Payments for lawful 2A retailers.
Gun shops, firearms dealers, ammunition retailers, FFL holders — with underwriting that supports the category legally and without moralizing.
Getting dropped for being legal
Firearms and ammunition retailers get dropped by generic processors because of the category, not because of anything the merchant did wrong. Square, Stripe, PayPal, and most flat-rate processors explicitly prohibit firearms in their terms. We place firearms accounts with partner banks that support the industry legally and correctly, work with FFL-holding merchants, and keep the payment stack operational — whether you're a brick-and-mortar gun shop, an online ammo retailer, or a range with pro-shop sales.
The right program for this category
Interchange-Plus with specialty underwriting
Our first-choice program for this category.
Flat rate for smaller in-person operators
Honest pass-through alternative — no surprise markups.
Firearms and ammunition retailers get dropped by generic processors because of the category, not because of the merchant. We place the account with a partner bank that supports the 2A industry legally and correctly, with transparent interchange-plus pricing.
Category-specific safeguards
- Correct MCC placement (5099, 5999, 5941 as applicable)
- Partner bank selected for firearms-industry compatibility
- FFL compliance-aware underwriting
- Fraud prevention for online ammunition and accessory sales
Common questions
Can you support online ammo sales?
Yes, where state law allows. Online ammunition has state-by-state restrictions and carrier requirements similar to tobacco — we configure shipping controls at checkout to keep the business compliant.
What about NFA items?
NFA items (suppressors, SBRs, etc.) require additional underwriting and documentation. Your specialist will walk through what's supported for your specific FFL.
Will my existing terminal work?
In most cases, yes. We handle the merchant account and gateway placement — the physical hardware usually stays the same. Your specialist will confirm compatibility before switching.
Ready for a real quote?
Send your last statement. A specialist returns the math and the program that fits your business — usually the same day.