Good News It can be difficult or impossible to find a bank that is willing to deal with your industry. Even though you sell a completely legal product banks and providers are leary of providing businesses like your with processing services. Various laws and regulations continue to make it more difficult and restrictive on companies like yours. Unfortunately, the costs and fees charged to merchants that deal in tobacco, cigars, smoking accessory head shops, medical marijuana clubs and liquor/alcohol shops can be monstrous. By the time you pay for these fees, licenses, zoning laws, insurance and all of the other costs associated with selling tobacco related products, there can be very little profit left for you and your small business. Therefore, it is important to find a credit card processor that will charge you the best rates for accepting Visa, MasterCard, Amex and Discover from your customers.