Business
Credit Card Processing for Nicotine Pouches is on Tower Payments' Radar for 2026
Tower Payments today announced a focused payment gateway and merchant account service that helps nicotine pouch websites restore stable credit card processing after being declined by Stripe, Square, their bank, or PayPal. Looking toward next year, the service solves the immediate problem of sudden account closures and held deposits by providing an underwritten, nicotine–friendly payment solution with clear pricing and one–on–one support.
About this update from Visa Inc.
[{"type":"text","content":"AMESBURY, Mass., Jan. 6, 2026 /PRNewswire/ -- Tower Payments today announced a focused payment gateway and merchant account service that helps nicotine pouch websites restore stable credit card processing after being declined by Stripe, Square, their bank, or PayPal. Looking toward next year, the service solves the immediate problem of sudden account closures and held deposits by providing an underwritten, nicotine–friendly payment solution with clear pricing and one–on–one support.","length":492,"tagName":"p"},{"type":"text","content":"Many mainstream processors treat nicotine pouches as high-risk and block them under "acceptable use" rules. That often leaves websites with frozen deposits and interrupted cash flow. Tower Payments' new offering for Q4 2025 and beyond addresses those risks by using underwriting teams experienced with both synthetic and tobacco-derived nicotine and by guiding merchants through any required Visa and Mastercard registration (additional network verification for regulated products).","length":496,"tagName":"p"},{"type":"text","content":"Tower Payments opens accounts that integrate with major site builders while preserving existing checkouts and layouts. The gateway supports native and third-party connections for Shopify stores, WooCommerce sites (WordPress), ClickFunnels, and BigCommerce shops, and it also works with platforms such as Webflow and Wix through trusted third-party connectors. Each integration option is reviewed during prescreening, so nicotine websites get credit card processing that fits their site builder and workflow.","length":507,"tagName":"p"},{"type":"text","content":"The service includes fraud prevention tools, optional recurring billing, card-on-file storage for subscriptions, and PCI DSS security to reduce online nicotine businesses' compliance burdens. According to their website, Tower Payments also focuses on transparent, up-front rates with no hidden integration fees, so website owners know expected costs and can avoid surprise charges that harm margins.","length":403,"tagName":"p"},{"type":"text","content":""We kept hearing the same story: good merchants shut down overnight and left scrambling," said Nyah Penney, founder of Tower Payments. "Our approach is practical: we listen, prescreen your business, and choose the right nicotine-frie...