Low-risk Firearm and FFL Merchant Accounts
Payment processing in the firearms industry is anything but a straight shot – well, it's quite a conundrum. But not anymore! Host Merchant Services specializes in providing tailored merchant account solutions, so whether you own a gun shop, are an online firearms retailer, or an FFL dealer, we’ve got you covered with secure, reliable, and compliant payment processing.

Our Sights Are Set On Excellence

Low-Risk Firearm Processing
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Expert team focused on firearm merchants
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Multiple merchant account options
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Faster turnaround times
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Unbeatable rates
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Transparent pricing with no hidden fees
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Lifetime rates
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Five-star rated service
We Understand. We Deliver. We Drive Growth.
High Risk for Others, Low Risk for Host Merchant Services
Firearms businesses are often labeled high-risk due to strict regulations, high chargeback rates, and operational complexities. Federal, state, and local laws require extensive compliance, while high-ticket transactions increase fraud risks. Legal and logistical challenges further add to the perceived risk.
Host Merchant Services reduces this risk through industry expertise, tailored underwriting, and advanced fraud prevention. Our team stays current on regulations, ensuring compliance. A customized underwriting process evaluates each business’s financial health to mitigate risk early. Fraud detection and chargeback prevention tools protect high-value transactions, while ongoing monitoring keeps accounts secure and compliant over time.
Secure, Reliable, and Customized Solutions for Your Firearm Business
We specialize in providing firearms merchants with payment processing and merchant services. Our experienced team understands the complexities of securing merchant accounts for the firearms industry and has streamlined the process. With access to various boarding banks, we help our merchants secure the best rates with faster turnaround times. Get started today with the leading firearm merchant account solution with the promise of:
- Expert Firearm Payment Processing
Our dedicated team understands the unique challenges faced by firearm merchants. With years of experience, we ensure your business complies with all regulations while ensuring all transactions go smoothly.
- Fast and Hassle-Free Approvals
Time is money. Our efficient application process delivers rapid approvals, enabling you to start processing payments immediately—without any needless delays or repeated back-and-forth.
- Transparent Pricing with No Hidden Fees
We envision a clear partnership built on the foundation of transparency and honesty. Enjoy competitive rates with transparent pricing structures—no surprises, you pay what you see.
- Advanced Security Measures
Protecting your business and customers is our top priority. Our state-of-the-art security protocols safeguard against fraud, ensure compliance with industry standards like PCI DSS, and include data encryption, real-time fraud detection, and a secure payment gateway to protect sensitive information.
One Solution for the Entire Firearm Industry!
Host Merchant Services expands its services across different business types. So whether you are an FFL dealer, the owner of a shooting range, or offering self-defense training classes online, we have you covered!
● FFL Dealers
● Ammunition Merchant Accounts
● Concealed/Carry Permit Classes
● Firearm Accessories
● Firearms Manufacturers
● Shooting Ranges
● Gunsmith Services
● Gun Show Vendors
● Self-Defense Training Classes
● Weapons Parts and Components Dealers
● Airsoft and Paintball Gun Shops
● Survival and Tactical Equipment Sellers
● Security and Law Enforcement Supply Stores
● Archery Equipment Retailers
● Firearms Training and Certification Programs
● Military Surplus Stores
● Preppers and Survivalist Gear Sellers
● Tactical Gear Retailers
● Hunting Supply Stores
● Online Firearm Retailers
A Process So Simple That You Can Focus on Your Firearm Sales, Not the Paperwork
Getting started with your firearms merchant account at Host Merchant Services is straightforward when you have the right documentation prepared. Our streamlined process is designed to meet industry regulations and to ensure a quick and smooth application experience.
Step 1: Gather Essential Documentation
Before beginning your application, make sure you have the following documents on hand:
- Business license or articles of incorporation
- Proof of business registration and operation
- ATF Firearms Dealer License
- Any state-specific licenses or permits required for firearms sales
- Valid government-issued photo ID for all business owners or key stakeholders
- Recent bank statements or a voided check for account verification
- Financial statements and credit references that illustrate the stability of your business
Any additional regulatory or compliance documents that support your application (e.g., security protocols, fraud prevention measures)
Step 2: Complete and Submit Your Application
Fill out our secure online application form with detailed information about your business operations, including the nature of your firearms-related products and services. Attached are scanned copies of all the required documentation. Our secure system ensures your sensitive data is protected throughout the process.
Step 3: Application Review and Verification
Our dedicated risk management team reviews each application to ensure compliance with regulatory requirements. This process includes a detailed verification of your business credentials and financial health.
In some cases, additional information or documentation might be requested. We maintain open communication to address any questions promptly.
Step 4: Approval and Account Setup
Once your application is approved, you’ll receive your merchant account details and integration instructions, typically within 24-72 hours. With your account active, you can begin processing transactions securely, backed by our robust anti-fraud and chargeback solutions.
Comprehensive Payment Solutions Tailored to Your Needs
Whether you operate a brick-and-mortar gun shop, an online store, or offer firearm training services, we have the right payment processing solution.
- Retail Merchant Accounts
Equip your physical store with reliable point-of-sale systems that accept all major credit and debit cards, enhancing customer convenience.
- eCommerce Payment Gateways
Expand your online presence with our secure payment gateways, which are compatible with leading eCommerce platforms and ensure a smooth checkout experience for your customers.
- Mobile Payment Solutions
For businesses on the move, our mobile payment options allow you to accept payments at gun shows, training events, or any location, providing flexibility and convenience.
- Virtual Terminal Payments
Our virtual terminal solutions make it easy to process phone or mail orders. These solutions allow you to enter payment details directly into our secure system.
Why Choose Host Merchant Services For Your Firearms Merchant Account?
At Host Merchant Services, we recognize that payment processing for high-risk merchants requires specialized attention and expertise. We’re dedicated to supporting your firearms business with tailored solutions that keep your operations smooth, secure, and profitable. Here’s what you can expect when you partner with us:
- We work hard to secure some of the most affordable processing rates on the market, using interchange plus pricing models to ensure your business maintains optimal profitability.
- Our dedicated support team is available 24/7, ready to address your questions and provide practical solutions whenever needed.
- Our infrastructure is built to handle high-volume and high-ticket transactions, making us the ideal partner for businesses with significant processing needs.
- To help keep your costs low, we eliminate the burden of application, set-up, and annual fees.
- Understanding the importance of timely operations, we typically process your application and get you approved within 24-72 hours.
- Our PCI Level 1 certified payment gateway ensures that every transaction is secure, giving you peace of mind knowing that your data and funds are protected 24/7.
Partner with a Trusted Leader in Firearm Payment Processing
Host Merchant Services is committed to supporting the Second Amendment and the businesses that uphold it. We aim to provide firearm merchants with the tools and services needed to thrive in a competitive market.
Ready to enhance your payment processing experience? Contact us today to learn more about our firearm merchant account solutions and how we can support your business's growth.