Get approved in as little as 24 hours. No setup fees, no hidden costs.
Get Started FreeHigh-Risk Industries · Firearms
Secure a high-risk firearms merchant account from PayKings. Our specialized payment processing accounts are tailored to firearms industry businesses, providing robust solutions for both online and in-store credit card processing.
Be approval-ready
What underwriters ask for
Approval requirements
To get approved for a firearms merchant account, you need a current Federal Firearms License, the business documents underwriters request, and a completed application. PayKings underwrites firearms businesses through 20+ banking partners.
Underwriters review three things:
Approval runs in four steps:
Firearms businesses carry the high-risk label for four reasons: federal regulation that starts with the FFL, political sensitivity that makes mainstream processors cautious, high average transaction values, and elevated chargeback rates. None of these disqualify you. They are why underwriting has to run through banks that accept firearms merchants rather than through a mainstream processor.
By the numbers
10,000+
Merchants approved across high-risk industries.
86%
Approval rate for the high-risk merchants who apply.
24hr
Average approval time once underwriting has your documents.
$2B+
Processed annually through PayKings merchant accounts.
Apply
Getting set up
Initiate your firearms merchant account with our straightforward online application process.
Provide essential documentation to support your firearms business application.
Benefit from our specialized underwriting team's guidance for firearms businesses.
Start accepting payments for firearms products and expand your business revenue.
Why PayKings
The firearms industry faces unique obstacles in payment processing. As a high-risk sector, many conventional payment processors are reluctant to partner with firearms merchants.
PayKings offers specialized merchant accounts designed to meet the distinct requirements of the firearms industry. We ensure secure, efficient, and compliant payment processing tailored to your business needs.
High-risk designation
Firearms merchants are classified as high-risk due to stringent federal regulatory challenges:
These factors combined make it challenging for firearms merchants to establish a merchant account and accept payments.
Online & in-store
The high-risk label for firearms businesses necessitates partnering with an experienced payment processor. Choose PayKings, a leader in high-risk merchant account solutions, to avoid disruptions and ensure smooth operations for your firearms business.
If you sell firearms online, you'll also need a processor who can provide a firearms payment gateway. A payment gateway serves as the middleman between the merchant and the customer's financial institution, making it simple to accept credit card payments online.
Discover how PayKings provides stable, high-risk processing accounts tailored for the firearms industry, enabling uninterrupted sales and sustainable growth.
Our firearms merchant accounts offer smooth, dependable payment processing tailored to your business needs. With PayKings' specialized solutions, you can concentrate on expanding your firearms business while we manage the intricacies of secure and compliant payment processing.
What's included
Processor policies
Mainstream aggregators do not allow them: PayPal's Acceptable Use Policy, Square's prohibited-items terms, and Stripe's restricted-businesses list all bar firearm and ammunition sales, so gun stores and FFL dealers need a dedicated firearms merchant account from a high-risk processor such as PayKings.
Selling firearms through one of those platforms violates its published policy, and the same policy lets the platform limit or close the account. A firearms merchant account is different: it is underwritten for firearm sales before you process a single payment.
| Comparison | Aggregators (PayPal, Square, Stripe) | PayKings firearms merchant account |
|---|---|---|
| Firearm and ammunition sales | Prohibited under each platform's published policy | Approved for lawful sales by licensed dealers |
| Underwriting for firearm sales | Not available | Approved up front through 20+ banking partners |
| Sales channels | Not applicable for firearms | In store, online, and mail or telephone order |
| Chargeback tools | Not applicable for firearms | Chargeback mitigation included |
| Funding | Not applicable for firearms | Next-day funding available |
If you sell online, our firearms payment gateway connects to ecommerce platforms such as WooCommerce and works with marketplace sites such as GunBroker.com.
Card acceptance
Yes. A licensed dealer with a firearms merchant account can accept major credit and debit cards in store, online, and by mail or telephone order. The barrier is never the card in your customer's wallet; it is whether the dealer's payment processor permits firearm sales, which is why the account has to be underwritten for them.
A PayKings firearms merchant account supports:
We do not currently support cryptocurrency payments.
Buy-now-pay-later services are a different matter. PayPal Pay in 4 falls under PayPal's Acceptable Use Policy, which prohibits firearm transactions, and Afterpay's published terms also list firearms as prohibited. Build your checkout around cards, digital wallets, and ACH instead.
On pricing: rates for a firearms merchant account depend on your transaction volume, payment methods, and overall risk profile. Firearms merchants may see different rates than standard retail because of compliance requirements, and we price each account to the business rather than publishing one rate card.
Start your application online and our underwriting team takes the file from there.
The difference
Built for the businesses other processors turn away.
FAQ
Everything you need to know about high-risk payment processing
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