TacticalPay
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For gun shops

Gun shop merchant accounts

Card processing and POS for brick-and-mortar firearms retail, from a Texas team that's served FFLs for 10+ years.

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

Doing everything by the book — and still getting shut off

Retail gun shops move a serious share of the $15 billion firearms market, and still get turned down by mainstream processors. Plenty of shop owners have had an account terminated with little or no notice, for no reason other than what's in the display case.

TacticalPay POS station at the retail counter
TacticalPay Tap for mobile and gun-show sales
Why we fit

Built for the counter, and everything behind it

We work with firearms-friendly banks, so being a gun store isn't a problem to underwrite around — it's the whole point. Competitive pricing, easy integration, and a Texas-based team that knows what an FFL is.

  • Works with your existing POS and inventory software
  • In-store, online, and gun-show sales on one account
  • No volume caps, no surprise shutdowns
// 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 Gun Shop Payments

Snapshot: Brick & Mortar Gun Retailers

Firearms dealers are an irreplacable part of the firearms industry. Retail gun shops offer some of the most popular methods for consumers to legally purchase firearms. This means retail gun stores are responsible for a significant amount of the massive firearms commerce that takes place on a daily basis.

In fact, recent statistical data puts the firearms industry at a market size of $15 billion (source: IBISWorld). This market size -- along with a very healthy growth rate -- represents a significant opportunity for anyone who owns or operates a retail gun store. Unfortunately, in spite of this tremendous opportunity, many gun shop owners -- even while doing everything "by the book" -- run into trouble with payment processing.

Merchant Services For Gun Stores

If you own or operate a brick and mortar gun shop, you may have been previously turned down for a merchant account from a mainstream bank or merchant services company.

Or worse, your firearms retail 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.
  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 gun shops, even if they are otherwise highly desirable clients.

Tactical Payments, by contrast, was founded with the exact mission to serve firearms industry businesses. 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

Gun Retailer Merchant Account FAQs

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

What kinds of firearms dealers do you accept as merchants?

Tactical Payments accepts a wide variety of brick & mortar firearm retailers, including “mom and pop” stores, mobile-based businesses which operate legally at gun shows, sporting goods retailers, and “big box” gun shops. Additionally, we accept merchants who sell all types of outdoor goods, including hunting and archery equipment, as well as firearm accessories such as holsters and scopes. All merchants must abide by all applicable Federal, State, and Local laws and regulations.

What criteria does my brick and mortar firearms business need to meet, to approved for a merchant account by Tactical Payments?

To be approved for a merchant account by Tactical Payments, your retail firearms 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 firearms dealers: Must have an FFL if selling, manufacturing, or importing firearms or destructive devices; must not sell all accessories needed to assemble a gun if the business does not have an FFL.

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

FFLs and firearms businesses typically have a preferred inventory 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 firearms inventory and Point Of Sale systems. Tactical Payments is compatible with Stratus Retail POS, Windward Software, Elliott Firearms Software, Gun StoreMaster, Rapid Gun Systems, AIMsi, Epicor FFL Compliance Manager, and Firearms Management Systems, as well as Gun Broker. (Many FFLs sell on GunBroker.com, and accept credit and debit card payments from buyers via an integrated merchant account & payment gateway.)

// Ready when you are

Get the Merchant Account Built for Gun Shops.

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