Those are all card-present transactions
Paypal allows B&M vape merchants to take paypal. Customer-present (or at least they used to back in 2014 when they had to forbid online transactions). Customer present/card-present = lower risk.
"High risk" has more than one definition in the processing industry and is attributed to the product, the transaction type or both.
Means one or a combination of the following...
- Product has high consumer liability issues
- Sales of products have high rates of fraudulent transactions
- Product is adult oriented
- Product has high rates of chargebacks/disputed transactions
- Product is regulated by the govt.
- Customer is not present for transaction
- Card is not seen by merchant when transaction occurs.
etc.