Frame - Tobacco - Startups

Tobacco and nicotine merchants contend with age-verification laws, state-by-state shipping restrictions, and processors that don't want the category. Frame replaces patchwork with a single integration that covers age verification, payments, and compliance, all in a single layer, built for a vertical most processors avoid.

Verify identity before the first transaction.

Frame runs identity checks in real time, document verification, watchlist screening, and liveness detection, so legitimate customers get through fast and bad actors don't get through at all.

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Document verification, age checks, and liveness detection

Watchlist and risk screening on every verification

Full audit trail on every check, exportable and compliance-ready

Payments and payouts

Fulfill orders

with confidence.

Fulfill orders

with confidence.

Fast, compliant checkout

Customers expect a clean experience. Frame processes payments with age verification and state-level compliance checks built into the flow.

Fast, compliant checkout

Customers expect a clean experience. Frame processes payments with age verification and state-level compliance checks built into the flow.

Compliance on autopilot

Age verification and state-level shipping restrictions are handled automatically, so you can focus on your business.

Seamless money movement

Deposits in. Withdrawals out. Cards, ACH, PayPal, and Cash App Pay all flowing into a single merchant balance with no stitching together separate processors, no reconciliation headaches, just unified money movement from every channel in one place.

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Usage metering

Track usage and bill accordingly, for API products, metered services, or any model where charges scale with consumption.

Hybrid plans

Combine flat subscriptions with usage-based pricing in the same billing flow. One integration handles both.

Invoicing

Send invoices and collect payment automatically. Net 30, Net 60, or custom terms.

Advanced billing

Subscription management, proration, upgrades, and downgrades are handled without custom code.

Location intelligence

Know where you

can ship.

Know where you

can ship.

Real-time location verification

Confirm the buyer's location before checkout to ensure the order complies with state and local shipping laws.

Real-time location verification

Confirm the buyer's location before checkout to ensure the order complies with state and local shipping laws.

Multi-state, one integration

Easily expand into new markets. Our geocompliance layer adapts as you launch in new states and jurisdictions.

Accurate buyer verification

Location verification isn't as simple as checking a GPS pin. Buyers spoof coordinates, mask their IP addresses, and use VPNs to appear to be somewhere they're not. We layer GPS, Wi-Fi positioning, and device-level signals to build a clear picture of where someone actually is.

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Evidence reports

Compliance-ready location records for every user, exportable for audits or board inquiries.

Device integrity checks

Detect if a user is masking their real location through VPN or device spoofing.

VPN and proxy detection

Flag sessions where the user’s stated location doesn't match their actual connection.

GPS + WiFi + device signals

Multiple signal layers working together so location verification doesn't depend on a single data point.

Payment methods

Accept every way to pay

Credit cards, debit cards, Apple Pay, Google Pay, and digital wallets.
If it's in their wallet or on their phone, you accept it. Simple as that.

Create a checkout

Visa

The world's largest card network, accepted everywhere. Now including your checkout.

Mastercard

Mastercard processes 140+ billion transactions yearly. Capture your share.

American Express

Accept Amex and reach higher-spending customers with better approval rates.

Discover

Accept Discover and reach 70+ million US cardholders you'd otherwise miss.

Apple pay

Accept Apple Pay. One tap to pay, zero friction. The fastest way to close a sale.

Google pay

Instant checkout for Android users, the largest mobile OS in the world.

Payment methods

Accept every way to pay

Credit cards, debit cards, Apple Pay, Google Pay, and digital wallets. If it's in their wallet or on their phone, you accept it. Simple as that.

Create a checkout

Visa

The world's largest card network, accepted everywhere. Now including your checkout.

Mastercard

Mastercard processes 140+ billion transactions yearly. Capture your share.

American Express

Accept Amex and reach higher-spending customers with better approval rates.

Discover

Accept Discover and reach 70+ million US cardholders you'd otherwise miss.

Apple pay

Accept Apple Pay. One tap to pay, zero friction. The fastest way to close a sale.

Google pay

Instant checkout for Android users, the largest mobile OS in the world.

