Best Merchant Accounts for Firearms Dealers (2023)

Gun Sellers Are Getting Blacklisted

The increasing popularity of mobile and online credit card processing solutions has led many firearms dealers to seek out these services for use at gun shows and in their online gun sales. Unfortunately for these merchants, nearly all of the leading mobile and online merchant account providers—including SquarePayPalIntuit GoPayment, and First Data—are now refusing to process online and mobile firearms transactions. This has resulted in numerous complaints among firearms dealers who have found sudden holds placed on large payments that were processed through entirely legal means.

Payment Processors that Support the 2nd Amendment

In response to requests for a list of gun-friendly credit card processors, we have created this breakdown of the top merchant account providers that allow gun dealers and gun shop owners to accept credit card payments for gun and ammunition sales. These providers can only process online firearms transactions between Federal Firearm License (FFL) gun vendors; in other words, they cannot enable merchants to sell guns directly to consumers over the internet. However, most of them can supply in-store credit card processing for direct consumer sales. It’s best to contact several providers to confirm what each company can and cannot support and to compare service offerings.

How to Select the Best Firearms Credit Card Processor

When selecting a credit card processor for a firearms business in the USA, there are several factors to consider. Here we have outlined some of the key considerations.

Industry Experience

Look for a credit card processor that has experience working with firearms businesses. They should be familiar with the unique challenges and regulations of the industry, such as age restrictions and background checks for customers.


Compliance is critical for firearms businesses. The credit card processor should be able to ensure that all transactions are in compliance with federal and state regulations, including the Brady Handgun Violence Prevention Act, the National Instant Criminal Background Check System (NICS), and the Gun Control Act of 1968.

Payment Types

The credit card processor should be able to accept all major credit and debit cards, as well as alternative payment methods such as Apple Pay, Google Pay, and PayPal. This will give customers more flexibility when it comes to paying for their purchases.

Chargeback Protection

Firearms businesses are at a higher risk of chargebacks due to the high value of their products. Look for a credit card processor that offers chargeback protection and has a dispute resolution process in place.


Firearms businesses deal with sensitive information, and it’s essential to work with a credit card processor that prioritizes security. They should offer encryption, tokenization, and other security features to protect customer data.


Finally, consider the cost of the credit card processor’s services. Look for a processor that offers transparent pricing with no hidden fees, and compare their rates with other processors to ensure you’re getting a competitive deal.

Overall, selecting the right credit card processor is critical for any firearms business in the USA. By considering these factors and doing your research, you can find a processor that meets your specific needs and helps you grow your business.

Top Picks for Merchant Services for Firearms Dealers

What is eMerchantBroker? is a Los Angeles, California-based company that offers high risk e-commerce processing solutions including firearm merchant accounts. The company’s products include ACH processing, an online payment gateway, merchant cash advance, and a chargeback management system to help merchants dispute and resolve chargeback claims. places an emphasis on providing credit card processing for gun sellers.

eMerchantBroker Reviews offers custom pricing for each merchant and maintains a low complaint rate relative to its size and merchant portfolio. Our review of eMerchantBroker gives the company an “A” rating overall and the BBB assigns the company a rating of “A+.”

For more information, see the eMerchantBroker website or call (877) 301-3442

eMerchant Broker Logo

eMerchant Broker

Quick Approval For Most Businesses

Domestic and International Processing

Highly Rated Customer Support

Sales & Support:

What is PaymentCloud?

Based in Woodland Hills, California, PaymentCloud is a merchant account provider that specializes in serving high risk business types. The company’s products and services include point-of-sale solutions, mobile phone swipers, an online payment gateway and virtual terminal, EMV-compatible terminals, and merchant cash advances. PaymentCloud is a good option for online firearm sales.

PaymentCloud Reviews

PaymentCloud provides a dedicated account rep to all new merchants for the life of the account. The company has not received any negative complaints on consumer forums, and it customizes its pricing according to each merchant’s business type and processing history. The BBB does not maintain a profile for PaymentCloud at this time, but CPO gives the company an “A.”

For more information, visit the PaymentCloud website or call (888) 506-7859.

PaymentCloud Logo


Fast Approval of Most Industries

Competitive Rates

No Cancellation Fees

Sales & Support:

What is Host Merchant Services?

Host Merchant Services is a Newark, Delaware-based merchant account provider that is capable of placing firearms vendors based in the U.S. The company’s products and services include point-of-sale solutions, online marketing tools, an online payment gateway and virtual terminal, mobile credit card processing, gift and loyalty programs, merchant cash advance, and offshore merchant accounts. Host Merchant Services specializes in e-commerce businesses and provides a free website and email address to interested merchants.

Host Merchant Services Reviews

Host Merchant Services has received only positive feedback on public forums, with most reviewers singling out the company’s customer service for praise. Host offers interchange-plus pricing with no early termination fees to all of its merchants, meaning that users will enjoy the most transparent pricing model and can cancel service without penalty. The BBB gives Host an “A+” rating, and CPO also gives the company an “A+.”

For more information, visit the Host Merchant Services website or call (888) 727-4538.

Additional Options

The options below are presented for a broader view of the industry and may not meet the same criteria for our choices above.

What is National Processing?

National Processing provides both traditional credit card processing and offshore payment processing for online gun dealers. The company, which was founded in 2007 and is based in Lindon, Utah, provides credit and debit payments, payment gateways, e-commerce solutions, and eCheck processing services to card-present and card-not-present merchants. National Processing can provide credit card processing solutions for physical locations and can also process online payments between FFL-licensed dealers.

National Processing Reviews

National Processing consistently receives positive reviews regarding its sales and support staff and is currently showing zero recent complaints on the usual consumer protection websites. Our review of National Processing awards the company an “A+” rating at this time and the BBB is currently granting National Processing an “A+” grade.

For more information, see the National Processing website or call (385) 777-1235.

national processing logo

National Processing

Best Option For Clover POS

Competitive Rates & Fees

Highly Rated Customer Service

Sales & Support:

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2 Responses

  • Scott Stanley

    I signed up for Swipe Simple after finding out that Square was not a good solution. The salesman flat out lied about the fees i would be charged. I am now using your information to try and find a valid provider that I can afford. Thank you.

    • Doug

      I sell Scopes lasers accessories for gunsi have had two different accounts deactivated. And waiting on to get about 900.00 that was processed before I closed the account on their mishandling. Sum up don’t try them


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Phillip Parker
Phillip Parker
Credit Card Processing
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