Firearms and Ammunition Merchant Account




Firearms dealer in need of a Merchant Account?

If you sell guns or ammunition, you need a merchant services provider who's comfortable with the risk. At Zen Payments, we make it easy with an extensive network of providers, excellent approval ratings and years of industry experience. We know the challenges you're facing and will help guide you toward a solution that works for your business today and provides you with a springboard for future growth.

Your Firearms Merchant Account Solution

Get your firearm merchant account today. The online firearms industry is growing nationwide. 2020 yielded more firearm sales than any year in history, totaling almost 40 million dollars in sales. January is putting 2021 on track to crush that number as well.

With sales increasing at an alarming rate, there has never been a better time to start your firearms or ammunition merchant account. To handle the volume, you need a firearm merchant processing company with a proven track record of success within the industry. That's where Zen Payments comes in.

We have over 15 years of experience helping firearm vendor merchants secure processing for their business. We make sure our merchants can process payments consistently and that they’re always processing at the best rates possible. Let us take it from here and get you approved today!

Why Firearm Merchant Accounts Are High Risk

Firearms and ammunition are very highly regulated industries. They are also one of the few automatically deemed high-risk, regardless of business history, credit score or reputation. Being high risk creates roadblocks in securing payment processing services, whether you're selling products online or in a brick-and-mortar location.


Being labeled a high-risk merchant means companies like Stripe, Square, and Paypal will not be able to process payments for you. These providers can't service high-risk accounts. If you're using them and they find out, you will get your funds frozen due to the regulation the firearm industry has.

Have questions?

Why You Need High-Risk Payment Processing

Setting up firearms vendor merchant accounts with a high-risk merchant is essential if you want to process credit card transactions. Most industry providers will decline you as a client. If you're already working with one of these providers and they learn of your industry, they can terminate your account — effective immediately — leaving you without a way to do business.

Zen Payments Firearms Vendor Merchant Services

Here at Zen Payments, we take the time to ensure your site is ready to always be processing payments and selling products. Every firearm merchant we have undergoes a strict underwriting process to make sure the account stays live, and that funds are not frozen or kept.


We want to keep you in business, and we take every step necessary to ensure YOUR success. We offer you 24/7 support, chargeback reduction and protection programs, underwriting to prevent fraud and various payment gateways to ensure compatibility with your platform.


Offering merchant accounts to card-not-present firearms sellers is no small task! Unlike most processors, at Zen Payments, we have spent countless hours understanding the industry and, more importantly, understanding how to monitor merchant accounts closely so we can make sure your merchant account stays open. With us, you never have to worry about your merchant account getting closed strictly due to industry.


Most merchant processing companies stay away from the industry, while we welcome firearm and ammunition merchant accounts with open arms. With our experience in the industry, it is no wonder why we’re becoming the nation's go-to firearm merchant account provider. We’ll handle the processing, and you can rest assured that you’re in the right hands.

Open FFL Merchant Accounts

Your customers purchase firearms for protection, but you need to protect yourself as well. Firearm merchant accounts are high risk, so you need to take every precaution to ensure that you are always processing payments. To start selling firearms, the first thing you will need to do is acquire a Federal Firearms License, or FFL.


The Bureau of Alcohol, Tobacco, Firearms and Explosives (ATF) requires an FFL for any gun retailer. This is not required if you are simply selling ammunition or accessories, but it ensures that legally purchased firearms are sold with a background check to persons legally able to purchase that firearm. You can apply for an FFL online. Once you have obtained an FFL, we will get you approved to start taking cards today!

Create GunBroker Merchant Accounts

One of the most common places to sell firearms is Much like eBay, GunBroker is where individual sellers organize to sell firearms rather than a traditional online e-commerce store. However, GunBroker requires each seller to provide their own merchant account.


Zen Payments can develop your custom GunBroker payment gateway. We work with over a dozen providers. Our team will work to find hard to find different merchant accounts that work with GunBroker and help you compare to see which will provide your best payment gateway for the site.


We have been servicing individual merchants on GunBroker for years and have an excellent track record of keeping their processing alive. Save yourself time and money and choose Zen Payments when looking for your firearm and ammunition payment processing services.

Why Set up Firearms Merchant Account Services Through Zen Payments?

Having the right gun and ammunition payment processing services provider is essential if you want to give your business a strong foundation. With over 15 years of experience, we know this better than anyone. Our team will work hard to help you find the solutions you need with the added advantage of several valuable benefits:


  • High approval rates: We want to help you open a gun and ammo merchant account that works for your business. We'll work to help you find a provider even if you have low credit. We approve 98% of clients with a credit score of 500 or above.
  • An expansive financial network: We work with over 15 different banks and merchant services providers. We'll leverage this network to find companies willing to work with your business and provide you with options so you can select the best fit.
  • Same-day payment access: With our services, you can get access to the money you've made on the same day as the sale. You will have the liquid capital you need to do business and eliminate the time and energy you currently spend reconciling accounts.

Learn More About Our Firearms Vendor Merchant Account Services

If you sell firearms or ammunition, find your zen with expert gun vendor merchant account services and personalized care. At Zen Payments, we specialize in helping high-risk clients succeed in the modern marketplace. We'll help you get the payment processing capability you need through services that you can rely on to manage your money.


Ready to apply for a firearm merchant account? Let us know a little bit about your business using our contact form.

Find Your Zen

With over 15 years of experience, Zen Payments is your number one choice for setting up a firearms merchant account. Whether you own a retail store, an eCommerce business, or sell on, we have you covered! When you open your firearms merchant account, we will be here every step of the way to guide you through the process. We understand the risks inherent to the firearm market and are here to help our clients have the best experience possible.

Do You Sell Firearms?