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Urgent Message: State of Oklahoma Bank Cards Being Declined for Vape Shops

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aikanae1

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From what I'm reading, so far it is isolated to a single processing company. Since ecigs have not been deemed a tobacco product legally yet, I don't see how this 'bank processor' can continue to block charges.

It's happened with other legit (but politicaly incorrect) industries. This wouldn't be new at all. CC compainies are private enterprises and they don't have to serve everyone as long as it's not based on race, age, etc. which it's not. Happens to any company challenging the status quo. It's easier to legislate the market than compete in it.
 

TCO76

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This is a wakeup call. If you haven't been it is time to stock up. I have been at it for the last year. Since I am saving money on cigarettes by about 240 a month I figured I could get extra and still save. I wish I could say the tptb have your best interests at heart but I really think they have their best interests and their lobbyists at heart. This is a financial problem for a gov that sets up children's health programs from the cigarette tax money, they could care less about the horrible stinky smokers.

Could stock up or just quit everything altogether and deal with the withdrawals and be done with it alltogether and then get on with life....going back to smoking is def not gonna happen. So if that is the ultimate goal from whoever orchestrates these fiascos, I think quitting everything is the loudest voice you have...

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Jenn Perry

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FOLKS.....take a breath....Some shops to save some cash don't pay higher fees for more "security' when you use a CC SO...if they go with a lower fee then some cards especially with Credit Unions won't allow the charge to go through so it looks to the bank/cc as a bad charge. There is NO legislation. I hate it when people freak out oveer NOTHING
 

zero7starz

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Whoa whoa wait guys I have an idea.

If you look up Hookah, which uses Shisha, (Defined by Wikipedia: "a syrupy tobacco mix containing molasses and vegetable glycerol which is smoked in a hookah." en.m.wikipedia.org/wiki/Mu%E2%80%98assel ), obviously another tobacco product, and sold everywhere online, also seems to be exempt.

I have spoken casually with a couple hookah bar businesses who claim to somehow get around all of this by having it classified as cultural. Oddly though, no smoking is ever allowed in them. So, I'm sure other reasons exist as well.

My point being, now there are two different "tobacco" based products that are exempt for one reason, or another.

This needs to be another one.


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JacobDaniel

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It's happened with other legit (but politicaly incorrect) industries. This wouldn't be new at all. CC compainies are private enterprises and they don't have to serve everyone as long as it's not based on race, age, etc. which it's not. Happens to any company challenging the status quo. It's easier to legislate the market than compete in it.

If this is the case, one could publish to their site, (this site is christian based, or whatever religion) and would give reason to be based on the above. I have had some websites that were in the "gray area" of the law, I proudly put the american flag and a link that 10% of all profit went to war vets.

This is because I wanted to and could, but also an example.

My current business has nothing like this as my views have changed, even in an about page can hold information about age, race, religious views. I don't think this is what this is about, but, can't hurt.
 

salemgold

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Hey everyone reading, horrible news this afternoon in regards to the vaping community as a whole. I was not able to make a purchase with a local shop online with my Visa check card so I called the bank to find out what was going on as I have sufficient funds in my account. After some digging, the teller on the phone let me know at least three other customers of Bank of Oklahoma reported similar issues and they were only dinging an error with vape shops, at least in Oklahoma. They checked with another bank officer and they've received an email from their corporate office stating that new legislation has been passed as of 1/1/2014 that prohibits the online sale of anything vaping related and that cards attempting to buy things from those sites will receive an error message and funds will not be transferred. When I asked whether this was in regards to Oklahoma or national, they couldn't say but they've only seen it within our state since they are only based in our state however it would effect every Oklahoman's credit card no matter who the issuing company is. This is terrible and we need to get this around so we can find out what the heck is happening. Thank you.

