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Get Started with a Firearms Merchant Account

A firearms merchant account should be reliable, compliant, and simple for staff and customers. Payment Nerds delivers firearm-friendly credit card processing for retail stores, ranges, web orders, and phone payments. Keep approvals strong, reduce disputes, and connect transactions to your inventory and compliance workflows without adding steps.

Challenges in Payment Solutions for Bars & Restaurants

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Simplify Your Firearm Payment Processing

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Firearms Payment Processing Solutions

Gun retailers, ranges, and manufacturers work under higher scrutiny. Payment needs to support age verification, restricted items, layaway or deposits, and shipments that require FFL transfer. Your setup should keep lines moving, protect your ratios, and post sales to the right items with clear audit trails.
High-Risk Compliance-Focused Payment Processing
Underwriting that understands firearm payment processing, deposits, range fees, accessories, and online orders, with competitive pricing and clear limits. Prompt for ID checks at POS, capture policy acknowledgments, apply item-level tax rules, and support processes that align with your FFL requirements.
PCI-compliant gateways, encryption, tokenization, AVS, and 3D Secure online, as well as signature or adult delivery options for higher value shipments. U.S.-based support for account reviews, disputes, and integration questions, with fast responses during peak periods and weekends.

Retail Merchant Accounts for in-store transactions with POS systems or standalone terminals. eCommerce Merchant Accounts support online firearm and accessory sales with payment gateways. MOTO (Mail Order/Telephone Order) Accounts for over-the-phone payments. Mobile Merchant Accounts serve gun shows, trade events, and mobile sales, providing flexibility.

How Payment Nerds Enhances Payment Processing for Gun Retailers

We specialize in firearms payment processing, unlike general providers that restrict items or freeze funds without warning. Payment Nerds underwrites your business type, including range memberships, gunsmith services, and accessories, so pricing is competitive and funding is predictable. You will know your limits, review thresholds, and deposit timelines in writing.

Checkout should never slow the counter. Accept cards and mobile wallets in store, use handhelds for range lanes and events, and offer hosted checkout or pay by link for deposits and special orders. For web sales, we enable AVS and 3D Secure, which improves outcomes, and we build easy evidence packets from receipts, policy agreements, and delivery confirmation to protect against friendly fraud.

Your operation stays organized. Sales post to the correct items, taxes and fees apply by category, and deposits, refunds, and chargebacks sync to accounting. If you sell online and transfer through an FFL, your payment records can attach to the order so staff have context when the customer arrives. Managers get accurate numbers, staff close faster, and customers enjoy a consistent experience.

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Firearm Businesses We Serve

Retail Stores & Manufacturers

Card present checkout, online accessories, deposits for special orders, and payment processing for firearms-friendly catalogs.

Recreational & Service Shops

Ranges, rentals, classes, and gunsmith services with memberships, add-ons, and quick lane checkout.

Mobile Vendors

Events and shows with handheld acceptance, inventory sync, and simple receipts for transfers handled by partner FFLs.

Integrations

Integrations with Leading Bar POS Systems

Seamlessly connect your existing bar point-of-sale systems without any interruptions or retraining. Our solution operates in the background, ensuring your team continues serving customers without downtime or a steep learning curve.

Connect payment processing for firearms to the platforms you already use so staff have fewer steps and your records stay accurate.

  • POS and retail systems: Make checkout easy for you and your customers with Clover, Lightspeed, and Square integration in the store and on your website.
  • Firearm-friendly eCommerce and retail platforms: Add Coreware, Celerant, Gearfire, AmmoReady, and WooCommerce for integrations that support the firearm business.
  • Age verification and delivery controls: Keep compliance up-to-date with integrations that add supported ID tools and adult signature for higher value shipments.
  • Membership and CRM: Retain your customers with more options like range memberships and customer profiles through compatible POS or CRM tools.
  • Accounting: Make your back-office workflow simple with QuickBooks, Xero, or Sage for integrations that make sure deposits, fees, and chargebacks are grouped correctly.
  • Wallets and readers: Accept payment from mobile wallets like Apple Pay and Google Pay from compatible countertop and mobile devices.

In the firearms industry, reliability and compliance come first. Payment Nerds integrates smoothly with your existing POS and inventory systems, helping you stay fully compliant while keeping every transaction secure and uninterrupted.

