Gulf Coast Merchant Services & POS Systems

🚨 **Retailers Selling V**e Products: Important Compliance Update**

We wanted to pass along an important industry advisory that could impact convenience stores, smoke shops, liquor stores, gas stations, and any business selling v**e or e-cigarette products.

Mastercard has significantly increased enforcement through its **Business Risk Assessment and Mitigation (BRAM)** program. Merchants found selling **unauthorized v**e or e-cigarette products** may face serious consequences, including:

⚠️ Significant card brand fines (recent cases have reportedly reached **$100,000**)
⚠️ Loss of merchant processing privileges
⚠️ Placement on the MATCH list, making it extremely difficult to obtain payment processing in the future
⚠️ Potential FDA enforcement actions

One of the biggest misconceptions is that **just because a distributor sells a product doesn't necessarily mean it's authorized for sale in the United States.**

If your business sells v**e products, now is a great time to:

✅ Review your current inventory
✅ Verify products have FDA marketing authorization
✅ Remove unauthorized products from your shelves
✅ Confirm your merchant account is properly approved for to***co/v**e sales

For the latest information directly from the FDA, visit:
🔗 https://www.fda.gov/to***co-products/compliance-enforcement-training/advisory-and-enforcement-actions-against-industry-unauthorized-to***co-products

🔗 https://www.fda.gov/to***co-products/market-and-distribute-to***co-product/to***co-products-marketing-orders

At Gulf Coast Merchant Services, we believe in helping our merchants stay informed—not just processing payments. If you have questions about your merchant account or whether your business is properly set up for to***co or v**e sales, our team is always happy to help.

**eIndustry

**Growing a business takes vision. Building it takes the right partners.**

As business owners ourselves, we understand the decisions that come with growing a company. Whether you're opening a second location, investing in new equipment, increasing inventory, hiring employees, or simply preparing for the next opportunity, having access to the right capital can make all the difference.

That's why we've partnered with multiple lenders to help business owners find financing solutions that fit their goals—not a one-size-fits-all loan.

We can help with:

✅ Business Term Loans
✅ SBA Loans
✅ Business Lines of Credit
✅ Equipment Financing
✅ Working Capital
✅ Commercial Real Estate Financing
✅ Inventory Financing
✅ Invoice Factoring
✅ Expansion Capital
✅ Merchant Cash Advances (when appropriate)

Every business is different, and every funding solution should be too.

We're proud to serve business owners from our office right here in **Pace, Florida**. When you work with us, you're working with real people who take the time to understand your business and help you explore the options that make the most sense for your goals.

📍 Local Office – Pace, Florida
📞 850-995-4414
🌐 www.gulfcoastmerchantservices.com

**Helping Business Owners Build What's Next.**

Your business wasn’t built to stay small.

At Gulf Coast Merchant Services, we help local businesses secure the funding they need to expand, invest, and grow with confidence. Whether you’re opening a new location, upgrading equipment, adding inventory, increasing marketing, or scaling operations — we’re here to help fuel the next chapter of your business.

✅ Local Lending Solutions
✅ SBA Loans & Term Loans
✅ Flexible Lines of Credit
✅ Fast, Simple Application Process

We believe local businesses are the backbone of our community, and we’re proud to help Gulf Coast businesses build stronger futures.

📈 Growth starts with the right financial partner.

Explore your funding options today:
https://zfrmz.com/w2xkgqBNE2oUr2yjWiOz