FOLKS.....take a breath....Some shops to save some cash don't pay higher fees for more "security' when you use a CC SO...if they go with a lower fee then some cards especially with Credit Unions won't allow the charge to go through so it looks to the bank/cc as a bad charge. There is NO legislation. I hate it when people freak out oveer NOTHING

I don't think would be legal and the first time I have heard of a bank blocking a transaction. There is too much money to made by banks

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Did you read the first post? This is also not the only post on this forum on this subject.

"They checked with another bank officer and they've received an email from their corporate office stating that new legislation has been passed as of 1/1/2014 that prohibits the online sale of anything vaping related and that cards attempting to buy things from those sites will receive an error message and funds will not be transferred."
 

Don Robertson

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If I place an order for 12 Kanger T3S Clearos ...... 12 packs of coils ....... 12 batteries ...... and 24 empty bottles and NO E-Liquid - how in the world can the CC companies or processing centers claim a right to deny my purchase?

It's not drug paraphernalia ...... it's not nicotine. Nothing illegal defined by any law and especially not some phantom law that some say went into effect on January 1, 2014. There is no such law and no legislation pending. It's simply bunk to say "it's the law"!

Tomorrow this will be so blown up folks will be buying where they can and hoarding just like AMMUNITION was and is hoarded today. If I can buy it and someone in a state that refuses to allow purchases needs supplies - I WILL BUY FOR THEM and ship it to them post haste! I'll not be breaking any law because there IS NO SUCH LAW!

The last amendment to the PACT ACT was as far as I see back on June 29, 2010 and said: "amended provisions of the Jenkins Act (15 U.S.C. §§ 375 - 378) regarding the shipment and packaging of tobacco; compliance with state tax and licensing requirements relating to tobacco; and the filing of certain reports to state tax administrators."

In addition: "For purposes of the Jenkins Act, the definition of cigarette now includes roll-your-own tobacco. Interstate commerce is defined as commerce between a state and any place outside the state; commerce between a state and any Indian country in the state; or commerce between points in the same state but through any place outside the state or through any Indian country. A sale, shipment or transfer of cigarettes or smokeless tobacco made in interstate commerce is considered to have been made into the state, place or locality in which the cigarettes or smokeless tobacco were delivered."

Cigarette
(A)In general - The term cigarette—

(i)has the meaning given that term in section 2341 of title 18, United States Code; and
(ii)includes roll-your-own tobacco (as defined in section 5702 of the Internal Revenue Code of 1986).
(B)Exception
The term cigarette does not include a cigar (as defined in section 5702 of the Internal Revenue Code of 1986).

Section 2341 of Title 18, United States Code does not mention ANYTHING regarding any form of e-cigarettes.

None of this changes what APPEARS TO BE happening. It does, however, show someone has their head way up a posterior opening and is making a decision they know will take a great deal of effort to prove wrong. IF it spreads - suddenly it become 'accepted practice' and businesses will suffer greatly. This could well be "the plan" -OR- it could be a monumental screw up by some low level banking executive.

Senile Old Man Don ........... YOU NEED SUPPLIES - by gawd I'll ship 'em to you without fear of recourse! This is PEOPLE CONTROL at it's finest! Banks and the government love nothing more than controlling PEOPLE!
 

tA71ana

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If banks and CC Processors start blocking transactions for stuff (and not just vape stuff) and doing it in great numbers, folks will eventually start just using cash or some other payment vehicle.
Banks would be just hurting themselves and the politicians that go along with this type of thing will eventually find themselves out of a job.
I don't know much about this issue (this is the first that I have heard of this)..what I DO know is there is some really strange, weird and disturbing stuff going on here and there in the US - the type of stuff that if it happened 30 years ago, folks would be up in arms saying, "oh, I don't think so, buddy".
 

JacobDaniel

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FOLKS.....take a breath....Some shops to save some cash don't pay higher fees for more "security' when you use a CC SO...if they go with a lower fee then some cards especially with Credit Unions won't allow the charge to go through so it looks to the bank/cc as a bad charge. There is NO legislation. I hate it when people freak out oveer NOTHING

I have accounts at a credit union, at least one time a week I put a charge for well over $1000.00 for iPad screens and related devices, one vendor, one charge. I have had my credit union call and ask if it's a legit transaction five minuets after I placed the order.

