I want to build a marketplace for electronic cigarette vendors/individuals. I've been a vendor for almost 3 years and have a unique product which is even more effective than others in helping people quit smoking (even though we are not allowed to market it this way). I think that looming regulation will destroy a lot of small businesses, so I am trying to find a way to respond to that.

Getting someone to take payments is really hard though. Balanced just changed their terms, so I am really demoralized but still keeping at it. My options seem to be to become a payment processor myself (expensive and I have no clue what to do) or wait until a similar service comes along and make sure to get in quick so I can get grandfathered in before they change the terms.

If anyone has some insight on payments and wants to help me learn the industry or if you smoke and want to quit, let me know.