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Cigar Businesses Deserve Better Payment Processing

Writer: Thomas Troyer
Thomas Troyer
Sep 7
1 min read

Cigar bars, lounges, and online cigar stores are often automatically labeled “high risk” simply because they sell tobacco products. That label can bring higher rates, restrictive reserves, delayed funding, and unstable merchant accounts.


At 2nd Amendment Processing, we believe legitimate cigar businesses should be evaluated based on how they actually operate—not judged solely by their industry.


We work with cigar businesses to pursue the most competitive processing program for which they qualify. That includes reliable point-of-sale systems for lounges and bars, secure e-commerce gateways for online stores, fraud protection, dependable funding, and transparent pricing.


We also help merchants prepare a strong underwriting package with proper licensing, age-verification procedures, website policies, financial documentation, and processing history. Although approval and classification remain subject to underwriting, we do not automatically force every cigar merchant into an overpriced high-risk program.


This industry is personal to us. After a long day of battling card brands and banks to secure our clients the best customer service, competitive rates, and safe, reliable transactions, the boys here at 2ndAP enjoy sitting down together with a fine cigar.

We understand the culture, appreciate the tradition, and respect the hardworking business owners who keep it alive.


If you own a cigar bar, lounge, smoke shop, or online cigar store, let 2nd Amendment Processing review your current statement and determine whether a better processing solution is available.

2nd Amendment Processing

Veteran-Owned. Industry-Committed. Constitutionally Driven.


Thomas Troyer

CEO | 2nd Amendment Processing

517.755.6696

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2nd Amendment Processing is a registered DBA of EPX, a registered ISO of BMO Harris Bank N.A., Chicago, IL, Fresno First Bank, Fresno, CA, and Citizens Bank N.A., Providence, RI.

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