Gun Dealer Merchant Accounts

Gun Dealer Merchant Solutions with Guaranteed Approval

Most Domestic Banks Have Stopped Providing Merchant Accounts to Gun Shops and Gun Dealers But We Have Solutions!

CyoGate is one of the few merchant services companies to offer credit card processing
for legal gun dealers and gun shops using a domestic, US-based, bank!

Due to pressure from the Federal government, it has been extremely difficult to secure retail merchant accounts for perfectly legal and regulated gun dealers, which made conducting business difficult for these companies.

We do now have a domestic bank willing to write legal gun dealers who qualify.

If you're interested in a merchant account for your legal gun business, please apply for a merchant account today!

In addition to our ability to provide true US-based merchant accounts, CyoGate's Point of Banking merchant accounts are a perfect fit for gun shops and gun dealers who can find it difficult, if not impossible, to qualify for a traditional merchant account.

It's actually designed to work with the ATM system, so any PIN-based credit or debit card can be used and, like using the card at an ATM, is treated EXACTLY like a cash transaction, although, it is technically a "cashless" ATM.

Instead of the gun dealer paying a discount fee and transaction fee, as they would with a credit card, all fees are paid by the Customer as an additional convenience fee on their "ATM" transaction. This fee is usually about $2.00-$3.00 per transaction, just as if the Customer was using an ATM that was out of his bank's system.

The way it works is that the customer slides their card through the terminal, decides what type of transaction they want to make, selects a dollar amount, and enters their PIN. When the transaction is approved, the machine prints a receipt that is taken to the cash register to be redeemed for the goods or services. The cashier simply makes change to make up the total amount of the purchase. The funds are electronically deposited to the merchant's bank account in three to four business days, just as with a credit card terminal.

Because the costs are essentially incurred by the customer, this is a great solution for ANY business that wants to lower its costs of credit card processing, and because they'll approve most any business, it's also an ideal solution for gun shops and dealers, or other businesses that can't qualify for a traditional merchant account. Also, because it works on the ATM system, there are NO chargebacks!

Credit Card Processing Options for Gun Dealers

Traditional Merchant Account (Domestic)

CyoGate has domestic US banking relationships willing to underwrite licensed gun dealers (FFL holders) for standard credit card processing. Eligible businesses include retail gun shops, FFL dealers, online firearms retailers (selling legally compliant firearms to verified buyers), and gun ranges that accept credit cards. Requirements typically include a valid FFL license, compliance with ATF and state regulations, and a clear description of sales practices.

Point of Banking (Cashless ATM)

For gun dealers who can't qualify for a traditional merchant account — or who want to eliminate discount fees entirely — Point of Banking is an ideal solution. The customer initiates what appears to be an ATM transaction, pays a small convenience fee (typically $2–$3), and the dealer receives funds via the ATM network with no discount fee. It's fully legal, widely used in the firearms industry, and processes any PIN-based debit card.

Online Gun Sales and Credit Card Processing

Online firearms sales add a layer of complexity — card networks have specific policies about online gun sales that vary by jurisdiction. For FFL dealers facilitating transfers (where the physical firearm ships to a local FFL for background check), the payment processing component is more straightforward. For direct-ship items (accessories, non-firearm items), standard ecommerce processing applies. CyoGate can advise on the right structure for your specific online sales model.

Ammo, Accessories, and Gun Range Processing

It's worth noting that the processing restrictions around "gun dealers" are primarily about firearms themselves. Ammunition, accessories, gun cleaning supplies, and related products typically face fewer underwriting hurdles and may qualify for standard merchant account terms. Gun ranges that accept credit cards for range fees, memberships, and equipment rental also have a distinct risk profile from gun sales. Contact us to discuss the specific components of your business.

For more information on any of CyoGate's solutions for legal gun shops & gun dealers, please contact us today!

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Retail & Internet Merchant Accounts

An Internet Merchant Account is sometimes referred to as a "MOTO" (Mail Order & Telephone Order) Account because they all require the ability to process a credit card payment when there is no physical credit card present to be swiped. A standard retail "swipe" merchant account does not allow processing of these "card-not-present" transactions.

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High Risk Merchant Accounts

If the domestic banks are denying your merchant application because they believe your industry is considered high risk, CyoGate can help! We have an offshore network of merchant processing partners that enable us to provide low cost, high risk merchant solutions to a much wider range of businesses and industries.

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Internet Payment Gateway

The CyoGate Internet Payment Gateway offers one of the quickest and most cost effective ways to accept and process credit card and electronic check payments online. Our payment gateway works with most existing merchant accounts and supports hundreds of popular web shopping carts and eCommerce platforms.

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