of dollars in our processing fees! They are a pleasure to work with – extremely knowledgeable, courteous, and very helpful. They definitely go the extra mile for their customers!”

    L

    Lisa M.

    Trigger Agency, LLC

  • quote

    “Top notch broker. Worked my high risk application the fastest I've ever had one worked. Got a placement in just over a week. Smooth, professional operation.”

    C

    CR W.

    Firearms industry

  • quote

    “Our business grew 10X in a month and our merchant provider was holding back all of our funds. Roland and his team at SecureGlobalPay got us up and running again, saved us money, and began working with us to improve our invoicing and billing processes. If you have a fast-growing business or a high-risk account, this team stands head and shoulders above the rest (and I've worked with many others). A+++ rating.”

    G

    Greg B.

    The Neck Gator

  • quote

    “SecureGlobalPay processed my application in just a few days and put my company's credit card processing online; the service was extremely fast. I will recommend your company to anyone looking for payment processing services, keep up the good work.”

    R

    Rod Kershaw

    Las Vegas Vacation Home Solutions

Not Sure What You Need? Get a Free Consultation

FAQs about tobacco credit card processing

Are tobacco businesses considered high risk?

Yes. Due to regulatory scrutiny, age-verification requirements, and card network restrictions, tobacco merchants are labeled as high risk — which is why most banks and standard processors will not work with them.

Can I get approved if I sell vapes or e-cigarettes?

Absolutely. SecureGlobalPay works with both online and brick-and-mortar vape businesses, provided you meet regulatory and age-verification requirements.

Do you support online tobacco sales?

Yes — we provide secure, compliant solutions for online tobacco businesses, including integration with your e-commerce platform.

What documents are required to get approved for a tobacco merchant account? online tobacco sales?

We ask for a government-issued ID, business license, proof of a physical or online store, previous processing history (if any), and compliance documentation like age-verification procedures. For online sales, your website must meet basic content and compliance requirements.

How long does the approval process take?

Once you submit your documentation, most businesses are approved within 3 to 5 days. Could be a few days longer if some documentation is missing.

Which credit card brands can I accept?

With a high-risk merchant account, you can typically accept Visa, Mastercard, Discover, and American Express. However, card brand rules may limit specific products (like flavored vapes or international shipments), so it’s essential to stay compliant with processor guidelines.

Do I need a separate gateway for my tobacco website?

No. If you're using a platform like WooCommerce or Magento, you’ll typically need to integrate with a high-risk-friendly gateway — like the one SecureGlobalPay offers.

© Copyright 2013 - 2025 SecureGlobalPay, all rights reserved