Firearms merchant accounts that won't drop you.

All three platforms list firearms under their prohibited business categories. This is a corporate policy decision, not a regulatory requirement — firearms sales by licensed dealers are entirely legal in the United States. Mainstream payment platforms have chosen to exit the category for reputational reasons, leaving FFL dealers and firearms retailers dependent on specialized merchant account providers.

Most general retail POS systems work fine for firearms sales as long as your workflow includes proper 4473 documentation, background check verification, and prohibited-person screening before transferring the firearm. We can also integrate with firearms-specific POS platforms (like Coreware, AXIS Retail, or Orchid) if you need deeper inventory tracking and ATF compliance integration.

Yes. Online firearms sales are legal as long as the firearm is shipped to a licensed FFL holder near the buyer for in-person background check and transfer. We board firearms eCommerce sites that follow proper FFL-to-FFL shipping protocols, age verification, and state-by-state legal compliance.

Firearms processing is actually low-risk financially (low chargeback rates, established customer relationships) but high-risk reputationally. Pricing typically runs 2.5–3.5% all-in — closer to retail than most high-risk categories. We price interchange-plus with full disclosure.

Our sponsor banks have written firearms acceptance into their portfolio strategy — meaning they're not going to wake up one morning and decide to exit the category. We've had firearms merchants on our portfolio for years without disruption. The exception would be a specific compliance issue (FFL revocation, unlicensed sales), not a policy change.