Firearm Merchant Account for Gun Businesses

Jun 29, 2018

Are you a gun dealer? If yes, you should be well aware that you’re going to face significantly more challenges than other businesses. These challenges will become more vivid when you try to get approved for a firearm merchant account so to take credit cards for firearms.

Challenges of the Firearm Industry

The gun and ammunition manufacturing industry accounts for billions of dollars in the US. Like all other businesses in today’s competitive marketplace, firearms retailers’ success depends on the ability to take debit/card payments and accept the credit of paying customers.

It’s becoming more and more challenging for online firearm dealers to get approved for a merchant account. What’s the reason? Well, there’re strict federal regulations that keep the sale and servicing of firearms under control.

On the other hand, traditional banks and other financial institutions aren’t willing to work with risky businesses. So, when you, as a firearm merchant, come in and ask for gun and ammo merchant services, the unnecessary risks are the first thing that appears in their minds.

So, even if online firearm sales businesses are undoubtedly lucrative, it’s difficult to find a traditional financial institution that’s ready to work with this type of businesses. The firearm industry’s background and history, high chargeback ratios, and potential legal issues make banks and even many processors shy away from firearm merchants.

Firearm Sale in the US

Currently, in the US, the sale of firearms for hunting and home defense accounts for unprecedented records. The firearm and ammo businesses are on the rise. Lots of individuals are trying to find a way to get involved in the industry.

If you’re among these individuals, you should be well aware that you won’t be able to increase revenue if you can’t accept credit/debit card transactions. Beyond that, you won’t be able to provide convenient services to your customers.

That’s where an experienced and reliable credit card processing company like steps in. EMB is voted the nation’s #1 high risk payment processor and offers a firearm merchant account at the lowest possible rates in the industry. never offers merchant services without talking to merchants and knowing their pain points and challenges.

So, with a reputable merchant services provider like, you can obtain a gun and ammo merchant account without difficulty. EMB enables gun and ammo vendors to accept credit card payments at their shop and just on the go.

Getting a Firearm Merchant Account From EMB

eCommerce businesses strictly rely on the ability to accept credit card payments. Since traditional banks aren’t willing to give them approval for a high risk merchant account, businesses should look for a helping hand that’s ready to work with them.

If you’re a firearm merchant and need to responsibly accept and process payments, will help you with this. EMB specializes in providing high risk merchant accounts for online firearm sales businesses. In fact, offers payment processing solutions geared to both new and established business needs, regardless of their size.

What will require you to submit? Well, together with your application and a secure, operational website, you must also provide the below-mentioned items to processors and underwriters:

  • A valid, government-issued ID like your driver’s license or passport
  • A bank letter or a pre-printed voided check
  • 3 months of the most recent bank statements
  • 3 months of the most recent processing statements if they exist
  • An SSN (Social Security Number) or EIN (Employer Identification Number)
  • Chargeback ratios under 2%

The future of online firearm sales will not be the same. New obstacles will appear for your business as it grows into the digital world. As for processing online and mobile firearm credit card sales outside of your retail location, widespread solutions like Square and PayPal are already refusing to provide service.

So, instead of falling behind because of a payment company that refuses to help you grow, go with a reliable payment processor that offers the best payment processing services. has custom solutions for firearm merchant accounts to fit your business needs.

Let us help you get a high risk merchant account today!

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Having a merchant account allows an account holder to take advantage of merchant cash advances. When a merchant is approved for an advance, the business agrees to receive a lump sum of cash in exchange for an agreed-upon percentage of future credit card sales.

Pricing varies depending on the merchant’s industry, past credit card processing history, the type of business seeking the account, average ticket sales, and average transaction volumes.

Yes, EMB works with merchants who are building their credit, as well as those who have poor credit. EMB also approves merchants that have no credit card processing history and businesses that have lost their merchant accounts due to high chargebacks.

Several factors influence a merchant’s risk level. Though only one factor likely will not get a merchant classified as high risk, a combination of these may: business size, location, and industry, credit score, credit card processing history, a industry’s reputation for excessive chargebacks, a prior history of high chargeback ratios, and whether a merchant exclusively sells online.

Virtual terminals are stationed on a merchant’s website, making it easy for customers to make a payment or purchase online. Merchants or a payment processor can easily set up virtual terminals, so online businesses can accept credit and debit card and e-check transactions.

A merchant account is a business account with an acquiring bank. Without this business account, which actually works more like a line of credit, a merchant cannot accept and process credit and debit card transactions. Businesses need a merchant account to accept major credit cards via a static point-of-sale terminal, mobile card reader, or through a virtual payment gateway.

After filling out EMB’s simple online application and submitting any necessary, requested documents, many merchants get approved within 24 and 48 hours.

EMB specializes in working with high-risk merchants. EMB works with many merchants, including but not limited to businesses in these industries: gambling and gaming, adult entertainment, nutraceuticals, vaping and e-cigarettes, electronics, tech support, travel, high-end furniture, weight loss programs, calling cards, e-books and software, and telecommunications.

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