FFL dealers, gun stores, and shooting ranges face constant processing problems with mainstream processors. We work with banks that understand the firearms industry and won't shut you down.
Firearms dealers are classified high-risk primarily because of regulatory complexity — not because the businesses themselves are risky. FFL requirements, ATF compliance, age verification, and the nature of the products trigger automatic flags at payment processors like Square, Stripe, and Shopify Payments — all of which prohibit firearms transactions. Getting a stable merchant account requires working with banks that specifically underwrite FFL businesses.
Square, Stripe, PayPal, and most bank processors use automated screening that flags firearms & gun shops businesses based on industry code alone — before they ever look at your actual business. They'd rather decline you than take on perceived risk. We work with specialized acquiring banks who actually underwrite your specific business, not just your SIC code.
Countertop and wireless terminals for your retail floor — Clover or Dejavoo, your choice.
Sell online with an Authorize.net or CardConnect gateway — firearms-compliant setup.
We help you present your ATF license and compliance documentation correctly during underwriting.
Pass the card fee to customers — popular with gun shops that have high-ticket transactions.
No surprise terminations. We work with banks who won't pull your account because a news story mentions firearms.
Accounts configured for high-ticket transactions — $500+ firearm sales without trigger holds.
We set up high-risk merchant accounts remotely for businesses anywhere in Texas. Local to the RGV and South Texas, but we serve statewide.
Free application. No commitment. We'll tell you exactly what we can do for your firearms & gun shops business before you sign anything.