Start Your Tobacco Merchant Service Account

Sell traditional tobacco products will put you in the high risk merchant account category. Mainly because of the laws and regulations that vary state to state. Unfortunately many business owners sign up with merchant service providers that terminate accounts without warning. Merchant Competitor is one of the leading tobacco payment processors for both online sales and retail “brick and mortar” shops. Merchant Competitor is a tobacco friendly merchant service provider and is bank direct, which means you won’t have independent agents adding bogus fees that eat away at your bottom dollar. It is important to select a merchant service provider that doesn’t leave you in the dark and continues to be up to date on the latest industry news to help protect your business.

A tobacco merchant account is a type of account that allows a business to accept credit card and other electronic payments for tobacco products. Tobacco products are products that are made from the tobacco plant, such as cigarettes, cigars, and chewing tobacco.

Tobacco merchant accounts are considered high risk for credit card processing, ACH (automated clearing house), and banking for several reasons. First, the sale of tobacco products is heavily regulated, and there are strict laws governing the advertising, sale, and distribution of tobacco products. This can make it difficult for tobacco companies to accept payments online, as payment processors and banks may be hesitant to work with them due to the potential for regulatory issues.

Second, the tobacco industry is often associated with negative health consequences and controversy, and there have been numerous lawsuits and regulatory actions related to tobacco products. This can make payment processors and banks hesitant to work with tobacco companies due to concerns about their reputation and potential liability.

Finally, the tobacco industry is subject to significant litigation, and tobacco companies may be at risk of legal action related to their business practices. This can also make payment processors and banks hesitant to work with tobacco companies, as they may be concerned about the potential for legal liability.

There are two main types of tobacco sales: retail sales and e-commerce sales. Retail sales involve the sale of tobacco products in physical stores, such as convenience stores or tobacco shops. E-commerce sales involve the sale of tobacco products online, through websites or online marketplaces.

It is generally legal to sell tobacco products both retail and online, although there may be restrictions on the types of products that can be sold and the way that they are marketed and sold. Some states and countries have laws that prohibit the sale of certain types of tobacco products, such as flavored cigarettes or e-cigarettes, or that restrict the sale of tobacco products to certain age groups


Ecommerce and Mobile Apps

Our ecommerce and mobile app solutions allow you to accept online payments from both credit and debit cards quickly and securely.
Learn More


Wireless Technology

Make sales and complete transactions from anywhere using our wireless POS solutions.
Learn More


Point Of Sale

We also cut costs if you're using an in-store POS terminal. Allow your customers a wide variety of payment options along with fast authorization for major credit cards.
Learn More


See where we can save you money on fees

How does our Cost Analysis work?

We will take your current merchant billing statement and decode it for you exposing your true effective rate.

  • We provide you with a side by side cost analysis showing you where we can save you money.
  • We expose miscellaneous fees that are added on by sales agents trying to increase their personal profits.
  • We expose hidden costs within your processing statement
  • No contracts. Quit anytime.
  • Our cost analysis is FREE
  • Click Here to get started!

Great support. We'll help you!

Our customer service won’t leave you in the dark. We will explain every step of the process to

We have the highest quality customer service in the industry. All of our team is located in one in office in Southern California

Account Management

We integrate with any terminal or ecommerce shopping cart.


Monitor all transactions through our secure and robust reporting system.

Customer Support

Our friendly customer support is available 24/7

Risk Management

Our risk assessment team will assist in fraud protection.


Frequently Asked Questions

Got questions? We have got the best answers for you.

How does the cost analysis work?

Once you securely send your current merchant processing statement we will have our team analyze it. We will send back a cost analysis report pointing out hidden fees, and where we can save you money.

Can I setup a new merchant account?

Absolutely! We can set you up with a new merchant account the same day. We offer are variety of POS, Ecommerce, and Mobile platforms that securely process credit cards.

Join Our Newsletter

Join thousands of satisfied companies saving money everyday!

    * We don’t share your personal info with anyone. Check out our Privacy Policy for more information.