Merchant Accounts for Firearms Dealers and Gun Stores

Merchant Accounts for Firearms Dealers and Gun Stores

Merchant Accounts for Firearms Dealers and Gun Stores

Compliant processing built for regulated weapons sales.

Trusted by FFL dealers, instructors, and ammo suppliers.

firearms payment processing
firearms payment processing
Happy couple shopping online with a credit card and tablet, making a secure payment for a purchase.

Personalized Support for Firearms Businesses

Personalized Support for Firearms Businesses

Work with specialists who understand FFL licensing, ATF regulations, and high-risk processing.

High Approval Rates for Firearms and Ammo Sales

High Approval Rates for Firearms and Ammo Sales

Get approved even if other providers have rejected or shut you down.

Built-In Chargeback and Fraud Protection

Built-In Chargeback and Fraud Protection

Minimize financial risk and secure your payment flow with advanced tools.

Challenges That Put Gun Industry Merchants at Risk

Firearms businesses face unique payment processing obstacles that mainstream providers won't handle. Many gun dealers discover their accounts frozen or terminated without warning, leaving them scrambling to process sales. Banks often flag weapon merchants as "prohibited businesses" regardless of proper licensing and compliance.

FFL retailers frequently encounter:

  • Payment processors that initially accept, then later drop firearms accounts

  • Funds held for extended periods during "reviews"

  • Higher-than-average decline rates on legitimate transactions

  • Sudden account terminations based on selling legal firearms products

SensaPay eliminates these roadblocks with dedicated firearms merchant accounts that recognize the legitimate nature of your business. Our underwriting team evaluates your operation based on actual risk factors.

ammo
ammo
ammo
ammo

Types of Tactical Businesses We Serve

The firearms industry encompasses far more than just retail gun shops. Each segment faces unique payment challenges that standard processors fail to address. SensaPay has developed specialized solutions for every corner of the tactical marketplace, from small custom gunsmiths to large-scale distributors.

Our payment infrastructure adapts to the specific needs of each business model while maintaining the highest compliance standards.

  • FFL-Certified Dealers

  • Gun Range Operators

  • Concealed Carry Instructors

  • Tactical Equipment Sellers

  • Ammunition Retailers

  • Security Supply Vendors

  • Safety Training Providers

Whether you operate a gun shop, sell ammunition, or run firearms training courses, our payment solutions fit your business model while meeting all compliance requirements.

Payment Tools Designed for Regulated Weapon Sales

Firearms merchants need specialized payment tools that work within industry regulations while providing flexibility. SensaPay delivers payment solutions built for the unique requirements of gun sales and related services.

Accept secure payments anywhere, ideal for store counters, trade shows, or training sites.

Set up recurring billing for range access, training programs, or gear rental with minimal effort.

Recover failed transactions automatically, useful for memberships or recurring customer agreements.

Chargeback Management

Reduce financial risk with real-time alerts, expert support, and built-in dispute tools.

Manually process card payments from your back office or secure device, no hardware required.

Send compliant, professional invoices without extra processing fees, great for custom orders or B2B sales.

Credit Card Processing Built for Licensed Gun Sales

SensaPay provides firearms businesses with reliable payment processing across all sales channels. Our platform supports in-store terminals, mobile devices for gun shows, and online transactions for parts and accessories.

Unlike general payment processors who shy away from firearms, we understand the industry's unique needs. Our approval rates remain high for legitimate gun dealers because we evaluate each business on its own merits rather than applying blanket restrictions.

Our system handles the complexities of firearms transactions, including proper coding and documentation requirements. This means fewer declined transactions and smoother payment experiences for your customers.

Our Proven Setup Process for High-Risk Merchants

Getting started with SensaPay follows a straightforward path designed for firearms businesses:

1

Apply with Business Details

Complete our simple application with your business information and processing needs.

3

Product & Service Review

Our team reviews your inventory and sales channels to ensure proper categorization.

5

Connect to Your Systems

Integrate our payment tools with your existing POS, website, or management software.

2

Submit required documentation

Business registration, owner ID, and website/product details.

4

Compliance review

Provide basic business information and processing needs.

2

Upload Required Documents

Submit your FFL license, business formation documents, and processing history.

4

Compliance & Risk Check

We verify your business meets all regulatory requirements for firearms sales.

6

Go Live with Confidence

Begin processing payments with ongoing support from our firearms industry specialists.

Get a Legal Payment Solution for Gun & Ammo Sales

Stop worrying about sudden account shutdowns or payment holds. SensaPay provides stable, long-term payment processing designed for firearms businesses.

Book a Demo

Apply Now

End-to-End Compliance Support

The intersection of firearms commerce and payment processing creates a complex regulatory environment that changes frequently. SensaPay doesn't just process your payments; we serve as compliance partners who help protect your business from regulatory pitfalls. Our team monitors legislative changes affecting firearms merchants and proactively updates our systems to keep your payment processing aligned with current requirements. 

  • FFL verification and documentation management

  • Transaction monitoring aligned with ATF guidelines

  • Shipping and fulfillment rule guidance

  • Regular compliance updates as regulations change

  • Clear policies for age verification and restricted items

  • Documentation reviews to prevent processing issues

Our team stays current on firearms industry regulations to help your business maintain proper compliance while processing payments smoothly.

