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However, types of fees are noted below: Chargeback Fee Discount Rate Merchant Account Fee Merchant Account Registration Fee Monthly Statement Fee Refund Fee Transaction Fee Approval timetable for e-cigarette merchant accounts The time it takes for e-cigarette merchant account approvals is contingent upon the type of solution we offer: Domestic e-cigarette merchant account: 3-10 business days Offshore e-cigarette merchant account with payment processing history: 5 business days to 2 weeks Offshore startup adult merchant accounts: 5 business days to 2 weeks Adult virtual check solution: 2-3 business days Must-reads for e-cigarette merchants FDA Regulations on E-Cigarettes Effective Aug