Payment methods

Accept every way to pay

Credit cards, debit cards, Apple Pay, Google Pay, and digital wallets.
If it's in their wallet or on their phone, you accept it. Simple as that.

Create a checkout

Visa

The world's largest card network, accepted everywhere. Now including your checkout.

Mastercard

Mastercard processes 140+ billion transactions yearly. Capture your share.

American Express

Accept Amex and reach higher-spending customers with better approval rates.

Discover

Accept Discover and reach 70+ million US cardholders you'd otherwise miss.

Apple pay

Accept Apple Pay. One tap to pay, zero friction. The fastest way to close a sale.

Google pay

Instant checkout for Android users, the largest mobile OS in the world.

Identity Verification

Let buyers in.

Keep bad actors out.

Let buyers in.

Keep bad actors out.

Verify buyers instantly

Confirm customer identities against trusted data sources before they deposit, wager, or withdraw.

Verify buyers instantly

Confirm customer identities against trusted data sources before they deposit, wager, or withdraw.

Verify liveliness

Confirm a real person by matching face to ID, preventing synthetic identities and account takeovers.

Know your customers

The same verification engine we use for compliance and underwriting, built for tobacco merchants who need fast, accurate age verification without killing conversion.

Apply now

Contact sales

Verify your buyers

Verifying users is a challenge. We accept that challenge by allowing you to confidently verify document authenticity with ease.

KYC Prefill

Cards, ACH, wire, and more. One integration, one balance.

Document verification

Send money to bank accounts, cards, or wallets on your schedule.

Sophisticated reporting

Stay compliant with automated monitoring and reporting.

Fight Fraud & Chargebacks

Fewer disputes.

More completed orders.

Fewer disputes.

More completed orders.

Data from every transaction

Payment data, buyer verification, and order history combined to detect fraud before it becomes a chargeback.

Data from every transaction

Payment data, buyer verification, and order history combined to detect fraud before it becomes a chargeback.

Data from purchase behavior

Track order patterns, refund frequency, and repeat buyer behavior to flag suspicious activity.

Sonar by Frame

Block fraud with AI-powered detection built for age-restricted e-commerce. When chargebacks come in, frameOS automatically builds the representment case, pulling transaction data, age verification records, and delivery confirmation into a response designed to win.

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Transaction monitoring, included

Detect and prevent transaction fraud while maintaining a seamless user experience.

Shift liability with 3DS

Transfer chargeback liability to card issuers with our 3D Secure solution.

Block known bad actors

Protect your business from fraudsters by implementing custom block lists.

Avoid dispute monitoring programs

Stay off Visa and Mastercard’s monitoring lists (VAMP/BRAM) and avoid fines.

Transparent Pricing

Pricing That Makes Sense

No contracts, no surprises. Get transaction monitoring, alternative payment methods, and full-stack tobacco and nicotine support with pricing that scales with you.

Card Payments

Low-latency auths, network tokens, and 3DS when you need it.

PCI compliance

Onboarding and migration support

No contracts or set up fees

Rates starting from

2.0%

+ 0.39

per successful transaction

Rates determined by our AI underwriting model based on your processing history, dispute rates, and overall business profile.

Transparent Pricing

Pricing That Makes Sense

No contracts, no surprises. Get transaction monitoring, alternative payment methods, and full-stack tobacco and nicotine support with pricing that scales with you.

Card Payments

Low-latency auths, network tokens, and 3DS when you need it.

PCI compliance

Onboarding and migration support

No contracts or set up fees

Rates starting from

2.0%

+ 0.39

per successful transaction

Rates determined by our AI underwriting model based on your processing history, dispute rates, and overall business profile.

Transparent Pricing

Pricing That Makes Sense

No contracts, no surprises. Get transaction monitoring, alternative payment methods, and full-stack tobacco and nicotine support with pricing that scales with you.

Card Payments

Low-latency auths, network tokens, and 3DS when you need it.

PCI compliance

Onboarding and migration support

No contracts or set up fees

Rates starting from

2.0%

+ 0.39

per successful transaction

Rates determined by our AI underwriting model based on your processing history, dispute rates, and overall business profile.

Payments should be easy.

Apply in minutes. Get approved while you sleep. Process payments without thinking about them again.