ZERO

FFL Merchant Processing

FFL MerchantProcessing

“Boost Your Profit Margins Instantly”

“Massive Savings With The Industry Lowest Rates”

Federal Firearms License Holders

Brick – & – Mortar

Manufacturers

Distributors

Shooting Ranges

Firearms Instructors

Gunsmiths

Gun Brokers

Other Firearm-Related Businesses

“Superb Products & Customer Service”

CONTROL – Take back your margins with a compliant, automated solution

RECOVER – Recover up to 100% of your credit card fees

COMPLIANT – Stay fully compliant with state and card‑brand rules

PROTECT – Protect your margins without raising your base prices

MOBILE PAYMENT ACCEPTANCE – Gun shows, events, training classes, and off-site sales often require mobile payment capabilities.

The ability to securely accept payments from virtually anywhere creates additional opportunities to grow revenue.

RECURRING BILLING – Range & membership programs, training subscriptions, and recurring services often benefit from automated recurring billing.

THE SURCHARGE PROGRAM

“We offer two primary pricing options designed specifically for firearm-related businesses”

The Surcharge Program helps business owners keep more of every sale by shifting rising credit‑card processing costs back to the customers who choose the more expensive payment method. This protects margins, avoids across‑the‑board price increases, and can meaningfully reduce operating expenses. The core advantages are well‑documented: offsetting processing costs, preserving margins, maintaining competitive pricing, and encouraging lower‑cost payment methods.

ZERO

The merchant does not pay 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 a payment decision!

ZERO PLUS

The merchant 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.

The merchant 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.

FFL Licenses

The Wrong Payment Processor Creates

Unnecessary Risk, Interrupted Payment Acceptance, Frozen Funds, or 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