Vape and e-liquid merchant accounts UK

Card networks classify nicotine and tobacco-adjacent products as high-risk. Mainstream UK acquirers decline.

Legal status (UK)

Legal in UK with TPD compliance. Disposable vape regulations changed materially in 2025-2026; check current legal position.

Acquirers accepting

  • Trust Payments
  • Universe Payments
  • Acquired.com
  • Other specialist vape-friendly acquirers

Typical pricing

Rate
2.5% to 4.0% blended
Settlement reserve
5% to 8% rolling reserve common

Watch outs

  • TPD compliance and age-verification at point of sale required.
  • Disposable vape rules shifting; confirm current category.
  • Some acquirers exclude flavoured products even within the broader vape category.

Last reviewed: 2026-04-26.