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FFL Credit Card Processing
Retail Stores, GunBrokers, Manufacturers, Distributors, Shooting Ranges, Instructors, and Firearm Industry Businesses Seeking Reliable Payment Processing.
“Superb Product & Customer Service!”
Relief – Stop letting card fees eat into your profits
Control – Take back your margins with a compliant, automated solution
Fairness – Let customers choose how they want to pay – no surprises
Recover – Recover up to 100% of your credit card fees
Compliant – Stay fully compliant with 2026 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
Membership programs, range memberships, training subscriptions, and recurring services often benefit from automated recurring billing capabilities.
THE SURCHARGE PROGRAM
We offer two primary pricing options designed specifically for firearm-related businesses.
” ZERO ” – Under 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!
A 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 PLUS ” – Under ZERO PLUS the merchant pays per transaction credit card processing & Interchange Plus Pricing
ZERO PLUS is designed for businesses that prefer one price for every customer regardless of payment method.
With ZERO PLUS, 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.
The merchant pays wholesale interchange costs plus a clearly disclosed markup from ZERO Merchant Systems. Processing expenses are paid by the business and spread across all sales rather than being separated by payment type.
FFL Licenses
For Federal Firearms License holders, manufacturers, distributors, shooting ranges, firearms instructors, gunsmiths, Gun Broker sellers, and other firearm-related businesses, choosing the wrong payment processor can create 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