For federally licensed firearms dealers (FFLs), finding a reliable payment provider can feel like navigating a minefield. With many major financial institutions and payment processors outright refusing to support firearm transactions, it’s essential to understand your options and choose a provider that aligns with your business model and values. Whether you run a retail shop, an online store, or a home-based operation, there are solutions tailored to your needs — but not all payment providers are created equal.

The Challenges for FFLs in Payment Processing

One of the first hurdles FFLs face is discovering that many popular payment processors explicitly prohibit firearm-related transactions. Companies like Square, PayPal, and even some traditional banks have policies that ban or severely restrict the sale of firearms and related goods. This often leaves FFLs scrambling for alternative solutions after being denied service or, worse, abruptly cut off with frozen funds.



Adding to the complexity, even providers that allow firearm sales frequently draw a hard line between retail and online transactions. While some processors permit face-to-face transactions in a retail environment, they refuse to support e-commerce firearm sales due to perceived higher risks and regulatory challenges.

What to Look for in a Payment Provider

When searching for a payment processor that will support your FFL business, consider the following:

1. Firearm-Friendly Policies: Ensure the provider explicitly allows firearm-related transactions, whether in-store or online.
2. E-Commerce Support: If you sell firearms or related goods online, confirm the provider supports these transactions. Some processors allow firearm accessories but not actual firearms.
3. Compliance Expertise: Look for a provider knowledgeable about the specific laws and regulations governing firearm sales, including  requirements and state-specific mandates.
4. Personalized Service: FFL transactions are nuanced, so working with a provider that offers direct, personalized support can save you time and stress.

How EPIC Merchant Systems Supports FFL Businesses

At EPIC Merchant Systems, we understand the unique challenges faced by FFLs because we specialize in supporting firearm businesses of all types. Whether you’re running a home-based operation, a brick-and-mortar retail store, or a thriving e-commerce platform, we provide tailored payment solutions to meet your needs.

What Sets EPIC Merchant Systems Apart?

1. Firearm-Friendly Across the Board: Unlike many payment providers, EPIC Merchant Systems proudly supports firearm transactions, including online sales. We don’t shy away from helping businesses that align with our Pro-American values.
2. Comprehensive Solutions: From home-based FFLs selling firearms locally to large e-commerce platforms, our payment processing solutions are designed to handle all aspects of your business. We even support transactions for firearm accessories, ammunition, and tactical gear.
3. Regulatory Expertise: Our team stays up-to-date on ATF regulations and other compliance requirements to ensure your transactions are processed smoothly and securely.
4. Personal Service: At EPIC, you’ll work with a real person who understands your business, not a faceless call center. We’re here to help you every step of the way.

Final Thoughts

Running an FFL business is demanding enough without worrying about whether your payment processor will support you. By partnering with a provider like EPIC Merchant Systems, you can focus on serving your customers and growing your business while we handle the payment processing complexities.

Don’t settle for a one-size-fits-all solution from a company that doesn’t align with your values. Choose a partner who understands your industry and supports your right to operate a lawful business. Contact EPIC Merchant Systems today to learn how we can help your FFL business thrive.