The Best Firearms Merchant Account Providers in 2025

The US firearms industry is broad and highly valued at around $10.4 billion in 2025. Despite being such an immense and successful field, firearms remain under strict industry regulations that are always changing.

This unpredictability makes the industry high-risk for banks and other financial institutions. As a result, firearms businesses face various difficulties in getting stable payment processing services and merchant account access.

This is a shame, as many firearm merchants are extremely honest and responsible, following all regulations to a tee, yet are still treated like the worst high-risk merchants ever. Fortunately, there are solutions, and Adaptiv Payments is one of them.

A reliable merchant account provider with immense experience and success in the firearms space is just what your business needs. We at Adaptiv don't just provide high-risk firearms merchant accounts, but also unique payment solutions to ensure your business remains compliant and secure while running smoothly.

Below, we cover some major details about merchant accounts in the firearms business. Plus, we list the best firearms merchant account providers so far in 2025 (including Adaptiv Payments). Read on, learn what to look for in a payment partner, and begin your path to stable growth for your firearms business today.

Why Does a Firearms Business Need a Merchant Account Provider?

In the first place, a merchant account is necessary in order to accept payments for your business. Without one, your firearms business won't be able to process debit card or credit card payments. For that reason, a merchant account is necessary for most modern-day businesses.

However, a firearms business also needs a particular merchant account provider that caters to high-risk industries. These kinds of providers do a lot to help ensure the long-term growth of gun businesses in a number of ways, including:

• Reliably keeping up with ever-changing laws and regulations to ensure compliance, so your firearm business doesn't face penalties or lose your merchant account in the future.
• Providing solutions specific to firearm payment processing, such as negotiating for better rates, preventing chargebacks, and securing transactions from potential fraud.

Types of Businesses That Require a Firearms Merchant Account

Whether in firearm sales, training, certification, or aftermarket accessories and parts, nearly every business involved in the space should and must have a merchant services provider dedicated to its industry. Here are some of the different businesses that Adaptiv Payments provides high-risk merchant accounts to:

Gun Shops & Shooting Ranges

Firearm Accessories, Parts, and Ammunition Retailers

Online Firearms Merchants

Pawn Shops

Courses, Classes, and Training Services

The Best Firearms Merchant Account Providers for Your Business

Several merchant account providers work with numerous high-risk industries, including the firearms market. Below, we list some of the best merchant account services available, along with their specific features and benefits. Review each provider to find the one that best fits your firearm company's unique needs.

Adaptiv Payments

Adaptiv Payments Logo

Credit: Adaptiv Payments

Adaptiv Payments is among the top merchant account providers for numerous high-risk industries, including CBD, gambling, debt collection, and, namely, firearms. Unlike other providers, we take a personalized, white-glove approach to partnerships. Our dedicated team members ensure every business we work with has the support it needs to successfully process payments, stay compliant, and succeed in its market.

Features & Benefits:

• Industry-Tailored Integration: We design our merchant accounts to integrate with your preferred systems, such as GunBroker and other online sales platforms.
• Flexible Payment Channels: Adaptiv also offers various payment systems, including streamlined point-of-sale systems and virtual terminals. For companies that require portability, you can accept payments via our dedicated app and mobile card readers.
• Transparent Pricing & Competitive Rates: With us, you won't have to deal with hidden fees or unexpected costs. We offer upfront pricing and negotiate with sponsor banks to ensure we get the best fees and rates possible for your business.
• Market-Specific Underwriting: Our team is also capable of accurately ensuring compliance through our experience verifying a variety of Federal Firearms Licenses (FFLs), performing precise record-keeping in case of ATF auditing, and more.

PaymentCloud

PaymentCloud Logo

Credit: PaymentCloud

PaymentCloud is a well-known merchant account provider that works with businesses in all kinds of high-risk industries. They have plenty of experience serving firearms businesses and are also known to maintain a high rate of approval for firearms merchant accounts.

Features & Benefits:

• Speed: They provide fast approvals and onboarding for firearms businesses.
• Wide Range of Services: PaymentCloud covers online, retail, mobile, and virtual terminal transactions, as well as numerous integrations with different payment gateways and POS systems.
• Tools for Protection: They also provide tools and personalized services to help with fraud protection and chargeback prevention.

Tactical Payments

Tactical Pay Logo

Credit: Tactical Pay

TacticalPay provides merchant accounts and credit card processing for over 5,000 firearms-related businesses. Its exclusive focus on being a firearms-friendly provider ensures top-quality service and comprehensive support against the industry's unique challenges.

Features & Benefits:

• Domestic Support: US-based support ensures that firearm businesses work with a trustworthy provider who understands the strict laws and regulations they must follow.
• Deep Integration & Technical Support: Works with over 100 sales systems and softwares, including GunBroker, as well as retail, mobile, and eCommerce platforms.
• In-Depth Industry Experience: Has worked with companies in nearly every area of the firearms market, from gun shops and shooting ranges to online dealers and ammunition retailers.

Zen Payments

Zen Payments Logo

Credit: Zen Payments

With over 15 years of experience, Zen Payments establishes itself as a reliable partner to firearms-related businesses. They have a long track record of working with high-risk businesses in all kinds of spaces, claiming high approval ratings for 98% of their clients.

Features & Benefits:

• Extensive Coverage: Zen states that it assists with approvals for merchants with low credit scores through its network of over 15 banks.
• Same-Day Payment Access: They also offer same-day access to funds acquired from a recent sale. This ensures your business has the capital it needs to continue to grow.
• Multi-Channel Support: Assists gun businesses of all kinds, whether they are brick-and-mortar stores or eCommerce shops.

Signature Payments

Signature Payments Logo

Credit: Signature Payments

Signature Payments has served high-risk companies like gun retailers and firearm businesses for over 20 years. They provide sustainable firearms merchant account services through custom payment solutions and consistent compliance with changing firearm regulations.

Features & Benefits:

• Simplified Sign-Up: Signature Payments is known to provide quicker sign-up and approvals for firearm merchants than other providers.
• Flexible Solutions: They work with multiple banks to ensure solutions for both domestic and international firearms businesses.
• Broad Capabilities: Signature Payments can fulfill the technical needs of businesses with hybrid business models, including brick-and-mortar shops and eCommerce retail platforms.

For Stable Growth in the Firearms Industry, Businesses Turn to Adaptiv Payments

Process payments securely with help from an experienced and dedicated high-risk merchant services provider like Adaptiv Payments. Unlike processors like Stripe or PayPal, we don't shy away from the challenges of working with high-risk companies.

Instead, we get to work, relying on a broad network of relationships with numerous banks to ensure our partners enjoy stable and secure merchant account services and payment processing in the long term.

Additionally, we set ourselves apart not just as one of the best firearms merchant services but also in our technical prowess. We'll develop solutions tailored to your needs and goals so your customers can enjoy a simple, streamlined experience with your business.

Interested in learning more? Contact Adaptiv Payments to learn how we can help transform your business through unmatched payment processing and merchant services today.