Firearm Merchant Accounts & Payment Processing
Reliable payment processing solutions designed specifically for firearm businesses. Get approved with competitive rates, even if you've been declined by traditional processors.
- ✓High approval rates for firearms businesses
- ✓Competitive processing rates tailored to firearm retailers
- ✓Fast setup with 24-72 hour approvals
- ✓Support for online and in-store firearm sales
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Payment Processing Challenges for Firearm Businesses
Understanding the unique obstacles firearm merchants face and how Kosipay solves them
High-Risk Classification
Despite being a legal industry, firearms businesses are automatically classified as high-risk by most banks and payment processors, leading to frequent account rejections. Kosipay specializes in high-risk industries and provides stable, long-term processing solutions specifically for firearm merchants.
Regulatory Complexity
The firearms industry faces intense regulatory oversight from the ATF, state agencies, and local authorities. Our payment solutions include compliance tools and ongoing support to help you navigate federal, state, and local regulations affecting firearm businesses.
Excessive Fees
Many processors charge firearm businesses exorbitant rates and fees, taking advantage of the limited options available. Kosipay offers transparent, competitive pricing specifically tailored to firearm merchants, with no hidden fees or unexpected charges.
Policy Discrimination
Many payment processors have explicit policies against serving firearms businesses as part of their corporate policies, regardless of the business's compliance with regulations. Our network of banking partners is committed to serving legal firearm businesses, providing stable processing without policy discrimination.
Banking Restrictions
Firearm businesses struggle to find banking partners willing to support their operations. Kosipay has established relationships with banks that understand the firearms industry and are committed to serving compliant businesses, providing you with stable, long-term processing solutions.
Processing Instability
Firearm merchants often face sudden account terminations or freezes due to risk reassessments or policy changes. Our multi-bank network provides redundancy and stability for your business, ensuring you can continue accepting payments even if a particular processor changes their policies.
Firearm Payment Processing Solutions
Comprehensive payment services tailored for the firearms industry
Firearm-Friendly Merchant Accounts
Dedicated merchant accounts specifically designed for firearm businesses with approval rates over 90%, even for previously declined merchants.
Online Payment Processing
Secure online payment gateways that integrate with major ecommerce platforms for compliant online firearm and accessory sales.
Retail POS Solutions
In-store payment processing systems for gun shops, ranges, and retailers with background check integration capabilities.
Gunsmith & Service Payments
Payment solutions for gunsmiths, armories, and firearms service businesses with invoicing and recurring billing options.
Mobile Payment Options
Accept payments on-the-go at gun shows, events, and competitions with mobile payment solutions designed for firearm vendors.
Range & Training Payments
Payment systems for shooting ranges, training facilities, and firearms education businesses with membership management.
ACH & eCheck Processing
Alternative payment methods beyond credit cards, including direct bank transfers with lower processing fees.
Compliance Tools
Built-in age verification, address validation, and transaction monitoring to maintain regulatory compliance with firearms sales.
Fraud Protection
Advanced fraud detection and prevention systems designed specifically for the unique risks facing firearm merchants.
Simple Application Process for Firearm Merchants
Our streamlined application process gets your firearms business processing payments quickly
Complete Application
Fill out our simple online application with details about your firearms business
Submit Documentation
Provide necessary documentation, including FFL, business licenses, and compliance materials
Compliance Review
Our specialist underwriting team reviews your application with firearms industry expertise
Account Approval
Receive account approval within 24-72 hours, significantly faster than industry averages
Integration Setup
Our team configures your payment gateway and integrates with your existing systems
Start Processing
Begin accepting payments for your firearms business with ongoing compliance support
Firearms Compliance & Risk Management
Multi-Channel Firearms Sales
Frequently Asked Questions
Common questions about firearm merchant accounts and payment processing
What types of firearm businesses can you support?
Our firearm merchant accounts support a wide range of businesses within the industry, including licensed firearms retailers, gun shops, sporting goods stores that sell firearms, online firearms and accessories retailers, gunsmiths and repair services, shooting ranges and training facilities, firearms manufacturers, ammunition retailers, and gun show vendors. All businesses must have the appropriate Federal Firearms License (FFL) if required for their specific business activities and comply with all applicable federal, state, and local regulations.
What are the processing rates for firearm businesses?
Processing rates for firearm merchants typically range from 3.5% to 5.9% plus a small per-transaction fee, depending on your business model, processing volume, and risk profile. While these rates are higher than those for traditional retail, they reflect the specialized banking relationships required for firearm processing. Kosipay offers competitive, transparent pricing with no hidden fees, and we provide custom quotes based on your specific business needs and sales volume.
Do you require a rolling reserve for firearm merchant accounts?
Some firearm merchant accounts may require a rolling reserve, which is a percentage of your processing volume held in reserve to cover potential chargebacks or compliance issues. Not all accounts require reserves, and we work to minimize or eliminate reserves when possible based on your business history and risk profile. When required, reserves typically range from 5-10% and are fully returned to you after a predetermined period, usually 6 months.
What documentation is required to apply for a firearm merchant account?
For a firearm merchant account application, you'll typically need: valid Federal Firearms License (FFL) if applicable to your business, business license and formation documents, bank statements (3-6 months), processing statements (if applicable), valid ID for all owners with 25%+ ownership, detailed description of products sold and business operations, website or physical store information, and clear policies regarding age verification, shipping, and compliance procedures. Our application specialists will guide you through the specific requirements.
How do your payment solutions help with firearms compliance?
Our payment solutions for firearm businesses include several compliance features: age verification tools to ensure purchasers meet minimum age requirements, address validation to verify shipping eligibility, integration with FFL verification systems, proper transaction documentation and record-keeping capabilities, and transaction monitoring to identify potentially problematic patterns. We also provide ongoing education about changing regulations and guidelines to help you maintain full compliance with federal, state, and local laws governing firearms sales.
Can I sell firearms online with your merchant accounts?
Yes, our merchant accounts support compliant online firearm sales. All online firearm transactions must comply with federal, state, and local regulations, including shipping firearms only to licensed FFL dealers (not directly to consumers), proper age verification, background check requirements, and full documentation. Our payment solutions integrate with major ecommerce platforms and can be customized to support the specific compliance requirements of online firearms retailers, ensuring you can sell legally while minimizing risk.
Have more questions about firearm payment processing?
Speak With a Firearm Payment SpecialistGet Your Firearm Merchant Account Today
Don't let payment processing limitations hold back your firearms business growth. Our specialized solutions ensure you can accept payments reliably and securely.
- ✓High approval rates for firearm businesses
- ✓Competitive processing rates with transparent pricing
- ✓Built-in compliance tools for firearms regulations
- ✓Stable, long-term processing without discrimination
Get Started Today
Fill out the form below to receive your tailored payment solution
By clicking submit, you agree to our Terms of Service and Privacy Policy