TacticalPay
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For pawn shops

Merchant accounts for pawn shops

Loans, secondhand goods, and firearms sales on one account — underwritten as the whole business.

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

Two businesses in one, and both get flagged

Pawn shops sit in a $2.1 billion market and hold up when the wider economy doesn't. But lending plus secondhand firearms sales is a combination most processors decline on sight, without ever looking at the books.

TacticalPay POS station at the counter
TacticalPay Tap reader
Why we fit

Underwritten for the whole shop

Loans, secondhand goods, and firearms sales under one merchant account. We underwrite the actual business rather than pattern-matching the category and declining.

  • Firearms and general secondhand inventory together
  • Counter, online, and layaway payments
  • Firearms-friendly banking, so gun sales aren't a liability
// 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 Pawn Shops

Snapshot: The Pawn Shop Industry

Pawnbroking has played a crucial role in economies throughout history. As of today, pawn shops continue to offer an important way for consumers to either turn personal items into cash, or purchase a wide variety of secondhand items at competitive rates.

Pawn shops tend to see counter-cyclical growth when compared to the rest of the economy: when the economy is in decline, pawn shops experience growth, and vice versa. Regardless, pawn shops have proven staying power, and according to recent statistics they command a market size of $2.1 billion (source: IBISWorld). Pawn shops that sell firearms find themselves participating in a growing market which complements other products they may offer.

Merchant Services for Pawn Shop Businesses

If you own or operate a pawn shop business, particularly one that sells firearms, you may have been previously turned down for a merchant account from a mainstream bank or merchant services company.

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

Many banks and merchant services providers will not accept your pawn shop business selling firearms, ammunition, or firearms accessories 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 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

Pawn Shop Merchant Account FAQs

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

What kinds of pawn shop businesses do you accept as merchants?

Tactical Payments accepts a wide variety of pawn shop businesses, including retail, eCommerce and mobile-based businesses which sell ammo, firearms, 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. Please note that all merchants must abide by all applicable Federal, State, and Local laws and regulations.

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

To be approved for a merchant account by Tactical Payments, pawn shop business must meet the following criteria:

  1. 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)
  2. 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 you've held an account previously.
  3. If you are selling firearms, or all of the parts necessary for someone to purchase an assemble a firearm you MUST have a valid FFL.

Please note we can only provide credit card processing for products sold. Pawn Shop Merchants are prohibited from accepting credit card payments for payday loans.

Lastly, we are unable to work with businesses selling any of the firearms-related items listed below:

  • Bump Stocks
  • Jigs
  • Firearms created through CNC (Computerized Numeric Control Machines) milling
  • Blueprints for CNC
​Is Tactical Payments compatible with my existing ecommerce or Point Of Sale (POS) software?

{awn shops 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.

You deserve a payment partner that respects your business, and delivers credit card processing at a low cost. Our friendly Customer Support Team is standing by to approve your application:

// Ready when you are

Get the Merchant Account Built for Pawn 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