Northline for Vape & e-cigarettes

Vape processing is an age-gate problem. Solve it, get paid.

Since PACT Act enforcement, banks read vape files as a shipping-and-verification question: who checked the buyer's age, and who signed at the door. With a real age-verification vendor on checkout and adult-signature delivery, you're a placeable retailer — not a liability.

the gate does the work — verified buyers through, everyone else bounced

No surprises in underwriting

What the bank will actually ask.

Where you'll land

Retail smoke shops price ~2.8–3.4% card-present. Online vape runs ~3.5–4.5% and needs the full verification stack.

The extra documents

Age-verification vendor agreement (AgeChecker, Veratad, etc.), PACT-compliant shipping method, and state tax registrations where you sell.

Who bans it

Stripe and Square prohibit vape outright; mainstream shippers dropped it too. The processors left standing specialize — that's us.

Fifteen minutes

Talk to the underwriter who places vape.

A real answer on the call — can we place you, at roughly what rate
No SSN, no credit pull, no obligation
Then one 10-minute application, shaped to the right bank

Prefer to start with the form? Begin the application →