High-Risk Merchant Service for Online Firearms
Selling firearms, ammunition, or tactical gear online isn’t just about inventory and logistics — it’s also about navigating a complex legal and financial environment that most traditional payment processors are unwilling to touch. Whether you’re an FFL dealer or an online retailer of accessories, the biggest obstacle to growing your business often lies in one critical area: payment processing.
At 100Services, we specialize in connecting firearm-focused eCommerce businesses with vetted high-risk merchant account providers — at absolutely no cost to you. Our partners are fully equipped to support the regulatory, financial, and security requirements of the firearms industry, helping you accept payments confidently and compliantly.
🔥 Why Online Firearms Are Classified as High-Risk
Payment processors and banks label firearm-related businesses as high-risk for a variety of legal, reputational, and operational reasons. Even when fully licensed and compliant, these businesses face challenges like:
🔹 Complex Regulatory Landscape
- Firearms sales in the U.S. are regulated by numerous overlapping federal, state, and local laws (including the ATF, GCA, NFA, and FFL licensing).
- Complying with these laws — including background checks and interstate restrictions — adds friction to the sales process that scares off mainstream processors.
🔹 Elevated Chargeback Risk
- Due to the sensitive nature of the product, firearm purchases are more prone to disputes.
- Common causes include shipping delays (due to FFL transfers), misunderstandings about legal eligibility, or simply “buyer’s remorse.”
🔹 Reputation and Public Scrutiny
- Card networks and acquirers fear reputational damage for supporting firearms sales, even when they are fully legal.
- This stigma leads to higher processing fees, funding delays, and random account terminations.
🔹 Card-Not-Present (CNP) Risks
- Online orders are inherently more susceptible to fraud.
- Without in-person verification, firearm merchants must rely on robust identity and address verification tools to reduce exposure.
That’s why Stripe, PayPal, Square, and even many traditional banks will automatically reject or shut down firearm-related businesses.
💼 What 100Services Offers Firearm eCommerce Merchants
We’ve designed a completely hands-off, hassle-free process for firearm merchants to get connected with trusted payment providers that embrace high-risk industries.
✅ Here’s what you can expect:
- Personalized processor matchmaking with providers who understand firearms eCommerce
- Support for FFL dealers, ammunition sellers, and accessories retailers
- Full integration with platforms like Shopify, WooCommerce, BigCommerce, Magento, and custom builds
- Fast-track approvals — often within 3–5 business days
- Recurring billing support, if you offer memberships, layaway plans, or subscription boxes
- Chargeback prevention tools and fraud detection systems built for high-risk use cases
- No-cost consultation and matching — ever
Our entire focus is to take the stress and guesswork out of securing a merchant account — especially in a regulated industry like yours.
🔄 How Our Free Matchmaking Service Works
Our 3-step process is designed to get you approved and processing payments without delays or compliance issues.
1. Discovery
Submit a short form or hop on a quick call. We'll gather key details like:
- Business model and FFL status
- Monthly processing volume
- Types of products sold
- Website and platform setup
2. Processor Matching
We assess your risk profile and match you with one or more firearm-friendly payment processors from our vetted network.
3. Choose and Launch
You’ll receive offers, compare rates, and choose the best fit. We stay with you during onboarding, technical setup, and compliance — at no cost.
⚖️ Regulatory Compliance and Security Built In
We only work with processors who prioritize legal compliance, data security, and transaction transparency. These are must-haves for any online firearms business.
You’ll get access to:
- ✅ Full FFL compliance tools
- ✅ Address and identity verification (AVS, CVV, geolocation tools)
- ✅ Age verification integrations
- ✅ PCI-DSS Level 1 secure gateways
- ✅ Real-time transaction monitoring and fraud scoring
- ✅ Full audit trails for regulators and legal protection
No more worrying about whether your processor is up to code — we make sure they are before we ever recommend them.
🧩 Who We Work With
We’ve successfully helped businesses across the firearms ecosystem, including:
- Online FFL Dealers — from startups to high-volume national retailers
- Ammunition and Reloading Supplies Stores
- Parts and Accessories Retailers — optics, holsters, cleaning kits, tactical wear
- Tactical Gear & Survival Equipment Brands
- Online Auction Platforms for Firearms
- Firearms Training Programs — with digital course delivery and recurring billing
- Collectors & Antique Gun Sellers (where legally permitted)
If you operate within the legal framework, we can help you find a processor that supports your specific product category — even the hard-to-place ones.
💡 Why This Service Is Free (And Always Will Be)
We’re able to offer this robust matchmaking service 100% free because of our long-standing partnerships with high-risk merchant providers.
When we refer a business like yours and it gets approved, we get paid by the processor — not you.
That means:
- No setup fees
- No consulting charges
- No commissions taken from your processing
- No strings attached
You get an experienced advocate to help you navigate high-risk merchant approvals without paying a cent.
