Tobacco Merchant Account

Best Solutions For Smoked Tobacco & Nicotine Business. Price and service with the most understanding for you.








Different Currencies


Acquiring Solutions


Transparent Fees (IC++ Model)


Local Payment Methods

Pricing / Fees

Fees will be affected by various factors like processing history, method of sales, countries, sales volume and products. Hence, fees for every merchant will be unique. However, terms will remain same for most. Below is a list of fees involved.

Merchant Discount Rate

From 3.50%

Transaction Fee

From 0.15 EUR

Monthly Gateway Fee

From 99 EUR

Chargeback Fee

70 EUR

Refund Fee

From 0.25 EUR

Rolling Reserve



Fasto is your best choice to help your tobacco business.

Fasto provides the best support and always ready to help.

We understand your needs and business like no other and we will work above and beyond for you, and to get you the best terms. And we have the solutions you need.


Fasto offers payment processing in Europe, therefore the merchant has to have a European company plus fulfill requirements for documents and website compliance for the application process.

Your merchant account will be categorized as 5993 MCC, which will help the payment processor(s) identify the transactions and implement the laws.



We have a restriction policy to comply with local and EU laws in smoked tobacco and nicotine.

We cannot accept  merchants located in France and in Spain, since both domestic and cross-border online sales of tobacco products are highly restricted. Sale of Cuban cigars to USA is prohibited.

Throughout the entire contract duration, you have to keep track on the EU consumer law and serve customers country-wise correspondingly. And 3D secure is required for all transactions.

Fast & Simple

24/7 Support

Secure & Safe

Our Services

One-stop-shop for your tobacco business. Bespoke solutions for comfortable payment acceptance.

Payment Management

We take care of your payment processing while you focus on business growth. Stay connected and safe.

Personal Dashboard

One place to monitor and analyze your daily transactions - helping you to keep track of your business everyday.

Local Payment Methods

Accept cardless payment using multiple channels and currencies - delivering choices to your customers.

Business Tracking

Monthly reports to keep track of your business - keep check on business fall outs and growth.

Credit & Debit Card

Wide rage of cards acceptance covering all the popular card schemes worldwide, so you can sell without a worry.

Payment Gateway

One secure platform for all your payment services. And let us worry about integration and payment page.

Chargeback Prevention

Taking care of chargeback alerts, disputes and fraud - more revenue and less headache for you.

Crypto Payment Gateway

Accept cryptocurrecy payments from your customers - another solution to benefit your business.

Shopping Cart

Covering range of shopping carts from Shopify to Limelight - helping your business to attract more customers.

Tobacco Merchant Acquiring

One of the first things needed for you as a merchant is to obtain a tobacco merchant account, in order to invoice your customers and accept payments. This merchant account, widely known as Merchant ID, can be obtained locally or from foreign payments acquirer.

Different things like pricing and terms varies depending on whether your business is a start-up or comes with payment processing history. When it comes to your business being a start-up, a risk mitigating rolling reserve of usually 10% will apply and comes with inconvenient payment terms. But we try to stay competitive and help you get started at the cheapest costs and easiest terms possible.

If you are selling smoked tobacco and nicotine, there are quite a few rules and restrictions as mentioned above in the “Restrictions” section. 

Tobacco Merchant Solutions

Credit card solutions is the first preference for online sellers of tobacco in order to serve a broad range of market. Popular demand is for VISA and MasterCard, while more can be arranged for depending on the market.

Rising demands for Local and Alternative Payment Methods with growth expectancy of more than 1000%+ over the next five years. Depending on the markets, some of the noteworthy ones are SoFort, Crypto, Klarna, SEPA, iDeal, Bancontact and more.

More solutions at checkout means higher conversion rate, and happy customers tend to always return to the store of their convenience.

Tobacco Merchant Risks

Tobacco industry is flagged as high-risk by payment processors due to heavy regulations subject to frequent changes, locally and abroad. Besides, this industry has reputation risk and health risks to consumers, alongside inadvertently selling products to minors, triggering liabilities.

Additionally, increased chargeback risks for late delivery, etc. and fraud risks associated with online selling brings this industry to a high-risk profile. However, we have solutions in place to help battle some of the risks such as chargback alerts and fraud prevention tool.

Lastly but most importantly

Our one-click checkout will improve user experience and conversion rate for your business, as customers will not require to add information multiple times.

You can read more about it here.

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