Firearms Merchant Account Solutions
Don't let payment processing hold back your FFL business. HighRiskPro specializes in firearms merchant accounts with a 94% approval rate for licensed dealers.
Why Gun Stores Struggle with Payment Processing
The firearms industry faces unique payment processing challenges
Bank De-Banking
Major banks like Bank of America, Citibank, and others have policies against firearms dealers. "Operation Choke Point" legacy continues to affect the industry despite being officially ended.
Processor Restrictions
PayPal, Stripe, Square, and most mainstream processors explicitly prohibit firearms sales. Even some high-risk processors avoid firearms due to compliance complexity.
Compliance Complexity
FFL licensing, ATF regulations, state laws, and age verification requirements create compliance burdens. Processors need expertise to navigate these requirements.
High Ticket Risk
Firearms transactions average $400-800, with some reaching $5,000+. High-ticket transactions increase chargeback exposure and fraud risk for processors.
Firearms Payment Processing That Works
HighRiskPro has the banking relationships and expertise for FFL businesses
FFL-Specific Underwriting
Our underwriters understand FFL licensing, ATF compliance, and firearms regulations. We've streamlined the approval process for licensed dealers.
- FFL license verification
- ATF compliance review
- State regulation guidance
- Multi-location support
Fraud & Chargeback Protection
Specialized fraud tools for high-ticket firearms transactions. Age verification, address matching, and velocity controls reduce chargebacks.
- Age verification integration
- Address verification (AVS)
- Velocity fraud checks
- Chargeback alerts
Retail & E-Commerce
Process in-store and online transactions. POS systems, virtual terminals, and e-commerce integration for FFL transfers and direct sales.
- EMV chip terminals
- Contactless/NFC payments
- E-commerce gateway
- FFL transfer payments
Competitive Firearms Rates
Our volume with firearms dealers means better rates. No predatory pricing—fair rates based on your processing history and volume.
- Rates from 2.9% + $0.25
- No setup fees
- Volume discounts available
- Interchange-plus for high volume
Firearms Products We Process Payments For
All legal firearms and accessories from licensed FFL dealers
Handguns
Pistols, revolvers, and self-defense firearms
Long Guns
Rifles, shotguns, and sporting firearms
Ammunition
All calibers, bulk ammo, and specialty rounds
Gun Parts & Accessories
Optics, holsters, magazines, and parts
Tactical Gear
Body armor, tactical equipment, and gear
Gun Safes & Storage
Safes, cases, and security solutions
Range Services
Shooting range fees and memberships
Gunsmithing Services
Repairs, customization, and maintenance
FFL Requirement: All firearms merchants must hold valid FFL licensing. We process payments for Type 01 (Dealer), Type 02 (Pawnbroker), Type 07 (Manufacturer), and Type 08 (Importer) FFLs.
Transparent Firearms Merchant Account Pricing
Small FFL
Under $50K/month volume
- No monthly minimum
- POS terminal included
- Virtual terminal
- Next-day funding
- Chargeback alerts
Growing FFL
$50K - $200K monthly volume
- No rolling reserve
- Multiple terminals
- E-commerce gateway
- Same-day funding
- Dedicated account manager
High Volume FFL
$200K+ monthly volume
- Interchange-plus pricing
- Multiple MIDs
- API integration
- Load balancing
- Priority support
Firearms Merchant Account Requirements
FFL Documentation
- Current FFL license
- ATF Form 7 (if applicable)
- SOT (if Class III dealer)
- State firearms license
Business Documents
- Business license
- Articles of incorporation
- EIN verification
- 3 months bank statements
- Processing statements (if available)
Website Requirements
- Age gate (18+/21+)
- FFL license displayed
- Shipping policy (FFL transfer)
- Return/refund policy
- Privacy policy & terms
Owner Information
- Government photo ID
- SSN for background check
- Personal guarantee
- Proof of address
Firearms Merchant Account Questions
Yes! While mainstream processors prohibit firearms, specialized high-risk processors like HighRiskPro work with FFL dealers. You can accept Visa, Mastercard, American Express, and Discover for all legal firearms, ammunition, and accessories. We've helped over 2,100 gun stores accept credit cards.
We work with all FFL types: Type 01 (Dealer), Type 02 (Pawnbroker), Type 07 (Manufacturer), Type 08 (Importer), and SOT dealers (Class III). Whether you're a small home-based FFL or a large retail chain, we have solutions for your business.
Yes, we process online ammunition sales. You'll need proper age verification on your website and must comply with state shipping restrictions (some states prohibit ammo shipments). We'll help ensure your checkout process meets compliance requirements.
Established firearms dealers with processing history typically qualify for no rolling reserve. New FFL businesses may have a 5-10% reserve for the first 6 months. Your reserve (if any) depends on processing history, chargeback rate, and monthly volume.
SOT dealers can process payments for NFA items including suppressors, SBRs, SBSs, and machine guns. Additional documentation (SOT certificate) is required. Some banking partners have volume limits on NFA items—contact us to discuss your specific needs.
Ready to Accept Payments at Your Gun Store?
Join 2,100+ firearms dealers processing with HighRiskPro.