Why is this not the case? Why not ask the account holder if it is in fact a legit transaction? They have no right to block or hold any transaction. The few company's that did in fact try this, I no longer do business with and I pass that on every time I breath.
 

patkin

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Well this has sure awoken me to what life will be once the FDA is through "deeming" as I live in Arizona where tobacco products can't be purchased any way but face-to-face and since I haven't found an Arizona B&M with any acceptable (to me) juices and none that sell plain nic, I'll be getting full swing into DIY or buying zero nic premixed from my usual out-of-state vendor. I just hope they don't deem my hardware a tobacco product with the markups I've seen here. Think I'm kidding there? No, I'm not.
 

grandmato5

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I hope we don't have more problems like this when the FDA does "deem" ecigs to be tobacco products.

J.R.

Unless specifically exempted, if the FDA deems ecigs to be a tobacco product we should expect that there will be those that will attempt to enforce the P.A.C.T. Act on our nic juice and ecig components.

Some of us have been warning for a long time that simply by deeming our ecig a tobacco product and forcing us to follow all the current rules for tobacco products that our ecig world as we know it today would greatly change. This is just one small example of what we could be facing.
 

JacobDaniel

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It's too bad BitCoin is so flaky and so hard to actually get cash from, it would be a perfect solution here. I wouldn't expect too many small merchants would want to risk BC right now...

It is hard to find a credible merchant in any business, it seems to be harder as a ecig/vapor vendor.

I had an account with a merchant listed below, my first transaction was a little over $1000.00.
They would nor release the funds for 90 days, are you kidding.

I refunded the amount to my customer, I never could get a real statement saying I in fact refunded the payment.

Not to push the square, their fees are high, 2.75% swipe/3.something% keyed in. But they have never held funds or delayed, I do not sell or have anything to do with e-ciggs, but it is easy and cheap to get a DBA or a LLC to handle the transactions only.
Then nothing ecigg related would show up on either credit transaction. Simple.

By the way, I would never do business with BOA (Bank of America) or payanywhere.co_m.

It's not really a big deal if you sit down and think about it. It will take vendors time to bypass this small hurdle, but we will be fine.
 

macpeace

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Sometimes living in Oklahoma reminds me of how backward things are here. The local news is obviously biased against e-cigs here. They always get the roughest looking people they can, and slant the stories to look like its a thug thing when they do them. Recently the Governor banned e-cigs on all state owned property. I would say big tobacco funds were scooped up here for sure.

P.S. The Sooners dominated the Alabama game WOOT!
 
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BillyWJ

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It is hard to find a credible merchant in any business, it seems to be harder as a ecig/vapor vendor.

I had an account with a merchant listed below, my first transaction was a little over $1000.00.
They would nor release the funds for 90 days, are you kidding.

I refunded the amount to my customer, I never could get a real statement saying I in fact refunded the payment.

Not to push the square, their fees are high, 2.75% swipe/3.something% keyed in. But they have never held funds or delayed, I do not sell or have anything to do with e-ciggs, but it is easy and cheap to get a DBA or a LLC to handle the transactions only.
Then nothing ecigg related would show up on either credit transaction. Simple.

By the way, I would never do business with BOA (Bank of America) or payanywhere.co_m.

It's not really a big deal if you sit down and think about it. It will take vendors time to bypass this small hurdle, but we will be fine.

I hope it's not a big deal. The only thing I've used other than debit/credit to buy online is Popmoney, for Darkest Days, and that went fine. Took a day or two to go through.

This could also benefit brick and mortar, the harder online gets, the more people will go local. I'm spoiled, as my favorite company for juice is a 15 minute drive, and they sell retail.
 
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