Best Merchant Accounts for Firearms Dealers

Best Merchant Accounts for Firearms Dealers

Firearms dealers are a unique type of business and have specific needs when it comes to accepting payments. Firearms dealers must choose a merchant account that offers them a secure and reliable payment processing solution. This article will outline the best merchant accounts for firearms dealers and what to look for when choosing a payment processor.

Best Merchant Accounts for Firearms Dealers

Host Merchant Services

HMS is a leading provider of merchant accounts based in Newark, Delaware, catering to firearms vendors in the United States. They offer various products and services, including POS solutions, online marketing tools, gift and loyalty programs, a virtual terminal and an online payment gateway, mobile credit card processing, offshore merchant accounts, and merchant cash advance. Specializing in e-commerce businesses, the company also provides interested merchants with a complimentary website and email address.

They have received glowing reviews on public forums, with many reviewers praising their exceptional customer service. HMS offers an interchange-plus pricing model without early termination fees, ensuring that merchants receive the most transparent pricing and the flexibility to cancel services without penalty.

Payment Cloud

Payment Cloud, located in Woodland Hills, California, is a premier merchant account provider that caters to high-risk businesses. They offer a variety of products and services, including mobile phone swipers, point-of-sale solutions, a virtual terminal, an online payment gateway, merchant cash advances, and EMV-compatible terminals. PaymentCloud is an excellent choice for those involved in online firearm sales.

One of the unique features of PaymentCloud is that they assign a dedicated account representative to all the new merchants for the duration of their accounts. The company has an exemplary reputation with no negative feedback on consumer forums, and they tailor their pricing to each merchant’s specific processing history and business type.

National Processing

National Processing, established in 2007, offers online gun dealers a wide range of payment processing options with its headquarters in Lindon, Utah. The company provides its customers with traditional credit cards and offshore payment processing services.

They offer debit and credit payments, payment gateways, eCheck processing services, and e-commerce solutions for both card-not-present and card-present merchants. Whether for physical locations or online payments between Federal Firearms Listings licensed dealers, National Processing has the expertise to provide tailored credit card processing solutions.

National Processing has a solid reputation in the industry, consistently receiving positive feedback for its support staff and sales. Additionally, there are no recent complaints about the company on consumer protection websites.

eMerchant Broker, based in Los Angeles, California, specializes in providing high-risk e-commerce solutions with a specific focus on firearm merchant accounts. Their comprehensive range of products includes merchant cash advances, an online payment gateway, ACH processing, and a chargeback management platform to assist merchants in disputing and resolving chargeback claims. strongly emphasizes meeting the unique needs of credit card processing for gun sellers. is known for its flexible pricing options, tailoring them to the specific needs of each merchant. They have a solid reputation and a low complaint rate compared to their size and merchant portfolio.

What to Consider When Choosing a Merchant Account for Salesforce

merchant accounts for firearm dealers

Payment processing

The ability to process payments quickly and efficiently is crucial for any business, especially for firearms dealers. When evaluating merchant accounts, looking for one that offers fast and reliable payment processing is essential. This will help ensure that transactions are processed smoothly, reducing the risk of delays or errors that could lead to customer dissatisfaction.

A merchant account that offers a variety of payment options, such as credit and debit cards, e-checks, and mobile payments, is also a plus, as it will provide customers with more flexibility and convenience.

Fees and rates

Merchant account providers typically charge fees and rates for their services. It is essential to compare the fees and rates of different providers to find the best deal. Consider any additional costs, such as chargebacks or monthly fees. This will help you see the total cost of using the merchant account. It’s crucial to understand what the fees are for, such as the interchange rates, which are set by the card brands and are beyond the control of the merchant account providers.

Compliance with firearms industry regulations

The firearms industry is heavily regulated, so it is important to choose a merchant account provider familiar with the laws and regulations that apply to this industry. This will help ensure that your business operates legally and complies with all relevant rules.

A merchant account provider that has experience working with firearms dealers will be able to provide guidance and support to help you navigate the complex regulatory landscape. This will not only ensure compliance but also help reduce the risk of fines or penalties.

Security and fraud prevention

Security is a significant concern for any business, especially for firearms dealers. Look for a merchant account that offers advanced fraud prevention and security measures to protect your business and customers.

This includes features like tokenization, encryption, and fraud detection algorithms to help prevent unauthorized transactions. It is also important to ensure that the merchant account provider is PCI compliant, which is a set of security standards established by the Payment Card Industry to protect sensitive customer data.

A merchant account provider that offers robust security measures will help to protect your business from fraud and data breaches, which can have severe financial and reputational consequences.


Choosing the correct merchant account for a firearms dealer is crucial for the success of your business. It is essential to consider factors such as payment processing, fees and rates, compliance with firearms industry regulations, and security and fraud prevention.

By evaluating different merchant account providers and comparing their services and costs, you can find a merchant account that meets your specific needs and helps you grow your business. Remember to look for a merchant account provider with experience working with firearms dealers who offers a variety of payment options and has robust security measures in place to protect your business and customers.

With the proper merchant account, you can ensure smooth and efficient payment processing, compliance with regulations, and protection from fraud and data breaches, allowing you to focus on growing your firearms business.

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