Other Industries

pawn shops
pawn shops
pawn shops
pawn shops

Pawn Shops

timeshare
timeshare
timeshare
timeshare

Precious Metals

jewelry brands
jewelry brands
jewelry brands
jewelry brands

Jewelry Brands

FAQs for FFL Dealers and Tactical Retailers

Why do most payment processors reject firearms businesses?

Rates can vary depending on factors like the level of risk your business carries and whether you sell online or in person. Typically, adult businesses see processing fees between 2.95% and 5%. Keep in mind, this doesn’t include other costs such as monthly account fees.

Why do most payment processors reject firearms businesses?

Rates can vary depending on factors like the level of risk your business carries and whether you sell online or in person. Typically, adult businesses see processing fees between 2.95% and 5%. Keep in mind, this doesn’t include other costs such as monthly account fees.

Why do most payment processors reject firearms businesses?

Rates can vary depending on factors like the level of risk your business carries and whether you sell online or in person. Typically, adult businesses see processing fees between 2.95% and 5%. Keep in mind, this doesn’t include other costs such as monthly account fees.

Why do most payment processors reject firearms businesses?

Rates can vary depending on factors like the level of risk your business carries and whether you sell online or in person. Typically, adult businesses see processing fees between 2.95% and 5%. Keep in mind, this doesn’t include other costs such as monthly account fees.

Can I process online sales for firearms accessories?

Rates can vary depending on factors like the level of risk your business carries and whether you sell online or in person. Typically, adult businesses see processing fees between 2.95% and 5%. Keep in mind, this doesn’t include other costs such as monthly account fees.

Can I process online sales for firearms accessories?

Rates can vary depending on factors like the level of risk your business carries and whether you sell online or in person. Typically, adult businesses see processing fees between 2.95% and 5%. Keep in mind, this doesn’t include other costs such as monthly account fees.

Can I process online sales for firearms accessories?

Rates can vary depending on factors like the level of risk your business carries and whether you sell online or in person. Typically, adult businesses see processing fees between 2.95% and 5%. Keep in mind, this doesn’t include other costs such as monthly account fees.

Can I process online sales for firearms accessories?

Rates can vary depending on factors like the level of risk your business carries and whether you sell online or in person. Typically, adult businesses see processing fees between 2.95% and 5%. Keep in mind, this doesn’t include other costs such as monthly account fees.

Will my account be shut down if I sell ammunition?

Rates can vary depending on factors like the level of risk your business carries and whether you sell online or in person. Typically, adult businesses see processing fees between 2.95% and 5%. Keep in mind, this doesn’t include other costs such as monthly account fees.

Will my account be shut down if I sell ammunition?

Rates can vary depending on factors like the level of risk your business carries and whether you sell online or in person. Typically, adult businesses see processing fees between 2.95% and 5%. Keep in mind, this doesn’t include other costs such as monthly account fees.

Will my account be shut down if I sell ammunition?

Rates can vary depending on factors like the level of risk your business carries and whether you sell online or in person. Typically, adult businesses see processing fees between 2.95% and 5%. Keep in mind, this doesn’t include other costs such as monthly account fees.

Will my account be shut down if I sell ammunition?

Rates can vary depending on factors like the level of risk your business carries and whether you sell online or in person. Typically, adult businesses see processing fees between 2.95% and 5%. Keep in mind, this doesn’t include other costs such as monthly account fees.

Do you support gun show sales?

Rates can vary depending on factors like the level of risk your business carries and whether you sell online or in person. Typically, adult businesses see processing fees between 2.95% and 5%. Keep in mind, this doesn’t include other costs such as monthly account fees.

Do you support gun show sales?

Rates can vary depending on factors like the level of risk your business carries and whether you sell online or in person. Typically, adult businesses see processing fees between 2.95% and 5%. Keep in mind, this doesn’t include other costs such as monthly account fees.

Do you support gun show sales?

Rates can vary depending on factors like the level of risk your business carries and whether you sell online or in person. Typically, adult businesses see processing fees between 2.95% and 5%. Keep in mind, this doesn’t include other costs such as monthly account fees.

Do you support gun show sales?

Rates can vary depending on factors like the level of risk your business carries and whether you sell online or in person. Typically, adult businesses see processing fees between 2.95% and 5%. Keep in mind, this doesn’t include other costs such as monthly account fees.

What happens if I receive a chargeback on a firearms sale?

Rates can vary depending on factors like the level of risk your business carries and whether you sell online or in person. Typically, adult businesses see processing fees between 2.95% and 5%. Keep in mind, this doesn’t include other costs such as monthly account fees.

What happens if I receive a chargeback on a firearms sale?

Rates can vary depending on factors like the level of risk your business carries and whether you sell online or in person. Typically, adult businesses see processing fees between 2.95% and 5%. Keep in mind, this doesn’t include other costs such as monthly account fees.

What happens if I receive a chargeback on a firearms sale?

Rates can vary depending on factors like the level of risk your business carries and whether you sell online or in person. Typically, adult businesses see processing fees between 2.95% and 5%. Keep in mind, this doesn’t include other costs such as monthly account fees.

What happens if I receive a chargeback on a firearms sale?

Rates can vary depending on factors like the level of risk your business carries and whether you sell online or in person. Typically, adult businesses see processing fees between 2.95% and 5%. Keep in mind, this doesn’t include other costs such as monthly account fees.

Set Up a Merchant Account for Your FFL Business

Get your firearms business equipped with reliable payment processing that won't disappear when you need it most.

Chat with a payments expert

Chat with a payments expert