greenlit

High-risk merchant account

Firearms & ammunition merchant accounts

There’s nothing illegal about selling a firearm to a licensed buyer — but most processors ban the entire category anyway. PayPal, Stripe and Square won’t touch FFLs, so a legitimate gun shop or online ammo store gets treated like contraband.

  • Most mainstream processors ban firearms and ammunition outright.
  • Age-verification and shipping rules add compliance requirements.
  • Card-present and online both need dependable, gun-friendly acquiring.
✓ 24-hour approvals✓ Keep your bank✓ No shutdowns

Get approved for Firearms & ammo

Tell us about your business — pre-qualify in minutes.

Secure · No impact to your credit

50+ industries approved
24–72 hour approvals
No sudden shutdowns
Keep your gateway
Firearms & ammo

The problem

Why Firearms & ammo keeps getting shut off

The result is scrambling for a new processor every few months. What you actually need is an acquiring bank that approves firearms and ammunition on purpose, with age-verification-friendly tools and one account that covers both your counter and your website.

Greenlit places you with a bank that approves Firearms & ammo on purpose — and keeps you there.

What you get

Built to keep you processing

24-hour approvals

Bank-driven underwriting, not instant-freeze aggregators.

Chargeback defense

Visa & Mastercard alerts with automated dispute responses.

Multi-MID balancing

Spread volume across banks so caps never freeze you.

Keep your gateway

NMI, Authorize.net and 200+ integrations supported.

24–72htypical approval time
2.5–6.5%typical processing rate
5–20%rolling reserve range
~1%dispute ratio threshold

Typical industry ranges. Your exact terms depend on the acquiring bank and your business profile.

Answers

Firearms & ammo payment questions

Can I sell firearms and ammo online?+

Yes. We work with acquiring banks that approve licensed firearms and ammunition merchants for both retail and e-commerce.

Do you support in-store and online?+

Both — countertop terminals and online gateways under one account with combined reporting.