Firearms Credit Card Processing

At Zenti, we understand that many payment processors are hesitant to work with firearm merchant accounts due to the industry’s strict regulations and political controversies surrounding firearms in general. We also know the challenges of payment processing in the firearms industry, so we have spent years building partnerships with gun-friendly credit card companies, processors, and banks that are friendly to FFL and firearms-related businesses. 

These partnerships allow us to support gun and ammo merchants with low prices, stable payment processing, and fair treatment. Unlike other payment processors that freeze payouts or unfairly close accounts, we are committed to providing our clients with the payment processing solutions they need to succeed.

If you’re looking for a payment processor that understands your unique needs as a firearms merchant, look no further than Zenti. Contact us today to learn more about our services and how we can help you take your business to the next level.

What types of businesses need firearms credit card processing?

Any business that sells firearms, ammunition, or related accessories will need a gun and ammo merchant account to accept credit card payments.  

As a payments processor specializing in firearm and ammunition merchant accounts, Zenti has helped numerous businesses with their payment processing needs. These include:

  • In-Person gun stores
  • Online gun merchants
  • Gun shows
  • Ammunition retailers
  • Shooting ranges
  • CCW Classes
  • Manufacturers
  • Distributors
  • Components and accessories
  • Military and Tactical Gear

What are the requirements for getting a firearms merchant account with Zenti?

To be eligible for a merchant account with Zenti, your business must meet the following criteria:

  • Your business must be located within the US, and the business owner must be a US citizen with a valid Social Security number.
  • You must provide the following documentation:
    • a voided business check or verified bank letter
    • a government-issued ID like your driver’s license
    • three months of previous business bank statements (or personal bank statements if your business is a startup). 
  • If you’ve previously had an account with another provider, we’ll also need:
    • three months of previous credit card processing statements
    • your previous processing history must not have reports of fraud or excessive chargebacks
  • If you sell firearms or all the parts necessary to assemble a firearm, you must have a valid FFL. This is required to ensure that your business complies with all applicable laws and regulations.

We’re committed to providing payment and merchant solutions specific to your needs as a gun and ammo merchant. If you meet the above requirements, we’d love to help you take your business to the next level. Contact us today to learn more about our services and how we can assist you.

Do I need an FFL to get a firearm merchant account?

Yes! A firearm dealer or manufacturer must have a Federal Firearms License (FFL) to get a merchant account. The FFL is a license issued by the Bureau of Alcohol, Tobacco, Firearms and Explosives (ATF) that allows individuals or businesses to sell firearms.  

However, if you’re only looking to sell ammunition, you’re not required to have your FFL to apply for a merchant account, but you still may be required to obtain your FFL to operate your business legally, depending on your state or local gun laws. 

Is my gun store considered a high-risk merchant?

The answer is an automatic yes if you operate an online gun store. Online gun and ammo merchants are high-risk due to the lack of face-to-face interaction with customers and the inherent risks associated with the firearms industry.

However, If you sell firearms and ammunition in person, our team of experts at Zenti may be able to qualify you for a low-risk merchant account, which can save you hundreds in fees! 

Whether high or low-risk, Zenti can offer you the best possible pricing for your merchant account. 

Can Zenti help me accept payments on sites like Gunbroker?

Yes! We have experience working with setting up payment gateways for online marketplaces that require you to have your own processor. A few of the most popular online marketplaces we work with are Gunbroker, GunsAmerica and Armslist. 

Does Zenti integrate with my current POS?

Gun stores and FFLs usually have a favorite POS software that they use to keep track of their sales. Luckily, Zenti works with and NMI, which means we can integrate merchant accounts with most POS systems. 

At Zenti, we have plenty of experience working with high-risk and low-risk gun and ammunition merchants. Our payment and business solutions are tailored to your specific needs as a firearm merchant, so you can focus on running your business. Contact us today to learn more about our services and how we can help your business

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We partnered with Zenti in 2017 and they've been there for us every time. Everything is super fast and I love how well they communicate with our staff. They really know their stuff, and we work in a very complex industry! My account executive knows our business inside and out.

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