Who do we have in canada thats a larger juice vendor? I ask because im looking to order and would like to pay by cc as my bank doesn't offer interac e-transfer. MapleleafVapes offers hyperwallet which I do have access to but their prices seem pretty expensive for what you're getting. Opinions?
Larger Juice Vendors
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Yeah it's not about the size of the vendor, it's the fact that CC companies do NOT want to deal with e-cig companies. Not only don't want to, they simply refuse to. My best suggestion to you is to move into 2012 
Get another bank account (PC has a free account unless you're in Quebec) that has e-transfer, either as your main bank or for e-cig only purchases. E-transfer is incredibly convenient and I was using it for years before e-cigs came along. I couldn't live without online banking
Another tip is to contact the vendor personally, don't just assume they won't work with you because they often will. Some will do PayPal for an extra $5 as long as you keep it under wraps. If for some reason that doesn't work out, you might as well just get another bank account
Get another bank account (PC has a free account unless you're in Quebec) that has e-transfer, either as your main bank or for e-cig only purchases. E-transfer is incredibly convenient and I was using it for years before e-cigs came along. I couldn't live without online banking Another tip is to contact the vendor personally, don't just assume they won't work with you because they often will. Some will do PayPal for an extra $5 as long as you keep it under wraps. If for some reason that doesn't work out, you might as well just get another bank account
But i like being with my credit union they dont charge me fees to do anything and I can use any credit union in BC to withdraw money without being charged, cant beat that. Having said that, I will likely open an account with scotiabank just to use the e-transfers. Scotiabank also owns all the movie theatres here so I'd get points with that as well...
they dont charge me fees to do anything and I can use any credit union in BC to withdraw money without being charged, cant beat that. Having said that, I will likely open an account with scotiabank just to use the e-transfers. Scotiabank also owns all the movie theatres here so I'd get points with that as well...
But i like being with my credit union
I work for a credit union (likely the one you belong to!) and haven't had any problems with Canadian vendors and making payments. Most will accept hyperwallet, or as Chelly mentioned PayPal (with an additional surcharge, under the stipulation that you not mention anything vape-related). Because these vendors are selling nicotine juice, no merchant services company will go near them. If you like, PM me and I'll tell you where to get some fantastic juices using paypal, in Canada.
But i like being with my credit union
PC Financial doesn't charge fees either, and actually has e-transfers unlike Credit Unions. You do have to pay $1.50 to send an e-transfer, but that is nothing. With Scotia or other banks you'll pay a bunch of fees and getting a free movie ticket every now and then isn't worth it.
With PCF you can also use any CIBC ABM for free as well, the only thing you can't use is the tellers. However even Grandma can learn to use bank machines instead of tellers
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Personally I love EMT, but not for buying online. In the past the odd time I've had problems buying online, my bank's response was: "Since you did authorize it, we can't do anything. We'll start an investigation and get back to you in 3 months" and Visa's was: "We'll credit that back to your account, it will show up within a few minutes and we will start an investigation, keeping you informed of the progress." I have not had any problems with Canadian e-cigarette related vendors, but still it's a personal preference for a reason.
I also think part of reason Canadian vendors don't accept credit cards is the start-up cost and/or 2-3% vendors lose accepting accepting them, instead passing off fees to customers. Yes that $1.50 is a pet peeve, because I make a lot of small orders currently to try out many vendors. I know there are ecommerce companies that will look the other way in Canada for the % they make to provide credit card services, even if in small print they run the slight risk of the company cancelling service at some point.
Gentlemensreserve will accept credit cards, but are on the pricey side as well and as said, many other vendors will make an exception if you contact them.
I also think part of reason Canadian vendors don't accept credit cards is the start-up cost and/or 2-3% vendors lose accepting accepting them, instead passing off fees to customers. Yes that $1.50 is a pet peeve, because I make a lot of small orders currently to try out many vendors. I know there are ecommerce companies that will look the other way in Canada for the % they make to provide credit card services, even if in small print they run the slight risk of the company cancelling service at some point.
Gentlemensreserve will accept credit cards, but are on the pricey side as well and as said, many other vendors will make an exception if you contact them.
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They have kiosks. Generally any loblaws owned stores have them. You can sign up online or go to one of the stores to sign up for the account.
Not sure where you are in Canada.
The CC companies simply won't accept them if they know that the company is e-cig anything. It sucks but dems da breaks
They are actually called pavilions Go to pcfinancial.ca and you'll see a link at the bottom where you can look up your nearest one. You don't have to go to a pavilion to open an account as you can do so online or over the phone but it's faster in person. As I said there's no tellers though, so if you go to a pavilion they can help you with pretty much anything but if you want to make a deposit or withdrawal they will direct you to the ABM, although there's one at every pavilion.
Go to pcfinancial.ca and you'll see a link at the bottom where you can look up your nearest one. You don't have to go to a pavilion to open an account as you can do so online or over the phone but it's faster in person. As I said there's no tellers though, so if you go to a pavilion they can help you with pretty much anything but if you want to make a deposit or withdrawal they will direct you to the ABM, although there's one at every pavilion.Well e-transfers are really the same as doing a debit purchase, you settle on the merchandise you will receive, you give them the payment, and you get the merchandise. The only difference online is that there is a lag. To be honest if someone screws you around here you're screwed, whereby if you've used a credit card you can ask for the money to be credited back, called a chargeback. Vendors don't generally commit fraud with major credit cards as they know the consequences, not only chargebacks but risking losing their ability to use them if too many of these go through unjustified.
On the other side of the coin, when you send an e-transfer you know exactly what the risk is, which is the amount of the transfer and no more. With credit cards, they have your card number and can do whatever they want with it essentially, so there's a level of trust here as well. So if you are dealing with a dishonest vendor, you've got potential problems as well, although the damage can be fixed more quickly.
If you are dealing with honest merchants then there's no problem here either way. So I think that this is what we need to focus on, we know that credit card processing is going to be a problem up here for the most part, and if you want the best selection and prices among Canadian vendors then you're going to need to look at e-transfers.
You could always order from the U.S. or China where you can use your credit card and get even better prices and selection generally, but you're going to have to wait longer for your stuff to arrive, and take a small risk that it may not go through Customs. From my experience and others, that's hardly even a consideration though, but it does happen rarely.
So like many things in life, it's a trade-off, I've used e-transfers several times with Canadian vendors who are known to the community to be reputable and have had no problems. If you are curious about a particular vendor then if you ask about them in this forum I'm sure that there are people who will be more than happy to give you their feedback.
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As a couple other have posted, setting up credit card transaction systems are extremely expensive. Visa charges 2%, MC charges 3%, Amex is 4-5%. Plus there's a yearly fee, as well as monthly rental of the terminal. People accepting credit cards online typically use a 3rd party service, which charges a flat 4-5% for both Visa and Master Card which covers their expenses as well as the fee charged by the card company. These fees are close to what vendors lose with Paypal, only paypal is MUCH easier to setup, and you don't have to worry about all of the security issues that arise from online CC transactions, and don't have to pay if you aren't getting any business.
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