2nd Amendment-friendly payment processing.
The truth is, finding a credit card processor to partner with as a firearms merchant is not easy. While the various legal and regulatory issues (as well as other factors) associated with firearms businesses place you in the so-called “specialty” category, the reality is some credit card processors and banks simply refuse to do business with firearms merchants at all.
Accept payments for firearms online or in-store.
Some processors only allow you to accept payments for firearms in person. Not so with Humboldt. With a firearm merchant account from us, you’ll be able to seamlessly accept credit card payments at your physical location. You’ll also be able to accept payments made over the internet through access to our own, in-house 2nd Amendment-friendly payment gateway. (Note: As weapons must be shipped to a dealer with a Federal Firearms License, your customer will still have to pick up their
Why are gunsellers considered specialty merchants?
There are several reasons that business owners who sell firearms are considered to be specialty merchants,” even by 2nd Amendment-friendly credit card processors.
The higher chargeback ratios that come with operating a firearms business. The high dollar amount of the average firearms transaction. The increased risk of fraud. The presence of age restrictions. Legal and regulatory issues. How does being high risk affect getting approved for a merchant account?
Offering products and/or services associated with the firearms industry doesn’t mean you can’t be approved for a merchant account. However, it does mean you’ll likely be asked to provide a little more documentation regarding your financials and processing history during the application process. This way, your processor can be comfortable with the level of risk they’ll be taking on when partnering with you.
Be prepared to provide the following to your firearms payment processor during the application process.
A voided check displaying your account/routing numbers. 
One year of processing statements. 
One year of bank statements. 
An organizational chart. 
Your certificate of incorporation. What to look for in a 2nd Amendment-friendly payment processor.
When it comes to choosing the right payment processor for your firearms business, you want a partner who understands the unique challenges that come with a firearms merchant account, such as the increased risk of chargebacks and fraud. You’ll also want to partner with a payments technology company that:
Has experience partnering with so-called “hard-to-place” businesses. 
Offers the lowest possible rates for specialty payment processing. 
Can provide the latest payments hardware and software. 
Provides a high level of customer care and technical support. Why HBMS.
When you choose Humboldt Merchant Services as your payment processor, you get more than just a firearm merchant account or a way to accept credit cards. You’re getting a proven partner who knows the unique challenges merchants making firearms sales face.
Partner with the firearms merchant account experts.
Click above to enter your information and a payments expert will contact you, or call 877.840.1952.
