Fast, Secure, and Transparent Credit Card Processing for FFLs

With Host Merchant Services, accept payments in-store, online, and at gun shows – with next-day funding, transparent pricing, and 2A-friendly underwriting.

Payment Processing That Supports the 2A Community

Trusted by Firearms Professionals Nationwide

Payment Solutions That Fit How You Sell

In-Store & Range

EMV chip, tap-to-pay, and modern POS options for fast, compliant checkout.

Online & GunBroker

FFL-aware eCommerce with gateway support for WooCommerce, Magento, BigCommerce, and GunBroker Immediate Checkout via supported gateways.

Mobile (Gun Shows & Events)

Process cards anywhere with wireless terminals and mobile readers, perfect for shows, expos, and on-site classes.

Recurring, Layaway & Deposits

Bill memberships, training packages, repairs, and layaway plans without rekeying data.

Expert Guidance for Selling Firearms Online Safely and Legally

Navigating eCommerce platforms as a firearms or FFL-related business can be tricky – not all platforms treat firearm-related sales equally. For example, Shopify’s built-in gateway (Shopify Payments) restricts the sale of firearms and certain accessories under its Acceptable Use Policy. However, many compliant businesses still use Shopify successfully by integrating third-party, FFL-friendly payment gateways. We help you understand what’s allowed and ensure you stay within platform guidelines.

If you prefer more flexibility, self-hosted platforms like WooCommerce or Magento, as well as BigCommerce, generally allow more customization for FFL workflows, including checkout processes, dealer networks, and age verification. Our team provides expert guidance on choosing and configuring the right eCommerce setup to keep your business compliant, functional, and optimized for firearm sales.

Expert Guidance for Selling Firearms Online Safely and Legally

Fast, Straightforward Onboarding

Start accepting payments by following three simple steps:

Stay Compliant and Minimize Risk in Every Transaction

Selling firearms online requires more than just a payment gateway – it demands strict compliance and strong risk controls. We help ensure your checkout process captures essential information, such as the buyer’s selected FFL dealer for shipment and required order notes, keeping your operation aligned with ATF requirements.

To protect your business from fraud and chargebacks, we provide advanced tools like AVS/CVV checks, velocity filters, PCI compliance support, and hands-on dispute assistance, all designed to keep your approval rates high and risk exposure low.

Because firearm businesses are often labeled high-risk by traditional processors, working with the right partners is critical. We place you with FFL-friendly banks and specialized underwriters who understand your industry, helping you avoid unexpected account freezes or shutdowns due to compliance misunderstandings.

Why Firearms Merchants Choose Host Merchant Services

Everything You Need to Process Payments with Confidence

Retail Terminals & POS (EMV/Tap)
Online Gateway + Shopping Cart Support (WooCommerce, Magento, BigCommerce; Shopify With Third-Party Gateway, Where Permitted)
GunBroker Immediate Checkout Support
Mobile Readers for Gun Shows & Events
Recurring Billing & Layaway
Fraud Prevention & Chargeback Assistance
PCI Compliance Support
Next-Day Funding
U.S.-Based, Dedicated Support Team

Ready to Accept Payments With Confidence?

Go live fast, with a payments partner that understands FFL workflows, GunBroker, and eCommerce. Talk to our payments expert at (877) 517-4678 or fill out our form and our team will connect with you soon.

Frequently Asked Questions

Can I sell firearms online and take card payments?

Yes, if you are an FFL, and you ship serialized firearms to the buyer’s chosen FFL for the final transfer/background check. Our checkout and order-notes flow supports that requirement.

Do you support GunBroker?

Yes. We work with gateways compatible with GunBroker Immediate Checkout, so buyers pay and you settle quickly.

Is Shopify allowed for firearms?

Shopify’s platform has nuanced rules; Shopify Payments (their built-in gateway) restricts firearms, so many FFLs use an approved third-party gateway and comply with the AUP. We’ll review your catalog and advise the safest path.

Why not just use a mainstream processor?

Many large providers treat firearms as high-risk and may freeze funds or close accounts. We place you with firearm-friendly banks and configure fraud/chargeback controls from day one.

How fast can I get funded?

Next-day funding is available for eligible accounts. We’ll confirm your specific funding window at onboarding.

Firearm Merchant

Low-risk Firearm and FFL Merchant Accounts

Payment processing in the firearms industry is anything but a straight shot – well, it’s quite a conundrum. But not anymore! Host Merchant Services specializes in providing tailored merchant account solutions, so whether you own a gun shop, are an online firearms retailer, or an FFL dealer, we’ve got you covered with secure, reliable, and compliant payment processing.

Low-Risk Firearm Processing

Expert team focused on firearm merchants
Multiple merchant account options
Faster turnaround times
Unbeatable rates
Transparent pricing with no hidden fees
Lifetime rates
Five-star rated service

We Understand. We Deliver. We Drive Growth.

High Risk for Others, Low Risk for Host Merchant Services

Firearms businesses are often labeled high-risk due to strict regulations, high chargeback rates, and operational complexities. Federal, state, and local laws require extensive compliance, while high-ticket transactions increase fraud risks. Legal and logistical challenges further add to the perceived risk.

Host Merchant Services reduces this risk through industry expertise, tailored underwriting, and advanced fraud prevention. Our team stays current on regulations, ensuring compliance. A customized underwriting process evaluates each business’s financial health to mitigate risk early. Fraud detection and chargeback prevention tools protect high-value transactions, while ongoing monitoring keeps accounts secure and compliant over time.

