Specialty eCommerce Merchant Accounts — Built for High-Risk Products
Vape • Botanicals • Lifestyle products
Apply NowThe Problem Specialty eCommerce Merchants Face
- Product restrictions that trigger automatic processor bans
- High-risk labeling that scares off mainstream banks
- Compliance issues that surface after approval — not before
- Processor bans with no warning and no path to reinstatement
- Chargeback risk from product disputes and shipping delays
You need a processor that reviews your products before submission — not after.
Our Solution
- Product compliance review before submission
- Fraud prevention tools
- Chargeback prevention and monitoring
- POS + eCommerce integrations
- Domestic and offshore acquiring options
Underwriting Requirements
- Full product list with descriptions
- Ingredient list where applicable
- Website compliance review
- Refund and return policy posted
We review your product catalog and site before submission to flag any issues upfront.
Approval Expectations
Approval Time24–72 hours
Rolling ReserveCase-by-case
VolumeFlexible
Supported ModelseCommerce, retail, wholesale
Compatible Systems
NMIAuthorize.netWooCommerceShopifyBigCommerceCloverPAX
How It Works
1
Apply in 2 Minutes
Short application, no upfront fees. Tell us about your specialty eCommerce store.
2
Underwriting Review
We review your product catalog and match you to a specialty-friendly acquiring bank.
3
Start Processing
Approved and integrated with your eCommerce platform — typically within days.