Firearms Processing

What Firearms Processing does

Firearms Processing (legal name: Firearms Processing; doing business as Firearms Merchant Service and Firearms Merchant Services Processing) is a privately held U.S. merchant-services provider headquartered at 14 N. Scottsdale Rd., Suite 203, Scottsdale, Arizona, with 11–50 employees and national U.S. coverage. The company specializes in credit card and payment processing for the firearms industry — an underserved vertical in which mainstream processors (First Data, PayPal, Square, Stripe) have historically declined, terminated, or refused to onboard merchants. Its customer base spans firearms and gun dealers, ammunition wholesalers and distributors, hunting and survival-gear retailers, online ammunition suppliers, gun-show and trade-show vendors, and previously denied or de-platformed high-risk businesses.

The core offering is a high-risk merchant account service that supports in-person card-swipe, mobile swipe on iPhone and Android, mail order / telephone order (MOTO), and e-commerce transactions through integrations with Authorize.net, NMI, and USAEpay. The platform accepts Visa, MasterCard, American Express, Discover, Diner's Club, Wright Express Fleet Card, Voyager Fleet Card, and JCB, and exposes browser-based merchant dashboards with real-time transaction summaries and batch detail reporting. Around this core, the company has built a multi-product SMB services bundle: free credit-card terminals with inventory and loyalty modules, a cash-advance program ($10,000–$1,000,000), gift and loyalty card packages, merchant fraud and chargeback protection, and an all-in-one mobile/social media marketing platform.

Revenue is generated primarily through transaction fees on processed card volume, with pricing quoted per-merchant rather than published. Customer acquisition is sales-led via Account Executives, an online application form, and 24/7 toll-free phone support (866-855-6732). Marketing differentiation centers on a pro-2nd-Amendment stance, no startup fees, a free terminal program, and a $500 written guarantee if the company cannot undercut a merchant's existing processing cost — converting competitor exits into a primary acquisition funnel. No management team, ownership, funding, or financial disclosures are present in the available source material, and there are no disclosed patents, certifications, partnerships, or named customer logos.

Name

Firearms Processing

Legal name

Firearms Processing

Website

https://firearmsmerchantservice.com

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

Firearms Processing is a Scottsdale, Arizona-based merchant-services provider that delivers credit card processing, high-risk merchant accounts, mobile/MOTO/e-commerce payments, cash advances, and gift/loyalty programs exclusively to firearms dealers, gun shops, ammunition wholesalers, and related high-risk merchants across the United States.

Ownership category

akta.pro rank

Product category

Payment Processing Services

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)

akta.pro primary industry

Merchant Acquiring & Card Processing (PSPs) (CRAFALAB)

Keywords

• High risk merchant services
• Credit card processing
• Firearms payment processing
• Merchant account services
• Card not present processing

Headquarters

HQ city

Scottsdale

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure, Supply Chain

Revenue model

1. Transaction Fee Processing: Merchant account services charging transaction fees for credit card processing, including Visa, MasterCard, American Express, Discover, Diner's Club, Wright Express Fleet Card, Voyager Fleet Card, and JCB
2. Cash Advance Program: Cash advances to merchants ranging from $10,000 to $1,000,000 with one of the highest approval rates in the industry
3. Gift and Loyalty Cards: Sale of gift card packages including predesigned and custom cards with online tracking and reporting tools, plus loyalty and rewards programs
4. Mobile and Social Media Marketing Services: All-in-one marketing platform integrating mobile text, voice broadcasting, social media, email and instant messaging

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

Firearms Processing is a dedicated merchant services provider that sets up and supports high-risk merchant accounts for firearms, gun, rifle, weapons, and ammunition businesses nationwide. It enables in-person card swipe, mobile swipe (iPhone/Android), mail order/telephone order (MOTO) card-not-present transactions, and e-commerce payment processing across all major card networks. The company also bundles value-added services including cash advances, gift and loyalty cards, free POS terminals, merchant fraud/chargeback protection, and mobile/social marketing tools.

Product overview

Firearms Processing is a dedicated payment processing service provider for the firearms industry. The company operates as a single integrated platform offering core credit card processing services combined with high risk merchant account solutions, supplemented by additional modules including free POS terminals, cash advance programs, gift and loyalty card services, and mobile/social media marketing tools. The portfolio centers on Credit Card Processing and High Risk Merchant Account Services as the primary offerings, with specialized solutions for Mail Order/MOTO, Mobile Processing, and E-Commerce added as supporting modules.

