Regulated products
Firearms & Ammunition merchant accounts, placed with banks that write the category.
Needs a bank that writes the category on purpose. Roughly 5–10 business days, a dedicated gateway, and usually a reserve.
The underwriting objection
Why banks flinch at this category.
Firearms are legal and heavily regulated, which is exactly the problem: several large processors exclude the category by policy rather than by risk. FFL dealers, ranges and online ammo sellers get declined or deplatformed for reputational reasons, often after taking payments for years. Actual chargeback performance in the category is usually fine — the barrier is bank appetite.
Recommended setup
- Gateway
- Firearms-friendly gateway with AVS and CVV enforcement
- Settlement rail
- Card-present in store; card-not-present with FFL-transfer flow online
- Reserve expectation
- Often none for established storefronts; modest rolling reserve for new online sellers
- Equipment
- Countertop terminal or full POS with serialized inventory
What we actually do
How we get this file boarded and keep it boarded.
Specific to your category — not a generic high-risk brochure.
Placement with banks that write FFL business as a normal line, so you are not one policy memo away from losing your account
Serial-number and FFL-transfer documentation handled correctly on the application, including range and gunsmith revenue
Backup processing standing by so a sudden policy change at one bank does not shut off your register
Card-present pricing for the counter and a separate gateway configuration for online transfer sales
The process
Four steps, no mystery.
For firearms & ammunition, the honest window is: usually 5–7 business days with FFL, photos of the premises and recent statements.
- 1
Call or send the form
Fifteen minutes. We confirm the category is one we can place and tell you which documents matter for your file specifically.
- 2
Document package
You gather statements, IDs and any category paperwork. This is the step that decides your timeline — a complete package moves fast.
- 3
Multi-bank submission
We submit to the banks that write your category, in the order most likely to approve on the best terms. Declines get diagnosed, not repeated.
- 4
Board and monitor
Gateway configured, equipment shipped or checkout integrated, chargeback alerts on. Then we watch your ratio and go back for better terms once history proves out.
Accounts placed through our processor and banking network
Free statement analysis
Get a firearms & ammunition account underwritten properly.
One application, submitted to the banks that write your category. If your current account is frozen or at risk, tell us on the form and we will work speed first.
Terrab Solutions is a registered agent/ISO partner. Rates and approval subject to underwriting. Estimates are not a binding quote.
Straight answers
Firearms & ammunition questions
Usually 5–7 business days with FFL, photos of the premises and recent statements
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