ZERO

FFL Merchant Processing

FFL MerchantProcessing

“Boost Your Profit Margins Instantly”

“Massive Savings With The Industry Lowest Rates”

FFL Holders

Brick – & – Mortars

Manufacturers

Distributors

Shooting Ranges

Firearms Instructors

Gunsmiths

Gun Brokers

“Superb Products & Services”

“The Surcharge Program”

“Two Pricing Options”

“Designed Specifically For FFL Businesses”

Business owners keep more of every sale by shifting rising credit‑card processing costs back to the customers.

This protects margins, avoids across‑the‑board price increases, and can meaningfully reduce operating expenses.

Offsetting processing costs, preserve margins, maintains competitive pricing, and lowers cost payment methods.

“ZERO”

FFL Merchants NEVER PAYS per-transaction credit card processing costs.

ZERO uses a dual pricing model.

Customers are shown both a cash price and a credit card price before making payment decisions.

“ZERO PLUS”

FFL Merchants ALWAYS PAYS per transaction credit card processing & Interchange Plus Pricing. This pricing is designed for businesses that prefer one price for every customer regardless of payment menthod.

FFL Merchants pays WHOLESALE interchange costs plus a clearly disclosed markup. Processing expenses are paid by the business and spread across all sales rather than being separated by payment type.

Both cash-paying and credit card-paying customers contribute to the overall cost of accepting cards because processing expenses are treated as a standard operating expense of doing business.

“MOBILE PAYMENT ACCEPTANCE”

Gun Shows, Events, Training Classes & Off-Site Sales.

Securely Accept Payments Virtually Anywhere & Anytime.

Creates Additional Opportunities To Grow Revenue.

“RECURRING BILLING”

Shooting Ranges

Membership Programs

Training Subscriptions

RECOVER 100% of your credit card fees.

COMPLIANT with state and card‑brand rules.

PROTECT your margins without raising prices.

The Surcharge Program is Fully Compliant with Federal and State Laws.

The DURBIN Amendment allows merchants the ability to implement such programs.

The United States has the Highest Interchange Rates.

Payment card networks (Visa, MasterCard, etc.)can charge what they want at any time.

Raising Prices Loses Customers.

Raising prices costs far more than implementing the surcharge program.

Avoid Junk Fees and All Other Miscellaneous Fees.

Junk fees is just one example that is charged by traditional credit card processor.

Offset Other Constantly Growing Costs of Doing Business.

From rising rent to inventory costs, the cost of doing business grows every year for merchants with no relief.

“FFL Licenses”

The Wrong Payment Processor Creates …

Unnecessary Risks

Interrupted Payments

Frozen Account Funds

Account Closures

Simple

Working with banking partners willing to support legally operating firearm-related businesses involved in:

  • Retail firearm sales
  • Ammunition sales
  • Accessories
  • GunBroker transactions
  • Shooting ranges
  • Firearms training
  • Gunsmithing services
  • Manufacturers
  • Distributors
  • Suppressors
  • Short-Barreled Rifles (SBRs)
  • Machine guns
  • Other legally regulated NFA and Class III products

Payment Solutions

Relationship Matters…

  • It isn’t the credit card terminal.
  • It isn’t the website gateway.
  • It isn’t the POS system.
  • It is the banking relationship behind the scenes.
  • They ensure consistent payment acceptance
  • They ensure faster approvals
  • They ensure reduced risk of account disruptions
  • They ensure better long-term stability
  • And they ensure support for business growth