Forward Thinking Risk Credit Card Processing Services
At Allied Payments, our focus has been on becoming the leading provider of high-risk payment processing services for e-commerce merchants. Our goal of offering low-cost merchant account services with the most advanced payment gateway software has fueled our success. Working with most industries from adult to nutraceuticals, Allied Payments can help most merchants accept payments. We offer high risk merchant services for a number of different industries unable to work with general merchant services.
We have continually grown by building and maintaining solid relationships with all of our partners. With new banking and financial partners, we are able to grow our network of acceptable merchants and offer existing merchants other choices. Our high risk payment gateway was designed for all types of high risk businesses operating online today. Working with companies that are processing thousands of transactions a day to startups, we can handle your high risk transactions without concerns.
Contact one of our payment professionals to learn more about the high-risk merchants we work with or the other services we offer clients.
What separates Allied Payments?
What separates Allied Payments?We provide each of our merchants the same attention, service, and support to help manage and grow their businesses regardless of their size. Through our large online portfolio of merchants, we have successfully been able to offer our same low-cost pricing models to most businesses. Helping high risk merchants save thousands of dollars a year in fees and other costs.Our combination of service along with our low-cost transparent pricing is the driving force behind our continued success in the high risk payment processing industry. The team of payment processing professionals at Allied Payments works hand in hand with each of our client accounts. This level of service guarantees if any of our merchants run into a problem, we will work with them through it. Our team will not stop until they are ensured the problem has been resolved to the client’s standards.
Merchants that are currently experiencing problems can possibly find help by contacting our team. We will explain what we can offer your high risk business.
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Our mission at Allied Payments is:
“To follow our principles of honesty, integrity, and provide outstanding merchant services. Working directly with each of our merchants, we can ensure that our customers receive exceptional credit card processing services. We focus our business on our merchant’s business. We listen to what our merchants need and want, and then find the solutions necessary for their success. This has been our recipe for having so many successful businesses using Allied Payments.”
Start saving money today!
Startup businesses, as well as existing businesses, can start saving money with an Allied Payments merchant account. Contact one of our high risk payment processing professionals with any questions or for more information about getting started. We are here to help.
Frequently Asked Questions (FAQ)
What is a tobacco merchant account?
A tobacco merchant account is a type of high-risk payment processing account specifically designed for businesses that sell tobacco products, including cigars, cigarettes, e-cigarettes, vapes, and related accessories. These accounts allow tobacco merchants to accept credit card and debit card payments online or in-store.
Why is selling tobacco considered high-risk by payment processors?
Tobacco sales are considered high-risk due to strict industry regulations, age restrictions, and high chargeback rates. Additionally, the nature of tobacco products and compliance complexities with federal and state laws increase the risk profile for banks and processors.
Can I get approved for a tobacco merchant account if I sell vape or e-cigarette products?
Yes. Allied Payments works with processors that specialize in high-risk industries like vape, e-cigarette, and other tobacco-related products. We help ensure your business meets underwriting guidelines to improve your chances of approval.
What do I need to apply for a tobacco merchant account?
To apply for a tobacco merchant account, you typically need:
- A valid government-issued ID
- A business license or incorporation documents
- A voided business check or bank letter
- A functional and compliant website (for online sales)
- A history of processing statements (if applicable)
Our team will guide you through each step of the application process.
How long does it take to get a tobacco merchant account approved?
Approval times vary, but most accounts are approved within 24 to 72 hours after submitting all required documentation. Delays can occur if compliance issues need to be addressed.
Are there any restrictions on what types of tobacco products I can sell?
Yes, some processors have limitations depending on the types of tobacco products or how they’re marketed. Selling to minors, violating labeling laws, or selling banned substances can lead to account termination. Allied Payments ensures your offerings comply with processing rules and regulations.
Can I process payments online for tobacco products?
Absolutely. Allied Payments helps tobacco merchants set up secure online payment gateways to process credit card transactions through their eCommerce sites while maintaining PCI compliance and age verification protocols.
What are the fees for a high-risk tobacco merchant account?
Fees for high-risk accounts are typically higher than standard merchant accounts and may include:
- Discount rates (usually 4–6% depending on risk level)
- Monthly account fees
- Chargeback or fraud monitoring fees
We offer transparent pricing and will provide a custom quote based on your business model.
What happens if I get too many chargebacks?
High chargeback ratios can jeopardize your account and lead to account holds or termination. Allied Payments helps tobacco merchants manage chargeback ratios through fraud prevention tools and chargeback dispute support.
Why choose Allied Payments for your tobacco merchant account services?
Allied Payments has deep experience in the high-risk payment space. We offer:
- Fast and reliable approvals
- Customized solutions for tobacco merchants
- Integration with major shopping carts and payment gateways
- Ongoing compliance support
Our goal is to help your tobacco business grow with secure, scalable, and compliant payment processing.
