Firearms Payment Processing
Firearms Merchant Accounts That Stay Open
We provide stable, long-term merchant accounts for FFL dealers, gun shops, and online firearms retailers, backed by banking relationships that support Second Amendment businesses.
Fast Approvals
Most firearms merchants receive a decision within 24–72 hours of submitting a complete application.
Competitive Rates, No Hidden Fees
Transparent pricing from day one, with rates that reflect your volume and chargeback history, not just your industry.
Dedicated Firearms Support
A named account manager familiar with FFL compliance and firearms merchant requirements handles your account directly.
See How Your Firearms Rates Compare
Firearms merchants pay premium rates because most processors refuse the category. Enter your volume to see what we can offer.
- Banking that supports Second Amendment businesses
- In-store POS and online processing
- NICS-aware underwriting
How much are you overpaying?
Enter your numbers from last month's processing statement.
All figures shown are estimates only and may be subject to change based on application review, business model, risk factors, and underwriting assessments. This tool does not constitute a commitment, guarantee, or offer of specific terms.
Same-day decisions · No application fee · Dedicated account manager
Payment Processing That Supports FFL Dealers
Firearms merchants face constant debanking threats even when fully compliant. We maintain banking relationships that explicitly support Second Amendment businesses.
Challenges Firearms Merchants Face
Debanking and Sudden Terminations
Many mainstream processors and banks terminate firearms accounts under pressure, regardless of FFL status or compliance record.
MATCH List Risk
A single unexpected termination can land a merchant on the MATCH list, making it extremely difficult to obtain a new account.
NICS Transaction Complexity
Handling NICS background check fees and delayed delivery transactions requires processors who understand firearms-specific billing patterns.
High-Ticket Chargeback Exposure
Firearms are high-value items, meaning a single fraudulent chargeback can represent a significant financial loss without proper dispute protection.
Built for Firearms Retail
FFL-Knowledgeable Underwriting
Our underwriters understand FFL license types, NICS transaction flows, and state-level compliance requirements.
Stable Banking Relationships
We maintain direct relationships with acquiring banks that explicitly support firearms businesses for the long term.
In-Store and Online Processing
Full support for both POS terminal transactions at your gun shop and card-not-present processing for online firearms sales.
Chargeback Dispute Management
Real-time Ethoca and Verifi alerts give you advance notice of disputes on high-ticket firearms transactions before they become chargebacks.
Fast Decision Underwriting
Most firearms merchant applications receive a decision within 24–72 hours, with a streamlined onboarding process that gets you processing fast.
Dedicated Account Manager
Your named account manager understands the firearms industry and is available whenever you need support or have compliance questions.
Corepay By the Numbers
-
72hrs Max Approval Timeframe
-
20+ Years Specialty Experience
-
135+ Currencies Supported
How Firearms Merchant Approval Works
Submit Your Application
Complete our application with your FFL license details, business information, and current or projected processing volume.
Underwriting Review
Our team reviews your FFL documentation and business model, with most decisions returned within 24–72 hours.
Account and Gateway Setup
We configure your merchant account, set up POS or online gateway integrations, and establish your fraud and chargeback monitoring.
Start Processing
Your account goes live and you can begin accepting payments in-store and online, with dedicated support available around the clock.
Processing Payments in 30+ Countries
United States
50 statesFull domestic processing with next-day funding and dedicated account management.
European Union
27 member statesPSD2 and SCA compliant processing across all EU member states with multi-currency settlement.
United Kingdom
England, Scotland, Wales, NIFCA-regulated payment processing with GBP settlement and local acquiring.
Australia
All territoriesAPRA-compliant processing with AUD settlement and Asia-Pacific connectivity.
Firearms is one of the most challenging industries to find reliable credit card processing. Financial institutions and regulators have tightened restrictions over the years while consumer demand has steadily grown. An estimated 42% of Americans own a firearm or live with someone who does, and online firearms sales are increasing rapidly.
We provide processing for FFL dealers, ammunition merchants, concealed carry permit classes, firearms accessories, manufacturers, gun clubs, military supply stores, shooting ranges, and tactical supply online stores.
Why Firearms Are High-Risk
Heavy federal regulation means stricter underwriting. Firearms are a political topic, and banks do not want their names tied to controversy. Reputational risk is significant, since the industry faces public scrutiny after any high-profile incident. Chargebacks occur for standard reasons like fraud and buyer’s remorse, but also from situations unique to firearms, such as purchases made with stolen credit cards by prohibited buyers. And most firearms are high-ticket items over $50 per transaction.
Preventing Chargebacks
- Use a secure payment gateway
- Implement chargeback prevention tools
- State clear refund and exchange policies
- Analyze chargeback incidents for patterns
- Maintain 24/7 customer service
Applying for Your Account
You will need a Federal Firearms License in addition to standard documents:
- FFL (depending on what you sell)
- EIN
- Business address
- Personal and business financial history
- Articles of incorporation
- Business license
- Six months of processing statements (if available)
- Compliant website with terms, conditions, and refund policy
MCC Code
The MCC for firearms and accessories is 5999.
FFL Requirements
You only need an FFL if you are selling firearms. Companies that sell only accessories do not require one. It is 100% legal to buy a firearm online, but it must be shipped to a licensed FFL dealer.
Why Choose Corepay
- Competitive rates
- Approvals within 24 to 72 hours
- High-volume and high-ticket processing
- Waived application, setup, and annual fees
- PCI Level 1 secure gateway
- 24/7 customer service
