Terminated without an operational issue
Industry appetite may change even when the merchant maintains a healthy operating history. We place you with acquiring banks that actively desire smoke and vape volume.
Specialized high-risk processing
Card processing built forsmoke and vape retail.
Descriptors, age-gated commerce, delivery workflows, ecommerce, point of sale, and underwriting handled by people familiar with the category.
Vape & Smoke Dashboard
OnlineToday’s volume
$12,450.00
Approval rate
99.2%
Optimal standing
Risk status
Secure
Active descriptors
Why merchants switch
We solve the hard problems.
Standard processors often misclassify or drop smoke and vape merchants. We build infrastructure for stability.
Descriptor and chargeback problems
Unclear descriptors and mismatched transaction presentation may increase disputes. We ensure exact billing descriptors match your storefront to prevent customer confusion.
Reserves based on category instead of history
Reserve requirements depend on program, documentation, history, and underwriting — not just blanket category rules. We fight for standard funding timelines.
Seamless POS integration
Built for the counter you already run.
Hardware and software designed for inventory-heavy, age-gated retail, or keep the system you already know.
VoskiPOS
Our native solution optimized for high-risk retail.
KORONA POS & Dejavoo
Full integration with leading industry terminals.
Keep your POS
Gateway connections to existing compatible systems.
Clear approval architecture
A solid foundation, first.
We don’t use auto-approvals that get revoked later. We build a solid foundation first.
Step 01
Initial Review
We analyze volume, product mix, and existing processing history.
Step 02
Underwriting Placement
Matched with the specific acquiring bank whose appetite fits your exact business model.
Step 03
Deployment & Descriptor
Hardware shipped, gateway configured, and exact billing descriptors verified.
Rate review
Request a rate review.
Stop worrying about sudden account closures. Let our experts build a resilient payment infrastructure for your smoke or vape business.
Transparent Pricing
No hidden fees or surprise rate hikes.
Dedicated Support
Speak to real humans who know high-risk retail.
FAQ
Frequently asked questions.
01How long does approval take?
Standard review takes 3 to 5 business days after a complete application is submitted. Complex corporate structures or missing documentation will extend this timeline.
02What does underwriting require?
Expect to provide business formation documents, owner identification, recent bank and processing statements, and details on your product mix and sales channels. Age-verification practices and any applicable tobacco or vapor licenses are reviewed as well. We help you assemble a complete file before it is submitted.
03Will the account require a reserve?
It depends. Reserve requirements are set by program, documentation, and processing history — not just blanket category rules. A clean history and a complete file put you in the strongest position for standard funding terms.
04What happens to the billing descriptor?
We set a descriptor that clearly matches your storefront name and contact details so customers recognize the charge on their statement. Clear descriptors reduce confusion-driven disputes and chargebacks.
05Can an existing POS remain in place?
Yes, when it is compatible. We can connect processing through a gateway to many existing systems, so the counter keeps running the way your staff already knows. If a change makes sense, VoskiPOS, KORONA POS, and Dejavoo are available.
06What happens if a processing program exits the industry?
Because Voski works across more than one acquiring relationship, a program exit doesn’t have to mean starting from zero. We help evaluate alternatives and prepare a transition to an acquiring partner with appetite for smoke and vape volume.