Need Gun Friendly Credit Card Processors? WizoPay is Here to Help

Gun-Friendly Credit Card Processors for FFLs

As an FFL, you probably understand how confusing and frustrating it can be to find gun-friendly credit card processors. Running a business that is considered “high risk” isn’t a personal slight against your enterprise. It just means that you operate in an industry with the potential for a lot of chargebacks, fraud, and sales of age-restricted items. 

Due to the nature of the firearms industry, payment processors, like Square or PayPal, will turn their backs on FFL’s. However, there’s no need to feel hopeless: WizoPay has a solution for your firearms shop. We’re here to let you know that there are options available for your business, including reliable and affordable credit card processing.

Why is it More Difficult for Gun Dealers?

We’ve already mentioned the nature of the firearms industry and why it’s “high risk,” which is why you need a processor specializing in high-risk eCommerce credit card processing. But, there are other factors you have to consider regarding the difficulties of obtaining a gun dealer merchant account. 

For starters, while some companies shy away from the firearms industry, few companies will accept these kinds of businesses. However, merchant service companies use reasons like fraud and volume of chargebacks to justify “high-risk” businesses paying a heftier rate than typical merchants do. 

Another issue that firearm merchants face is managing internet sales. Selling over the internet is very different for gun dealers, considering that online firearm sales are considered riskier than in-person sales. Plus, you can’t ship guns the same way people order clothes online. While it’s legal in the United States to buy guns online, the consumer cannot obtain the firearm directly. Instead, an FFL-certified dealer receives the rifle, where the consumer can then receive their firearm. 

Gun dealers should also be careful about selling accessories in addition to firearms. It’s critical that you have a separate merchant account or processor for novelty or gift items, or else you risk the possibility of having your gun dealer merchant account closed. The reason being is that when you open a firearm merchant account, you’re only permitted to sell firearms and related items. Gun dealers have had their accounts closed in the past because they weren’t careful to follow guidelines.

Is it Legal to Get Refused by a Payment Processor?

In the long and short of it—yes, it is legal.

In some states, such as Georgia, there are laws regarding discrimination against firearms businesses, but the rules don’t necessarily apply to processing companies. Fortunately, there are plenty of gun-friendly credit card processors out there looking to help firearm shops like yours. We can assist you with your gun dealer merchant account and address any of your concerns along the way.

Finding the Right Gun-Friendly Credit Card Processor

Before you get started, you’ll need to research what credit card processors are available for firearms dealers. Once you’ve concluded all your findings, you’ll have a better understanding of which processors you can and cannot go through. Make sure to compare the different pricing options and stay on the lookout for no hidden fees.

Or, you could call us at WizoPay, and we’ll take care of everything for you!

Benefits of WizoPay’s Credit Card Processing for Firearms Dealers

When you work with WizoPay, you’ll get the best in credit card processing for your gun dealership. Here are some of the benefits you can expect from opening up a merchant account with us:

• Expertise – With over 25 years of experience, we specialize in working with gun dealer merchant account clients. 
• Fairness – We don’t treat FFL merchants as high risk because they’re a core part of our own business.
• Low-rates – We extend our philosophy of providing low rates to the firearms industry; you’ll never have to worry about being able to process payments for firearms and Class 3/Title II sales.

And, of course, we offer chargeback and fraud protection and so much more!

Ready to Get Started with a Gun-Friendly Credit Card Processor?

You can trust WizoPay to be your gun-friendly credit card processor. Contact us today to get set up with a gun dealer merchant account!