USA Payment, LLC
USA Payment, LLC

Cigar Company Credit Card Processor

Tobacco Friendly
Merchant Accounts

The federal law allows the sale of cigars and cigarettes online, but the transaction processing systems are not streamlined with the processes for online cigar sellers. Out of all the countless players in the tobacco business, people who suffer the most are those who do their business using Cards Not Present (CNP) transactions.

In this type of transaction, the cardholder cannot physically present the card to verify it for a transaction. The people who hold these kinds of cards have to go through a complex process, where they are charged higher fees as compared to normal card holders. Increased application fees become a hindrance in their potential business.

Banks easily accept CNP applications, but they are reluctant to process their transactions because of different interstate laws. Every state has its own laws and regulations as far as the sale of tobacco is concerned. There are various risks involved when it comes to online transactions. Identity theft is one of the examples of risk involved in the tobacco business. That is why merchants and banks prefer direct sales. This is the reason why transaction fees of online sale of cigarettes are incredibly high. The whole transaction is dealt from a separate account which is known as a high-risk merchant account.

We are here to help you out!

In order to make everything hassle free, our company is here to provide you with outstanding services focused on helping you open a dedicated merchant account. The dedicated account helps improve sales. It is one of the core values of our company to provide a customer with friendly services 24x7. Our company provides the best customer care services possible. Hiring our company's service for online buying and selling of cigarettes will mitigate all extra costs you will have to pay.

The tobacco business is highly unpredictable, especially when it comes to starting up your own business. The application rates are different for a startup and a company which has a well-established tobacco business – there's a basic difference as rates vary by startup vs history. However, you can rely on our company if you are thinking to start your own tobacco business. Rates can vary from business to business, but some of our policies remain same for all the businesses i.e. our company will not charge a setup fees and we will provide customers with 24x7 support that is bound to make your business transactions flow as smoothly as possible. As far as the transactions are concerned, our company will handle them carefully and accurately so that there is nothing for you to worry about.

What are the other benefits that we offer?

The majority of the companies that provide solutions for billing transactions are reluctant to be associated with companies that indulge in tobacco-related businesses and transactions. The main reason for this is that different states have different laws regarding tobacco use and age limits etc. One alternate our company can provide is to monitor your website that handles all the transactions to be processed through CNP and MO/TO. If you get in touch with the banks, they are sure to accept your application, but they will reject the transactions right away. Eventually, you are bound to be dropped without a valid reason, and this is where things are going to go wrong for your business. On top of it all, there is also the chance that your account will be flagged for huge amounts of transactions as a high-risk one, which will only make things more complicated.

When doing business, the interest rate depends on what type of products you are selling. According to the products, it is analyzed whether you will need a domestic or an offshore solution. Our company is an expert at providing both domestic and offshore transaction solutions. We encourage startup businesses and do not hinder them from reaching the heights of success. If anything, our sole focus is to ensure your satisfaction and for that, we are willing to go to any limits!

We have got you covered

Our company's primary aim is to build customer loyalty and to lengthen the customer's stay with our firm. We try the best to deliver superior services, compared to all competitors in the region. A few of the ways we have got you covered are stated below:

  • The state-of-the-art technique that our company uses to mitigate costs is that we use virtual terminals. Even if you don't opt to use the virtual servers, there will be no hindrances since we have physical terminals for ease of use as well.

  • Our company has a cross-platform app, which is available on all mobile devices. The purpose of this app is to help you communicate with your clients, which will strengthen the relationship of your company with your clients.

  • Our virtual terminals are user-friendly, robust and secure. They can be used on both Android and iOS devices to make transactions if a technical failure occurs in our physical terminals.

  • The company offers a variety of reporting and searching tools for clients, which helps them analyze financial markets and generate reports accordingly.

  • As per the company’s policy, we do not charge the customer for software support, update and maintenance.

  • If a refund situation occurs, the chargeback management team will be more than obliged to help you.

  • Our company has a call center support which provides constant help 24x7.

If you are eager for an effective and efficient transaction processing service, we are the perfect fit for your business, whether it's a startup or a well-established firm. We will be obliged to provide you our services and will go the extra mile to ensure your satisfaction. You will no longer need to rely on card processing services that take a lot of time. We will help you achieve your business goals one milestone at a time.





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  • Services

    • ACH Processing

    • E-Commerce

    • Prepaid Products

    • Alternative and SMS Billing

    • EBT

    • Quickbooks Plug-in

    • ATM Placement

    • Gift / Loyalty Cards

    • Recurring Billing


    • High Risk Merchant Accounts

    • Rent Payment Processing

    • Cash Advance

    • International Offshore Accounts