cigar Payment Processing
Premium
Merchant Accounts for
Cigar Retailers & Lounges.
High-ticket fraud protection, stable dedicated MIDs, and wholesale IC++ pricing — because premium products deserve premium payment infrastructure.
Cigars Processing, Built Right
Where Others See Risk, We See a Business.
Where Stripe says "No," we say "Let's make it work." As a direct ISO/TSP, we don't just accept high-risk merchants — we specialize in them. We use our direct relationships with acquiring banks to fight for your approval, build your case, and get you processing.
Our ISO/TSP status means we sit at the table with the banks. We can vouch for your business model, explain your compliance posture, and advocate for fair terms. That's the difference between a generic aggregator and a specialized payment partner.
Our ISO/TSP status means we sit at the table with the banks. We can vouch for your business model, explain your compliance posture, and advocate for fair terms. That's the difference between a generic aggregator and a specialized payment partner.
The Cigar Payment Problem
Cigar retailers face a unique combination of challenges: high average order values that trigger fraud flags, tobacco product classification that limits processor options, and a customer base that expects a seamless luxury buying experience.
Enterprise-Grade Processing
Cost+ provides payment processing specifically calibrated for the premium tobacco space. Our fraud prevention tools are tuned for high-AOV transactions — protecting you from chargebacks without blocking legitimate customers. And because we hold direct ISO/TSP status, your merchant account is managed by people who understand your business model, not an algorithm that flags every $300+ order.
Global Payment Backbone
Whether you're running an online cigar shop, a brick-and-mortar lounge, or both — we provide stable, compliant processing at fair IC++ rates.
NO HIDDEN FEES
No "High-Risk Surcharges." Just Transparent Pricing.
Cigar merchants often pay 3-4% in processing fees because they're lumped into a generic "tobacco" risk category. But premium cigar retail has different risk characteristics than mass-market tobacco — higher AOV, lower volume, and a loyal customer base with minimal chargeback activity.
Interchange
Card Networks
Scheme Fees
Visa/MC/Amex
Your Total Cost
Nothing else
Our Margin
Percent, %
Network
Access Fee
Access Fee
Euro, €
REGULATORY READY
Compliance Excellence
Industry-specific regulatory expertise built into your processing infrastructure.
TRUSTED & VERIFIED
Your Dedicated
Merchant ID. No Pooling. No Surprises.
Premium cigar retailers
can't afford
the embarrassment
of a
declined transaction
on a
$500 humidor
purchase — or the
business
impact of a
frozen
merchant account
during holiday
season. Your
MID
is
dedicated,
stable, and managed
through our
direct acquiring
relationships.
We understand the
seasonal patterns,
high-ticket
transactions,
and the
loyal
repeat customers
that define
your business.
SEE YOUR RATES
Get Your
Specialized Quote
Just because you're "high-risk" doesn't mean you should pay high prices. Let us show you what transparent Cost+ pricing looks like for Cigars.
CIGAR PAYMENTS
Frequently Asked Questions
Risk classification, multi-channel support, fraud protection, and tobacco MCC compliance for cigar retailers.
Does Cost+ provide payment processing for cigar retailers?
Yes. Cost+ offers premium merchant accounts for cigar retailers and lounges with dedicated MIDs, high-ticket fraud protection, and IC++ pricing — without the generic 3–4% "tobacco" rates most processors charge.
Is cigar e-commerce considered high-risk?
Yes. Cigar sales are typically classified as high-risk by payment processors due to the tobacco MCC code, leading to rates of 3–4% above standard. Cost+ provides IC++ pricing that eliminates these hidden high-risk surcharges.
Does Cost+ support multi-channel cigar businesses?
Yes. Cost+ supports online e-commerce, brick-and-mortar retail, and lounge environments, allowing cigar businesses to use a single payment partner across all their sales channels.
Does Cost+ offer fraud protection for high-ticket cigar orders?
Yes. Cost+ provides high-AOV (Average Order Value) fraud protection specifically designed for premium products like cigars, where individual transactions can be significantly higher than typical e-commerce orders.
Does Cost+ handle tobacco MCC compliance for cigars?
Yes. Cost+ ensures proper tobacco MCC classification, age verification compliance, and card brand rules adherence for cigar merchants, reducing the risk of account issues due to miscategorization.
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