If mainstream processors keep shutting down your gun business, our team is ready to help. We deliver 2nd Amendment-friendly firearms merchant accounts with a dedicated payment gateway, chargeback protection and fraud prevention - built for the way FFL dealers and gun stores actually operate.
Our team specializes in supporting licensed firearms dealers, which sets us apart from traditional payment service providers that routinely decline or freeze gun-related accounts. You will work with a dedicated account manager who understands FFL compliance and helps you choose the firearms payment solutions that fit your store, range or online shop.
We integrate firearms credit card processing with the POS and inventory software you already use - no technical skills required. Once you apply, you will complete a short application covering your FFL, your products and your processing volume. After underwriting reviews your information, a member of our firearms payment processing team finishes setting up your gun merchant account.
From neighborhood gun stores and ammunition retailers to online firearm marketplaces and shooting ranges, we provide affordable, reliable firearms credit card processing tailored to the unique regulatory challenges of the gun industry.
Everything you need to accept payments and grow with confidence.
There are many compelling reasons to choose Karma Card Payments for processing credit card transactions for your firearms business. Here are the key benefits our gun-friendly payment solutions offer.
Our firearms payment gateways are designed to help FFL dealers and online gun retailers sell with confidence. We give you secure, flexible payment options tailored to firearms - from age and identity verification to support for ammunition, optics and accessory sales alongside your core inventory.
Chargebacks are a serious concern for gun retailers, where high-ticket sales and shipping disputes are common. Beyond lost revenue, excessive chargebacks can trigger penalties and account termination. We use advanced prevention tools to protect your firearms merchant account and help you contest illegitimate disputes.
Fraud prevention is built into every firearms transaction we process. Our solutions flag stolen-card and suspicious orders before they ship - essential protection given the high value of guns, ammunition and optics and the strict compliance standards of the industry.
The firearms industry spans many business models. We provide omnichannel gun payment processing for online, retail and range-based operations of every size.
Share your contact details and a member of our firearms payment processing team will schedule a call to build the right gun merchant account for your business.
Answers to the questions firearms dealers ask us most about accepting payments, FFL compliance, fees and getting approved.
We provide omnichannel firearms payment processing so you can take cards wherever your customers are:
Online: We offer secure firearms payment gateways that let licensed dealers accept credit cards online, with built-in age and identity verification and support for shipping to FFL transfer locations.
In person: We provide gun-store POS systems and card readers for counter sales, ranges and gun shows of every size.
Over the phone: Our virtual terminals make it easy to take firearm and accessory orders over the phone for layaway, special orders and transfers.
Firearms processing fees typically range from 2% to 4%. Because gun and ammunition sales are classified as high-risk, FFL dealers usually pay higher rates than standard retail.
Our mission is affordable firearms payment processing - we shop your account to gun-friendly banks and structure pricing to keep your costs down while keeping your merchant account stable and compliant.
To speed up approval of your firearms merchant account, gather the following before you apply:
Your website should use an SSL certificate and HTTPS and include your legal business name, contact details, a Privacy Policy, Terms & Conditions, a Refund and Return Policy, and clear pricing so underwriting can approve your account quickly.
Card networks and banks classify gun and ammunition sellers as high-risk because of strict federal and state regulations, age-restriction requirements, high-ticket transactions, shipping disputes and the reputational caution of mainstream banks. That is exactly why a specialized, 2nd Amendment-friendly processor matters - we underwrite FFL dealers every day and build in the protections that keep your account open.
Most firearms merchant accounts are approved within 24-48 hours once we have your completed application and supporting documents. Because underwriting for high-risk accounts is more detailed, having clean statements and a compliant website ready is the fastest path to approval.
