Most processors won't touch tobacco and smoke shops — or they charge you premium rates to compensate. We specialize in tobacco retail merchant accounts. We get you approved, eliminate your fees, and stay with you for the long term.
High-Risk Approved. Zero Processing Fees.
Where other processors say no, we say yes — at rates that make sense for your business.
High-risk specialists · No pressure
Tobacco and vape retail is classified as high-risk by most payment networks. That creates real problems — and we solve all of them.
Square, PayPal, and most national processors won't approve tobacco retail accounts — or they shut you down without warning. We specialize in high-risk approval.
When you do find a processor that approves tobacco accounts, they charge you 3–5% because they know your options are limited. We eliminate fees entirely with our cash discount program.
Many tobacco shops have had accounts closed without notice. Our high-risk merchant accounts are stable, compliant, and designed for the long term.
We combine a stable, compliant high-risk merchant account with our cash discount program — so you stop paying processing fees while operating on a platform built for tobacco retail.
Get Approved Today →Stable, compliant accounts built for tobacco, vape, and smoke shop retail. Approved where others decline. No surprise terminations.
Our cash discount program offsets your fees via a 3.99% service fee on card transactions. Your monthly processing cost: $100 or less, guaranteed.
Pre-programmed and delivered at no cost. Supports all card types including Amex and contactless/NFC payments.
Full compliance with card network requirements. Chip, swipe, and tap accepted. Your business is protected from chargebacks and fraud.
Funds deposit to your bank account as fast as the next business day — no multi-day holds common with high-risk accounts elsewhere.
We understand tobacco retail. Our NC-based team is available 24/7 — not an overseas call center reading from a script.
Getting a merchant account for our tobacco shop was nearly impossible. Square shut us down after three months. Total Payment Solutions got us approved and the cash discount setup was painless. We went from paying $400/month in fees to under $100. Highly recommend.
We'll contact you within 1 business day to discuss your account, your current processing costs, and your options.
