Guns & Ammo
Processing for Dealers Who Follow the Law and Still Get Refused
You hold the licenses, run the background checks, and ship to FFLs — and popular processors still decline you on policy. We place firearms and ammunition merchants with banks that serve the category deliberately.
The Problem
Refused on policy, not on conduct
Most well-known processors prohibit firearms, ammunition, and parts outright, regardless of FFL status or how carefully a dealer complies with federal and state law. Dealers who board anyway under a vague business description get terminated when the risk team finds out, sometimes with funds held. A fully legal business ends up cycling through accounts it never should have needed.
What We Deliver
The working parts
01
Firearms-friendly acquirer placement
We maintain relationships with acquiring banks that accept FFL dealers and ammunition sellers as a matter of policy, in writing.
02
FFL and licensing file preparation
Your federal firearms license, state permits, and transfer procedures are packaged into an underwriting file that shows exactly how your business complies.
03
Online and in-store acceptance
Card-present processing for the counter and e-commerce processing for online orders shipped to FFLs, on the same relationship.
04
Accurate category coding
Your account is boarded under the correct merchant category from day one, so there is nothing mislabeled for a later review to terminate.
05
Continuity planning
Backup processing arrangements so a policy change at one institution doesn't take your revenue to zero.
Also in High-Risk Expertise
Send one statement. Get a straight answer.
We'll separate interchange from markup, show you what's negotiable, and put a recommendation in writing — whether or not you sign with us.
No exclusivity · No pressure · A written analysis either way