Gun Merchant Account Processing and Payment Gateway for Your Business
SUPPORTING HIGH-RISK MERCHANTS
Payment Solutions for the Firearm Industry
Gun and ammunition is a profitable industry, with 43% of Americans living in households with firearms. However, securing a reliable gun merchant account can be challenging, as most payment processors classify firearm businesses as high-risk and refuse to work with gun dealers. This limits the number of payment options available to online customers and can negatively impact your bottom line.
However, High Risk Pay is a trusted provider of gun merchant accounts, helping firearm businesses secure reliable payment processing solutions. As a payment processor, we are committed to providing high-risk merchants with the support they need to operate their business efficiently. We will work with you to set up a merchant account even when other providers refuse, all while still offering you great pricing. Contact us today to get your account set up!
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Why choose High
Risk Pay as your merchant
services provider ?
SPECIALIZED IN HIGH RISK
We offer high risk merchant accounts to all business types in high risk categories.
99% APPROVAL
We offer high risk merchant accounts to all business types in high risk categories.
FAST APPROVAL GUARANTEED
We offer high risk merchant accounts to all business types in high risk categories.
GET STARTED TODAY
Benefits of a Gun Merchant Account with High Risk Pay
Unbeatable Service
We have partnered with leading gun-friendly credit card processors in the United States to ensure reliable service with no interruptions, payout freezes, or payment-related issues that could impact your business.
High Risk Pay understands the unique challenges firearm merchants face when securing payment processing. Many providers refuse to work with gun-related businesses due to regulatory concerns, chargeback risks, and industry restrictions. We specialize in firearm merchant accounts, ensuring your business receives the support it needs to operate smoothly.
Competitive Pricing and High-Volume Processing
Most high-risk merchants in industries like firearms and ammunition face excessive payment fees. However, our long-standing experience in the industry allows us to offer competitive pricing, helping you keep costs low and pass savings on to your customers.
Firearm sales often involve high-ticket transactions, with average gun prices ranging from $800 to $1,400. Many payment processors classify these sales as high-risk due to their value. Our system is optimized for high-volume gun transactions, ensuring smooth payment processing for large orders.
Comprehensive Fraud and Chargeback Protection
Firearm businesses are at a higher risk of credit card fraud and chargebacks due to the nature of the industry. Illegal purchases, fraudulent credit card use, and customers disputing high-ticket transactions contribute to these risks.
At High Risk Pay, we provide firearm merchant accounts with built-in fraud protection and chargeback prevention systems. These safeguards help reduce potential losses and ensure smoother transactions.
Multiple Gun Merchant Account Processing Options
We support a wide range of firearm-related businesses, including:
- Retail firearm stores
- Online gun merchants, including e-commerce and mobile apps
- Ammunition and accessory dealers
- Firearm distributors and resellers
- Manufacturers and licensed firearm vendors
Regardless of your business model, we help you navigate the legal complexities and secure a stable payment processing solution.
Simplified Application and Compliance Support
Many payment providers require extensive documentation, high fees, or refuse to work with firearm businesses altogether. We make the application process simple, with no setup fees, no long-term contracts, and a 99% approval rate.
Legal compliance is a key concern for firearm merchants, as gun sales require a Federal Firearms License (FFL) and adherence to state-specific laws. Our team understands these challenges and ensures your payment processing solution aligns with federal and state regulations.
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High-Risk Merchants We Serve
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Flexible Gun Merchant Account Payment Solutions
At High Risk Pay, we understand that firearm businesses operate across various sales channels, each requiring a tailored approach to payment processing. That’s why we offer flexible gun merchant account solutions designed to meet your business’s unique needs while ensuring security, compliance, and seamless transactions.
Payment Processing Solutions Designed for Firearm Businesses
Our firearm merchant account services support a variety of payment methods, ensuring efficient and secure transactions across multiple platforms:
- Retail Firearm Payment Processing – Secure payment solutions for gun shops, sporting goods stores, and FFL dealers.
- E-Commerce & Online Firearm Sales – Reliable payment gateways for FFL-to-FFL firearm transfers, ammunition, and accessories.
- Mobile & In-Store Payment Integration – Accept payments via mobile POS systems or contactless transactions.
- Virtual Terminals – Ideal for phone orders, concealed carry class payments, and custom firearm orders.
No matter your business model, High Risk Pay ensures you have a secure, flexible, and fully compliant way to accept payments.
Seamless Integration & Customization
Our firearm merchant account solutions integrate with:
- FFL-compliant e-commerce platforms (GunBroker, WooCommerce, Shopify).
- Retail POS systems tailored for firearm sales.
- Membership and training platforms (concealed carry courses, gun clubs).
- Recurring billing systems for ammunition subscription services.
High-Risk Underwriting & Fraud Prevention
Many traditional payment processors decline firearm businesses due to regulatory concerns and perceived risks. With High Risk Pay, you benefit from:
- Custom underwriting solutions for fast approvals and secure compliance.
- Chargeback and fraud prevention tools to protect firearm merchants from financial loss.
- A dedicated account manager to assist with integration, regulatory compliance, and risk management.
With High Risk Pay’s flexible gun merchant account solutions, you get the security, reliability, and customization needed to operate legally and efficiently in the firearms industry.
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Privacy Information: Your contact information will not be used for anything except contacting you regarding the question or comment you have.
Firearm Industry Frequently Asked Questions
Why are firearm merchants and businesses considered high risk by payment processors?
Firearm businesses are classified as high risk due to strict regulations, chargeback risks, and fraud concerns. Many traditional payment processors avoid working with firearm merchants due to legal complexities and increased scrutiny from financial institutions. High Risk Pay specializes in providing secure, compliant gun merchant accounts to help businesses operate without payment disruptions.
Can I use PayPal, Square, or Stripe to process firearm sales?
No, PayPal, Square, and Stripe do not support firearm transactions due to their low-risk business model. These platforms often suspend or terminate accounts processing firearm-related sales. To ensure long-term stability, a dedicated firearm merchant account from High Risk Pay is the best solution for secure and compliant payment processing.
What types of firearm businesses qualify for a gun merchant account?
High Risk Pay supports a wide range of firearm-related businesses, including FFL dealers, gun shops, online firearm retailers, ammunition sellers, and firearm training courses. We also provide payment processing for concealed carry permit classes, tactical supply stores, military surplus businesses, and ammunition subscription services. If you operate in the firearms industry and need secure payment processing, High Risk Pay offers a 99% approval rate to help you get approved quickly.