🚀 Why Firearm Merchants Trust 100Services
- Firearm-Industry Expertise — We understand your products, regulations, and pain points.
- Fast Approvals — You won’t wait weeks only to be denied.
- Seamless Integrations — Shopify, WooCommerce, Magento, BigCommerce, and more.
- Risk Mitigation Tools — Chargeback defense, fraud protection, and secure gateways.
- Ongoing Support — We’re here before, during, and after onboarding.
Our mission is simple: help you sell legally, securely, and profitably — with zero friction.
📈 Ready to Accept Payments the Right Way?
If you’re tired of getting denied by Stripe, PayPal, and big-name banks — and ready to find a processor that actually supports your firearms business — you’re in the right place.
At 100Services, we’ve helped hundreds of regulated and high-risk merchants secure long-term, scalable, and compliant payment solutions — and we’re ready to help you.
👉 Reach out today and get matched with a trusted high-risk merchant provider — no fees, no pressure, and no delays.
Frequently Asked Questions
A high-risk merchant account for online firearms is a specialized payment processing solution designed for gun dealers and firearm-related businesses. Due to strict regulations, chargeback risks, and public scrutiny, traditional processors often refuse to work with firearms retailers. This type of merchant account ensures your transactions are securely processed and compliant with all relevant laws. At 100Services, we connect you with providers that understand your industry and offer stable, long-term solutions. With our partners, you’ll enjoy robust fraud protection, age verification tools, and scalable infrastructure. And remember — our matching service is completely free, and we only work with top-tier, firearm-friendly processors.
Online firearms businesses face increased regulatory oversight, complex legal requirements, and a higher likelihood of chargebacks, making them "high-risk" in the eyes of most banks and processors. Selling products like guns, ammo, or accessories requires strict age verification, federal licenses, and compliance with state laws. Because of this, many standard providers like Stripe, PayPal, or Square will instantly decline firearm businesses. That’s why you need a payment partner who specializes in the firearms industry. Our network includes processors that are fully prepared to support your compliance needs, transaction volume, and technical setup. We’ve negotiated the best terms — so you don’t have to.
Our service is completely free for business owners. We don’t charge any setup fees, commissions, or hidden costs. Instead, we earn a referral fee from payment providers when we successfully connect them with qualified firearm-related businesses. This allows us to give you unbiased recommendations, fast approvals, and access to premium processors at no cost to you. You’ll never be pressured into a decision or locked into an unfavorable contract. With 100Services, you get top-tier support without paying a cent.
Yes, absolutely. We assist a wide range of online businesses in the firearms space, including FFL dealers, ammunition sellers, gun part distributors, optics and accessories shops, and even firearms training and safety course providers. Whether you sell directly to consumers or operate a dropshipping model, we can match you with a payment processor that meets your specific needs. Our providers support both hardware sales and digital service offerings. If you're unsure whether your products fall within acceptable boundaries, our team can help you evaluate compliance before submitting an application.
Approval timeframes can vary depending on your business model, documentation, and history, but in most cases, our partners offer pre-approvals within 24–48 hours and full approvals within 3–5 business days. Thanks to our long-standing relationships with firearms-friendly processors, your application is reviewed faster and with higher chances of success. We help ensure all paperwork is complete and properly presented, reducing delays. Our goal is to streamline the process and get you up and running quickly. And we stay by your side the entire time to assist with any questions or integration issues.
Yes — we work with processors that integrate smoothly with Shopify, WooCommerce, BigCommerce, Magento, and other popular eCommerce platforms. Since Shopify’s internal payment gateway often restricts firearms sales, we help you set up a third-party payment gateway that complies with both Shopify's rules and federal law. We also guide you through installing the gateway and configuring it for firearms-specific needs such as age verification, address matching, and background screening. Our Shopify development team (yes, we have one!) is also available if you need custom setup. You get tech-savvy help and the best payment solution — all in one place.
A proper merchant account for firearms should include secure payment gateways, PCI-compliant data encryption, fraud prevention tools, chargeback protection, and support for federal and state regulatory compliance. Our partner processors also offer tools for recurring billing, invoicing, virtual terminals, and mobile payments. Many of them also include specialized screening tools to meet the age and identity requirements for firearm purchases. Best of all, we ensure the provider understands your products — no more worrying about account freezes or unexplained shutdowns. We’ve already done the vetting for you.
At 100Services, we’ve built our reputation by helping high-risk businesses like yours find long-term, reliable payment processing solutions. We’ve worked with dozens of online firearms retailers, and we know the challenges you face. Our team only partners with providers that are gun-friendly, legally compliant, and transparent. We offer personalized service, quick matching, and you never pay us a fee. Simply put: we work for you, not the processors. And because we succeed when you succeed, we’re committed to getting you the best possible deal with the lowest friction.