Seamless Integrations

Don’t see yours? We likely support it — ask us.
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How Payment Nerds Powers Your Bar POS

With Payment Nerds, your bar POS fits in with how you already operate. Quick tabs, easy tip adjustments, and table and counter service all on one screen. Connect your front-of-house staff to back-office inventory, sales and customer data. Your merchant account is tailored to your volume and risk profile, and a support team for fraud and chargebacks is always ready to help.

Three Features Every Bar POS Needs

Fast Tabs & Tip Workflows

Open and close tabs in seconds, pre-authorize cards without holding up lines, and settle tips post-shift. Add auto-gratuity if necessary and eliminate “missing tip” nightmares for an easy end-of-night close.

Table, Counter & Handheld Service Modes

Manage cocktail service, bar counters, and patio handhelds all from the same system. Split checks, fire by seat, and take tap-to-pay on handhelds to reduce wait times compared to swipe or insert-only devices.

Reliability & Chargeback Controls

Continue to serve during unstable Wi-Fi with offline transaction capabilities. Add risk scoring, AVS/3DS, velocity verifications, and chargeback notifications. Easy dispute workflows with auto-generated evidence from receipts and a chargeback win-rate above industry standard.

Integrations with Leading Bar POS Systems

Seamlessly connect your existing bar point-of-sale systems without any interruptions or retraining. Our solution operates in the background, ensuring your team continues serving customers without downtime or a steep learning curve. Integrate with other third-party applications for:
  • Online Ordering & Delivery Platforms: Easily manage online ordering, payment processing, inventory, and menu availability from apps like Uber Eats, DoorDash, and GrubHub in one convenient dashboard.
  • Reservations & Booking Systems: Track and organize bookings from reservation apps like OpenTable, Resy, and Yelp Reservations. Include tips from reservations for straightforward reconciliation and minimize no-shows with integrated tools.
  • Loyalty & Rewards Programs: Boost retention by monitoring customer spending, rewarding loyal guests, encouraging repeat visits, and managing all loyalty data through integrated CRM tools like Salesforce and HubSpot.
  • Mobile Payments: Expand payment options by accepting secure transactions on outdoor patios, at food trucks, and during pop-up events with seamless integration of Apple Pay and Google Pay mobile wallets.
  • Accounting Software: Simplify your finances by generating invoices, reconciling accounts, and syncing transaction data automatically from leading accounting platforms such as QuickBooks, Sage, and Xero.
In today’s fast-paced business environment, adding new tools can be challenging. Payment Nerds is designed to work with your current software, letting you focus on delivering exceptional food, drinks, and customer service.

What Clients Say

Discover how our seamless solutions have transformed businesses just like yours.

Ready to secure your firearms transactions?

Contact Payment Nerds today to learn more about our tailored payment solutions for guns and firearms dealers.

Firearms Merchant Account & Payment Processing FAQs

Why do firearm businesses pay higher fees?
Card brand rules, product restrictions, and dispute risk lead many banks to classify this category as high risk. We assess your situation to ensure that pricing and funding remain consistent.
We set clear limits and review thresholds up front. If volume spikes or product mix changes, our team helps you submit documents so funding stays on track.
Yes, our goal is to remain a gun-friendly payment processor. We still follow card brand and banking rules. If policies change, we provide guidance and alternatives so you can keep taking payments with your firearms merchant account.
Future-dated shipments, online orders, and adult-restricted items increase scrutiny. Clear policies, ID prompts, AVS and 3D Secure, and clean descriptors reduce exposure.
Confirm written pricing, reserve and funding terms, dispute support, and experience with firearms payment processing. Ask about processor lock-in on your POS and whether your web store is acceptable-use compliant.
Retail stores, ranges, manufacturers, gunsmiths, and event vendors that require gun-friendly payment processing for counter, web, and phone transactions.

Still have a question?

Contact us today for personalized assistance—our team is here to help with anything you need!

Secure, Compliant Payments for Your Firearms Business

Get a firearm merchant account and start accepting payments instantly. We can create a custom package tailored to your business and seamlessly integrate it with your existing website.

Join the Team

Payment Nerds is here to serve you! With a real person waiting to take your call or answer your email, you only need to let us know how we can help.

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