Secure, Reliable, and Customized Solutions for Your Firearm Business

We specialize in providing firearms merchants with payment processing and merchant services. Our experienced team understands the complexities of securing merchant accounts for the firearms industry and has streamlined the process. With access to various boarding banks, we help our merchants secure the best rates with faster turnaround times. Get started today with the leading firearm merchant account solution with the promise of:

Our dedicated team understands the unique challenges faced by firearm merchants. With years of experience, we ensure your business complies with all regulations while ensuring all transactions go smoothly.

Time is money. Our efficient application process delivers rapid approvals, enabling you to start processing payments immediately—without any needless delays or repeated back-and-forth.

We envision a clear partnership built on the foundation of transparency and honesty. Enjoy competitive rates with transparent pricing structures—no surprises, you pay what you see.

Protecting your business and customers is our top priority. Our state-of-the-art security protocols safeguard against fraud, ensure compliance with industry standards like PCI DSS, and include data encryption, real-time fraud detection, and a secure payment gateway to protect sensitive information.

One Solution for the Entire Firearm Industry!

Host Merchant Services expands its services across different business types. So whether you are an FFL dealer, the owner of a shooting range, or offering self-defense training classes online, we have you covered!

FFL Dealers
Ammunition Merchant Accounts
Concealed/Carry Permit Classes
Firearm Accessories
Firearms Manufacturers
Shooting Ranges
Gunsmith Services
Gun Show Vendors
Self-Defense Training Classes
Weapons Parts and Components Dealers

Airsoft and Paintball Gun Shops
Survival and Tactical Equipment Sellers
Security and Law Enforcement Supply Stores
Archery Equipment Retailers
Firearms Training and Certification Programs
Military Surplus Stores
Preppers and Survivalist Gear Sellers
Tactical Gear Retailers
Hunting Supply Stores
Online Firearm Retailers

A Process So Simple That You Can Focus on Your Firearm Sales, Not the Paperwork

Getting started with your firearms merchant account at Host Merchant Services is straightforward when you have the right documentation prepared. Our streamlined process is designed to meet industry regulations and to ensure a quick and smooth application experience.

Step 1: Gather Essential Documentation

Before beginning your application, make sure you have the following documents on hand:

Business license or articles of incorporation
Proof of business registration and operation
ATF Firearms Dealer License
Any state-specific licenses or permits required for firearms sales
Valid government-issued photo ID for all business owners or key stakeholders
Recent bank statements or a voided check for account verification
Financial statements and credit references that illustrate the stability of your business

Any additional regulatory or compliance documents that support your application (e.g., security protocols, fraud prevention measures)

Step 2: Complete and Submit Your Application

Fill out our secure online application form with detailed information about your business operations, including the nature of your firearms-related products and services. Attached are scanned copies of all the required documentation. Our secure system ensures your sensitive data is protected throughout the process.

Step 3: Application Review and Verification

Our dedicated risk management team reviews each application to ensure compliance with regulatory requirements. This process includes a detailed verification of your business credentials and financial health.

In some cases, additional information or documentation might be requested. We maintain open communication to address any questions promptly.

Step 4: Approval and Account Setup

Once your application is approved, you’ll receive your merchant account details and integration instructions, typically within 24-72 hours. With your account active, you can begin processing transactions securely, backed by our robust anti-fraud and chargeback solutions.

Comprehensive Payment Solutions Tailored to Your Needs

Whether you operate a brick-and-mortar gun shop, an online store, or offer firearm training services, we have the right payment processing solution.

Equip your physical store with reliable point-of-sale systems that accept all major credit and debit cards, enhancing customer convenience.

Expand your online presence with our secure payment gateways, which are compatible with leading eCommerce platforms and ensure a smooth checkout experience for your customers.

For businesses on the move, our mobile payment options allow you to accept payments at gun shows, training events, or any location, providing flexibility and convenience.

Our virtual terminal solutions make it easy to process phone or mail orders. These solutions allow you to enter payment details directly into our secure system.

Why Choose Host Merchant Services For Your Firearms Merchant Account?

At Host Merchant Services, we recognize that payment processing for high-risk merchants requires specialized attention and expertise. We’re dedicated to supporting your firearms business with tailored solutions that keep your operations smooth, secure, and profitable. Here’s what you can expect when you partner with us:

We work hard to secure some of the most affordable processing rates on the market, using interchange plus pricing models to ensure your business maintains optimal profitability.
Our dedicated support team is available 24/7, ready to address your questions and provide practical solutions whenever needed.
Our infrastructure is built to handle high-volume and high-ticket transactions, making us the ideal partner for businesses with significant processing needs.
To help keep your costs low, we eliminate the burden of application, set-up, and annual fees.
Understanding the importance of timely operations, we typically process your application and get you approved within 24-72 hours.
Our PCI Level 1 certified payment gateway ensures that every transaction is secure, giving you peace of mind knowing that your data and funds are protected 24/7.

Partner with a Trusted Leader in Firearm Payment Processing

Host Merchant Services is committed to supporting the Second Amendment and the businesses that uphold it. We aim to provide firearm merchants with the tools and services needed to thrive in a competitive market.

Ready to enhance your payment processing experience? Contact us today to learn more about our firearm merchant account solutions and how we can support your business’s growth.

Fast, Secure, and Transparent Credit Card Processing for FFLs