Light up with our Tobacco Merchant Account Solutions

How to open an online Tobacco Merchant Account

Are you looking for a high-risk merchant account for your tobacco products? Let High-Risk Payment Pro’s help you today!

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*Rates are quoted as % above card brands interchange costs, dues, fees, and assessments.

Looking for Tobacco Merchant Account Solutions?

Tobacco is a multi-billion dollar industry, however, it is also an incredibly ridiculed and sensitive topic. Many people are against the tobacco industry because of the health risks involved. Health professionals and the government have come together in the efforts of tobacco prevention, however not much has been able to be done. There are no laws against selling tobacco and tobacco merchandise. High-Risk Payment Pros empathizes with the challenges e-commerce tobacco merchants deal with when starting a business, on a regular basis.

Regardless of risk levels, High-Risk Payment Pros accepts online tobacco merchant accounts to eligible merchants. We also customized payment processing solutions for a variety of different high-risk companies. Online businesses must have the ability to accept and process credit card payments. Businesses can’t process transactions without an online tobacco merchant account. So in order to make money, a tobacco merchant account is a largely important piece to the puzzle!

Did Your Credit Card Processor Shut Down Your Tobacco Merchant Account?

Do you have a negative account balance or late payments and unpaid bills? High chargeback ratio?

Then you are categorized as a high-risk merchant account and need payment processing solutions that are customized for your tobacco business. Usually, if you have outstanding debt or too many chargebacks your tobacco merchant account will be immediately shut down, leaving you in distress. Once your tobacco merchant account is shut down your income comes to a halt as well. Be proactive, address any problems so that you do not have to deal with a frustrated payment processor who eventually will shut down your merchant account. Underwriters assess merchants’ potential financial risks to processors and their sponsor bank relationships. To prevent chargebacks, if a client is unhappy, respond within 24 hours, and resolve their problem. A tobacco merchant account could also be shut down if there is illegal activity going on.

For example, underwriters will check the site to ensure prominently-displayed privacy and refund policies. It is very disheartening when your tobacco merchant account is shut down, a lot of this has to do with choosing the right payment processor provider! At High-Risk Payment Pros we work with you to support your business and prevent chargebacks so that your merchant account is up and running smoothly.

Why Does this Matter and How Can High-Risk Payment Pros Help with my Tobacco Merchant Account?

Why does it matter if your tobacco merchant account is shut down? Well, your payment processor is the funnel for your income. It is the only way you can process transactions and payments. It is not easy to run a business selling tobacco online unless you have a reliable tobacco credit card processor. High-Risk Payment Pros can help reach your long term goals and support the longevity of your tobacco business. Our merchants accepting credit or debit cards will grow your revenue faster than any cash business. Our online services will allow your tobacco business to thrive in the future as e-commerce and online payments. We accommodate what your clientele needs are and go above and beyond to satisfy. High-Risk Payment Pros has strong banking acquired relationships and understands the unique needs of the tobacco industry. Being a leader in the tobacco credit card processing industry has been our goal and we have the experience that your tobacco business needs. It is very vulnerable trusting the right merchant account provider and we want to put your mind at ease knowing your business is in good hands. Our underwriters work with you to help get you approved and accepting payments right away.


  • Fill out an online application
  • Submit the proper documentation
  • Let our expert underwriting team go to work for you to get you approved
  • Start accepting payments and making money

Looking for a Tobacco merchant account?

Why Payment Pros?

High-Risk Payment Pro’s is well versed with the unique needs of the different tobacco-related businesses and has established acquiring banking relationships. We are experts in getting tobacco merchant accounts set up and accepting online payments in no time.


Our Services

Tobacco Merchant Account Experts

  • Fast Account Approval
  • Large Merchants Welcome
  • 10+ Banking Relationships
  • Retail & E-Commerce Adult Accounts
  • B2B Adult Accounts Welcome
  • In House Under Writing

Multiple Payment Solutions

  • Credit Cards
  • ACH
  • E-Checks
  • Custom Gateway
  • Mobile Payments
  • EMV Readers
  • B2B-Level 2/3 Data Discounts
  • Chargeback Management
  • SSL Secure Checkout

Top Customer Service

  • POS/Terminals Available
  • Developer API/Docs
  • Dedicated Account Managers
  • Custom Gateway Tools
  • Vault
  • Custom Checkout Plugins