Best Merchant Accounts for Online Tobacco Sales

Credit and Debit Card Processing for Online Tobacco Businesses

There is no federal law that prohibits the online sale of cigarettes, cigars, smokeless tobacco, or loose-leaf tobacco, but you wouldn’t know it from the way the credit card processing industry treats card-not-present tobacco sellers. Banks are generally hesitant to process payments for online tobacco stores due to the inconsistent way tobacco is regulated by different states. In addition, there’s always a greater degree of risk associated with online sales as opposed to in-person transactions. For these reasons, you may find it necessary to pay higher per-transaction fees and lower deposit limits through a dedicated high risk merchant account in order to sell tobacco through your online store. If you can find a quality credit card processor, however, the value of increased sales, streamlined operations, and reliable customer support will offset the higher rates you pay.

To help you find a top-rated credit card processor, we’ve put together the following list of the best merchant accounts for online tobacco sellers. The companies on this list offer online shopping cart integration, payment gateways, internet marketing tools, and other useful services for selling tobacco online. They are also known to provide low-commitment contracts with transparent pricing and quality customer service. To find the right provider for your online tobacco store, be sure to research each processor’s products and features and compare pricing and terms.

Top Picks for Merchant Services for Online Tobacco Sales

PaymentCloud

Based in Woodland Hills, California, PaymentCloud is a merchant account provider that specializes in serving high risk business types. The company’s products and services include point-of-sale solutions, mobile phone swipers, an online payment gateway and virtual terminal, EMV-compatible terminals, and merchant cash advances. PaymentCloud is a good option for online cigar, pipe, and tobacco sales.

PaymentCloud provides a dedicated account rep to all new merchants for the life of the account. The company has not received any negative complaints on consumer forums, and it customizes its pricing according to each merchant’s business type and processing history. The BBB does not maintain a profile for PaymentCloud at this time, but CPO gives the company an “A.”

For more information, visit the PaymentCloud website or call (888) 506-785

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PaymentCloud

Fast Approval of Most Industries

Competitive Rates

No Cancellation Fees

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eMerchantBroker

eMerchantBroker is a Los Angeles, California-based company that offers high risk e-commerce processing solutions including card-not-present tobacco merchant accounts. The company’s products include ACH processing, an online payment gateway, merchant cash advance, and a chargeback management system to help merchants dispute and resolve chargeback claims. eMerchantBroker.com can provide an offshore merchant account for online tobacco sellers as long as they are not selling illegal items.

eMerchantBroker.com offers custom pricing for each merchant and maintains a low complaint rate relative to its size and merchant portfolio. Our review of eMerchantBroker gives the company an “A” rating overall and the BBB assigns the company a rating of “A+.”

For more information, see the eMerchantBroker website or call (877) 301-3442.

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eMerchant Broker

Quick Approval For Most Businesses

Domestic and International Processing

Highly Rated Customer Support

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Host Merchant Services

Host Merchant Services is a Newark, Delaware-based merchant account provider that is able to provide merchant accounts for some online tobacco merchants. The company’s products and services include point-of-sale solutions, online marketing tools, an online payment gateway and virtual terminal, mobile credit card processing, gift and loyalty programs, merchant cash advance, and offshore merchant accounts. Host Merchant Services specializes in e-commerce businesses and provides a free website and email address to interested merchants. Host is a good fit for online tobacco vendors that have an established credit card processing history.

Host Merchant Services has received only positive feedback on public forums, with most reviewers singling out the company’s customer service for praise. Host offers custom pricing to all of its merchants, but most merchants will enjoy transparent pricing and the ability to cancel service without penalty. The Better Business Bureau gives Host an “A+” rating, and CPO also gives the company an “A+.”

For more information, visit the Host Merchant Services website or call (888) 727-4538.

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Host Merchant Services

Low Processing Rates

Month-to-Month Agreement

Approves Most Industries

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Additional Options

National Processing

National Processing is a well-established high risk payment processor headquartered in Lindon, Utah. The company has been serving  U.S. merchants with an emphasis on difficult-to-place and high risk merchant types since 2007. National Processing can supply processing for online tobacco stores and offers a wide range of services including an online payment gateway with QuickBooks integration, POS equipment, electronic check processing, and offshore banking partnerships. National Processing is a good fit for online cigar and tobacco sellers with limited payment processing history or the need for offshore merchant accounts.

National Processing has received overwhelmingly positive feedback with regard to its sales and support team and offers custom pricing depending on a merchant’s business type. Our review of National Processing gives the company an “A+,” and the Better Business Bureau awards National Processing an “A+” as well.

For more information, see the National Processing website or call (385) 777-1235

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National Processing

Best Option For Clover POS

Competitive Rates & Fees

Highly Rated Customer Service

Sales & Support:

CDG Commerce

Headquartered in Port Orange, Florida, CDG Commerce has consistently rated as one of the best merchant account providers on CPO since we first reviewed the company. CDG Commerce is capable of serving merchants of all sizes and types, including some online tobacco sellers. The company offers traditional retail credit card terminals, mobile phone credit card processing, an online payment gateway and virtual terminal, QuickBooks integration, third-party shopping cart integration, API integration for websites, and various point-of-sale solutions. CDG Commerce is a great option for tobacco shops with solid business credit that have been operating for a long time and would simply like to start selling online.

In addition to its wide array of services, CDG Commerce offers custom pricing to most of its high risk merchants. As a result, the company enjoys a large number of positive testimonials from its clients on this website and in other consumer protection forums. The Better Business Bureau currently assigns CDG Commerce an “A+” rating, and CPO also gives CDG Commerce an “A+.”

For more information, see the CDG Commerce website or call (888) 393-1079

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CDG Commerce

Low Rates & Fees

No Cancellation Fees

Compatible With Numerous Apps

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Customer & Employee Reviews

What Others Are Saying About

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Phillip Parker
Phillip Parker
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