TacticalPay
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For ammunition retailers

Merchant accounts for ammunition retailers

Bulk orders, high tickets, and seasonal spikes — processed without holds or surprise reviews.

Get startedTalk to sales
A short application to start — most FFLs approved in 24–72 hours.
TacticalPay T1 payment terminal
1,000+
firearms merchants helped nationwide
// Why FFLs switch to us

We're in the firearms business too — and we're here for the long haul.

A merchant account that treats your industry as the norm, not the exception. This is the core account every TacticalPay product builds on.

2A-friendly, always
Firearms is all we do. Selling guns, ammo, or accessories will never put your account at risk.
We won't drop you
No sudden holds, no frozen funds, no dropped accounts for your industry. Your money keeps moving.
Approved in 24–72 hrs
Next-day approvals for most FFLs. Apply today and start taking payments this week.
No restrictions or caps
No volume ceilings and no product bans. Sell what you legally sell, at the scale you sell it.
Texas-based human support
Call or email and reach our in-house team. Real firearms-industry experts, no runaround.
Rates that fit your industry
Flat, transparent pricing that doesn't punish you for your MCC. What you see is what you pay.
The problem

40% of the industry, and still hard to bank

Ammunition accounts for roughly 40% of firearms-and-ammo revenue, inside an industry responsible for over $60 billion in annual economic activity. None of which stops mainstream processors from classifying ammo sellers as too risky to touch.

TacticalPay POS station
TacticalPay Tap reader
Why we fit

Ammo isn't an edge case here

Bulk orders, high average tickets, and seasonal spikes are normal for this business — and normal for us. We size your account for how ammo actually sells instead of flagging every large order.

  • High-ticket and bulk orders without holds
  • In-store and online on one account
  • USA-based support that knows the product
// Pick your setup

Four Ways to Get Paid.

Every option runs on the same 2A-friendly merchant account — start with one and add more anytime.

Tap
App · iPhone / iPad / Android
Tap

Take payments with your phone — no terminal needed.

Pro
Countertop terminal
Pro

The T1 all-in-one terminal — swipe, dip, and tap at the front counter.

Online
Online · eCommerce
Online

Sell on your site or GunBroker with a firearms-friendly gateway.

POS
Full point of sale
POS

A complete retail POS bundle — register, printer, and drawer.

// The details

About Ammunition Retailers

Snapshot: The Ammunition Industry

The ammunition industry in the United States is a bright spot in the American economy. In 2019, the firearms and ammunition industry as a whole was responsible for as much as $60.02 billion in total economic activity in the country, according to the National Shooting Sports Foundation.

The ammunition industry accounts for 40% of the revenue of the larger industry encompassing both firearms and ammunition, according to Dun & Bradstreet. Thus the ammunition industry is an important provider of high-paying jobs to many local communities across the United States.

Merchant Services In The Ammunition Industry

Regardless of the economic growth provided by this important industry, if you own or operate an ammunition business, you may have been previously turned down for a merchant account from a mainstream bank or merchant services company.

Or worse, your ammunition business may have had its merchant account terminated with little or no previous notice.

Many banks and merchant services providers will not accept your business for one of two reasons:

  1. Firearm sales are regulated by the federal government, and therefore, additional underwriting is required by the credit card processor. (Even if you don't sell firearms, and only sell ammo, your business may be lumped into this category by the bank.)
  2. Because firearms and the 2nd Amendment are a "hot button" political issue, many banks and merchant services companies have taken an "anti" 2nd Amendment stance, and refuse to work with these businesses, even if they are otherwise highly desirable clients.

Tactical Payments, by contrast, was founded with the exact mission to serve the many fantastic firearms industry businesses out there today. We will offer you competitive pricing, easy integration, and friendly, USA-based customer support.

// How it works

From Application to First Swipe in Days.

A light lift to start — the detailed underwriting happens in your account, guided step by step.

1
A few minutes
Apply online
Tell us the basics about your business. No long forms, no obligation — you land straight in your dashboard.
2
24–72 hours
Get approved
Our in-house team reviews your file fast. Most FFLs are approved next day, with a real person you can call.
3
Day one
Start processing
Connect a terminal, POS, or gateway and take your first payment. Deposits settle in 2 business days.
// What merchants say

Trusted by FFLs Nationwide.

5.0
★★★★★
12 reviews
★ 5.0 on GoogleVerified Google reviews →
★★★★★
“I recently went to all electronic. POS, FFL Books, Fingerprints, etc. It has been a challenge for me but Rich with tactical pay has been a real asset. He always has time and gets me going asap. Thanks Rich and Tactical Pay.”
Clyde Wilson
June 2026
Google
★★★★★
“Switching to Tactical Pay was one of the best business decisions I've made. I came from WorldPay after dealing with frozen funds, constant headaches, and what felt like the longest underwriting process imaginable. I found myself answering…”
Deven Sollie
June 2026
Google
★★★★★
“great group of folks, would highly recommend”
Andrew Carr
March 2026
Google
★★★★★
“I'm finally able to access this page. I really appreciate the professional service that I got from Heather & Bill while getting setup to process our cc request. Their knowledge and care in making sure that we got positioned to allow our…”
Elliott Anderson
February 2026
Google
★★★★★
“I had the pleasure of working with Bill and Nathan, and they both delivered exceptional service from start to finish. They were professional, responsive, and took the time to ensure everything was handled thoroughly and efficiently. I…”
Al Patrick
February 2026
Google
★★★★★
“Nathan and Kyle were great! Easy set up and a super knowledgeable team.”
Hudsco Industries
December 2025
Google
// Questions

Ammunition Merchant Account FAQs

The following are the most frequently asked questions we get from businesses interesting in being approved for an ammunition merchant account from Tactical Payments.

What kinds of ammunition businesses do you accept as merchants?

Tactical Payments accepts a wide variety of ammunition-related businesses, including retail, eCommerce and mobile-based businesses which are related to ammo or firearms supplies. This includes retailers selling small ticket, big ticket or bulk ammo for pistol, shotgun, or rifle. Additionally, we accept merchants who sell sporting goods and archery equipment. All merchants must abide by all applicable Federal, State, and Local laws and regulations.

What criteria does my ammunition business need to meet, to approved for a merchant account by Tactical Payments?

To be approved for a merchant account by Tactical Payments, your ammunition business must meet the following criteria: (a) your business must be located, and operate, solely within the United States of America (and the business owner must be a US citizen with a SSN); (b) you must be willing to provide the following documentation: (1) a voided business check or verified bank letter, (2) a valid government ID such as a driver’s license, (3) 3 months’ previous business bank statements, or personal bank statements if the business is a startup, and (4) 3 months’ previous credit card processing statements, if applicable.

ADDITIONALLY, for ammunition-related businesses: Must have an FFL if manufacturing or importing ammunition, or ammunition for destructive devices (not required if the business is only selling ammunition).

​Is Tactical Payments compatible with my existing ecommerce or Point Of Sale (POS) software?

Ammunition businesses typically have a preferred ecommerce or POS (Point Of Sale) software system they use. Because Tactical Payments works with most major payment gateways (including Authorize.net, USAePay and NMI), our merchant accounts integrate with most popular ecommerce and Point Of Sale systems. Tactical Payments is compatible with Shopify, WooCommerce, BigCommerce, Magento, Volusion, and many other ecommerce software packages, and is also compatible with GunBroker.com.

// Ready when you are

Get the Merchant Account Built for Ammunition Sellers.

Create your account in minutes, or talk to a real person on our Texas team. No obligation, transparent pricing, and switching is easier than you think.

Get startedTalk to sales