Gun-friendly banking that won’t drop you for your SIC code. Structure approves FFLs, ranges, and online firearms & ammo stores — in-store or online checkout, fully compliant.
Structure Payments specializes in serving firearms businesses with Federal Firearms License (FFL) payment solutions — a secure, efficient platform that lets firearms merchants accept credit card payments with confidence.
Mainstream processors routinely decline firearms dealers, or approve them and terminate the account later without notice. We underwrite this vertical deliberately, so your ability to take payments does not depend on a risk team changing its mind.
If it is lawful and you hold the right licenses, we can almost certainly underwrite it.
Five things make this vertical different from ordinary retail — and all five are reasons a generic processor will eventually drop you.
The industry faces federal and state regulation covering age verification, background checks and sales restrictions. Your payment stack has to support that, not fight it.
High-ticket purchases attract both genuine disputes and card testing, which pushes chargeback ratios above what a mainstream processor tolerates.
Most traditional processors decline firearms businesses outright as a matter of policy, which is precisely why a specialist provider is necessary rather than optional.
Identity verification, transaction screening and ongoing compliance monitoring keep the account healthy instead of merely flagging problems after the fact.
Recurring billing, instalment options and gateways tuned for this vertical — because a range membership and a single rifle sale are not the same transaction.
No drawn-out underwriting theatre. A real person, a real timeline, a real approval.
One short form and a quick document upload. Your dedicated rep reviews it the same day — no call-center runaround.
We match you to the right banking relationship and gateway for your industry, chargeback history and volume.
Credentials, gateway and cart integration go live. You're accepting cards — usually within about 48 hours of applying.
Yes. Firearms and ammunition merchants can get approved through a high-risk processor that underwrites the vertical deliberately. Structure Payments approves FFL dealers, ranges and online firearms retailers, with most accounts live in about 48 hours.
Most mainstream processors decline firearms businesses as a matter of policy rather than because of anything specific to your business. The combination of regulatory complexity, high-ticket chargeback exposure and reputational caution leads them to exclude the category entirely.
Yes. Sellers must obtain a Federal Firearms License before selling firearms or ammunition. Once you hold one, a high-risk processor can underwrite card payments for the business.
Most firearms merchants are approved and processing within about 48 hours of submitting a complete application, including the required license documentation.
Not with a processor that underwrote you for this vertical from the start. Sudden terminations usually happen when a generic processor discovers the true nature of the business after onboarding. Because we underwrite firearms merchants deliberately, there is no later surprise.
We do everything possible to get you approved, and most merchants are processing within about 48 hours. No obligation to see your real rate.