Differentiator

Problem solved

Functional benefit

Products and services

• Credit Card Processing Primary payment processing service enabling firearms and gun dealers to accept Visa, MasterCard, American Express, Discover, Diner's Club, Wright Express Fleet Card, Voyager Fleet Card, JCB, ATM/debit, and other card types for credit and debit transactions both in-person and online, at guaranteed lowest rates with no startup fees.
• High Risk Merchant Account Services Specialized merchant account services designed for firearms, gun, rifle, weapons, and ammunition businesses classified as high risk by traditional processors, including onboarding of merchants previously denied or shut off by First Data, PayPal, Square, and Stripe, and startups with no processing history.
• Mail Order / MOTO Merchant Solutions Card-not-present processing service for telephone and mail order firearms businesses that collect payments over the phone, FAX, or by mail without the customer being present, with real-time account access and batch detail reporting.
• Mobile Processing Mobile credit card swipe processing service available on iPhone and Android devices, enabling firearms merchants to accept payments on-the-go at gun shows, trade shows, and other temporary locations.
• E-Commerce Solutions Internet and online payment processing solutions for firearms e-commerce merchants, providing a secure browser-based interface to authorize, process, and manage credit card transactions, integrating with all major internet shopping carts and gateways (Authorize.net, NMI, USAEpay).
• FREE Credit Card Terminals Free point-of-sale credit card terminals provided to firearms merchants, including customizable reports, inventory management, time and attendance tracking, menu builder, and an interactive loyalty program feature set.
• Cash Advance Business cash advance funding program offering firearms merchants between $10,000 and $1,000,000 in working capital with one of the highest approval rates in the industry.
• Gift & Loyalty Cards Gift card packages including predesigned and custom cards sold to firearms merchants, paired with online tracking and reporting tools and loyalty/rewards programs that accumulate cash back and reward points for customers.
• Social and Mobile Media Marketing All-in-one marketing platform that integrates mobile text, voice broadcasting, social media, email, and instant messaging to help firearms merchants reach and engage their customers.
• Merchant Fraud and Chargeback Protection Security solutions designed to protect firearms merchants from fraud and chargebacks on credit card transactions processed through Firearms Processing's merchant accounts.

Quantifiable outcome

• Guaranteed lowest overall cost in the industry, or $500 check issued to merchant
• +1 more outcomes

Segments5 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature3 records

Scale indicators2 records

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• Stripe: Mainstream online payment processor also cited by Firearms Processing as refusing firearms-related merchant accounts. Important contextual incumbent representing the addressable demand pool of merchants seeking a firearms-friendly alternative.
• PaymentCloud: Large high-risk merchant account provider covering firearms among many other verticals (CBD, adult, nutraceuticals). Comparable product suite and pricing structure but broader vertical focus than Firearms Processing's firearms-only specialization.
• Square (Block): Mainstream omnichannel payments platform explicitly referenced by Firearms Processing as a processor that has denied or shut off firearms merchants. Represents the de-banking dynamic that drives merchant demand to Firearms Processing.
• National Merchants Association: High-risk ISO serving firearms alongside other restricted verticals with merchant accounts, cash advance, and CNP processing. Comparable product mix, less concentrated in firearms.

Direct peers

• Maverick Processing: High-risk merchant account provider that openly specializes in serving firearms, FFL dealers, and gun ranges with payment processing. Highly comparable as a firearms-focused ISO competing for the same merchant base.
• Electronic Payment Providers (EPP): High-risk merchant services provider that explicitly serves firearms, ammunition, and weapons merchants. Comparable go-to-market and product set, focused on the same denied-by-mainstream-processors segment.
• iTransact: High-risk payment processor with a dedicated firearms vertical offering merchant accounts and CNP processing to gun dealers. Directly comparable customer segment and value proposition.
• Durango Merchant Services: Specialty high-risk ISO serving firearms, ammunition, and other restricted MCCs. Comparable in targeting de-banked merchants with cash advance, MOTO, and CNP capabilities.
• Shift Processing: Payment processor marketing itself as firearms-friendly, serving FFL dealers, ranges, and retailers. Overlaps with Firearms Processing in merchant acquisition, card-present/CNP processing, and terminal programs.
• T1 Payments: High-risk payment processor with a dedicated firearms vertical offering merchant accounts, CNP, and cash advance to gun retailers. Directly competes for the same firearms merchant wallet as Firearms Processing.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights5 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Firearms Processing