Frequently Asked Questions

TacticalPay provides merchant accounts for all types of firearms industry businesses — including brick-and-mortar gun stores, online dealers, GunBroker sellers, shooting ranges, gunsmiths, pawn shops, ammunition retailers, and accessories and parts sellers. If you're in the firearms industry and you've been turned away by Square, Stripe, or another processor, we can help.

If you sell firearms, yes — you'll need a valid or pending FFL to get approved.

A payment gateway is the technology that securely transmits payment data between your customer, your website, and your bank. If you sell online — whether through your own website or a platform like GunBroker — you'll need a firearms-friendly payment gateway in addition to a merchant account.

TacticalPay works with two of the most widely supported payment gateways in the industry: Authorize.net and NMI. Both are compatible with a wide range of e-commerce platforms, shopping carts, and firearms-specific software.

Yes. TacticalPay provides payment gateway solutions for GunBroker sellers through Authorize.net and other supported gateways, including GunBroker Immediate Checkout. Our team can walk you through the setup process once your account is approved.

There's no separate application to start. Here's how it works:

1. Pick your plan on our Pricing page and check out. Your TacticalPay account is created at checkout and you'll land in your dashboard.
2. Apply for your merchant account from your dashboard. It takes about 10 minutes. Upload any required documents and e-sign your agreement when you're ready.
3. Get approved. Once your application is approved, you'll receive your merchant ID (MID) and we'll get you set up to process.

You'll need a valid SSN and a US-issued photo ID. If you sell firearms, you'll also need a valid or pending FFL. You'll be asked to estimate your average monthly sales volume and the breakdown by transaction type (e.g., e-commerce vs. in-person). For most merchants, a photo ID and (if applicable) your FFL are the only documents required. Additional documents — such as a voided business check, bank statements, or processing statements — may be requested for higher-volume accounts, generally those processing $50,000 or more per month.

Most applications are approved within one to three business days. Once approved, you'll be issued your merchant ID (MID), and any hardware included in your plan ships. If your plan includes a payment gateway, your gateway credentials are typically set up within one business day after your merchant account is approved. We work as quickly as possible to get your account up and running.

A voided business check verifies your business bank account, ensuring deposits go to the correct account and preventing fraud. Most merchants won't need to provide one — it's generally only requested for higher-volume accounts processing $50,000 or more per month. If one is requested, we need a pre-printed check showing your business name, bank name, routing number, and account number. Write "VOID" across the front of an existing check, or request one from your bank.

If a voided check is requested and you don't have checks listing your business name, provide a bank letter instead. We need a letter on official bank letterhead that includes the full name of the bank and business, routing and account number, a statement that the account is in good standing, and the signature and contact info of a bank officer. Most banks issue this within one business day — many now issue them instantly through your bank's online portal.

Federal banking regulations require identity verification for all business owners with more than 25% ownership. We need a clear, valid copy of a government-issued photo ID — driver's license, passport, or state ID — belonging to the owner or signer on the account.

Usually not. Bank statements are generally only requested for higher-volume accounts processing $50,000 or more per month — either during the application or by our underwriting team. If requested, we need the most recent three months of business bank statements, including all pages. If your business is new, you may provide the owner's personal bank statements instead.

Usually not. If you've processed before, statements may be requested for higher-volume accounts processing $50,000 or more per month. If requested, we need the most recent three months of statements from your current or previous processor, in PDF format. If your business hasn't processed before, you can skip this step.

If your business sells firearms, yes. We need a current copy showing your business name, premises address, FFL number and expiration date, and license type. You can download your FFL from the ATF eZ Check system (https://fflezcheck.atf.gov) or your ATF eForms account (https://eforms.atf.gov).

TacticalPay hardware pricing is straightforward:

• Tap Plan with Tap to Pay — $29 one-time + $69/mo, all-in. Take payments on your phone — no terminal needed.
• Pro Plan with T1 Terminal — $299 one-time + $99/mo, all-in. All-in-one terminal for the front counter, with a built-in printer.
• POS Plan with Hardware Bundle — $999 one-time + $199/mo, all-in. A complete retail register — screen, printer, and drawer.
• E-commerce Plan — $29 one-time + $69/mo, all-in. Sell on your website or GunBroker with a firearms-friendly gateway.

TacticalPay offers a number of add-ons, transparently priced:

• Online (as add-on to Tap, T1, or POS) — $0 one-time + $29/mo. Sell online too — your website, GunBroker, and phone orders — on top of your in-person plan.
• Label Printer — $149 one-time, no monthly fee. Direct-thermal printer for barcode labels on serialized inventory — Ethernet + USB.
• Gift Cards — $99 one-time, no monthly fee. Branded gift cards to sell across the counter — pack of 100.
• Membership Cards — $99 one-time, no monthly fee. Branded membership cards for your range or club — pack of 100.

Card processing: choose Cash Discount — your posted prices account for card fees and cash-paying customers get a discount, so accepting cards costs you very little — or Traditional at 2.65% + $0.30 for in-person cards and 3.5% + $0.30 for online, phone, and premium cards.

See full plan details and get started on our pricing page.