Dedicated gun-friendly credit card processors for firearms dealers, FFL licensees, gun stores, and ammunition retailers. Real underwriting, stable dedicated merchant accounts, 500+ integrations, and fast approval with real underwriting, 1-4 business days on clean files. 100,000+ businesses, $12B+ processed, 13+ years.
13+ years underwriting firearms operators
Dedicated account manager who knows the 2A vertical
About 7 minutes · No obligation · Real underwriter quote
9:30
L
Lewis Adkins
Sale at 06:16 PM
$1,345.00
K
Kelly Sims
Refund at 08:23 PM
$12.00
L
Lucy Horton
Sale at 11:10 PM
$5,737.00
L
Lewis Adkins
Sale at 03:34 PM
$1,345.00
Dashboard
Orders
Easy Charge
Customers
Other
FFL · Verified
Firearms MID · Active
Account manager · Live
Trusted by firearms operators and 100,000+ businesses
A selection of 100,000+ businesses we support all with dedicated merchant accounts, including high-risk categories like firearms and ammunition.
100K+ Businesses
$12B+ Processed
13+ Years
500+ Integrations
Built for firearms credit card processing, done right
Gun-friendly credit card processing on dedicated MIDs, with real underwriting for FFL dealers, gun stores, and ammunition retailers.
Get StartedBuilt for firearms businesses
Gun-friendly credit card processing underwritten for FFL dealers, gun stores, and ammo retailers.
Stable, dedicated merchant accounts
Your own MID, not a shared aggregator pool that drops firearms accounts at the first flag.
500+ integrations
Connect your point-of-sale, e-commerce cart, and inventory tools with 500+ integrations.
Real underwriting for 2A merchants
A human reviews your file, not an algorithm that auto-declines gun-related verticals.
Firearms, ammunition, and related categories we underwrite:
Second Amendment compliant businesses supported. We will not cancel you for your category.
Most aggregators terminate firearms accounts at the first flag. A dedicated MID is underwritten specifically for your firearms business.
| Feature | Easy Pay Direct dedicated account | Payment Facilitator / PayFac     |
|---|---|---|
| Account type | Dedicated MID, your business's name on file | Shared account with thousands of others |
| Getting shut down | Rare. Real underwriting means fewer surprises | Frozen funds and account terminations are common |
| Volume caps | Process what your business needs | Hit a ceiling, get flagged, get held |
| Chargeback support | Human team fights disputes with you | You're on your own |
| Integrations | 500+ integrations, we work with your stack | Locked into their platform |
| Firearms coverage | FFL dealers, gun stores, gunsmiths, and accessories, all banked | Firearms flagged, watchlisted, or banned outright |
| Ammunition | Ammo sales approved and underwritten | Ammunition excluded as a prohibited category |
| Approval | Real underwriting in 1-4 business days | Approved, then account reviewed later. Causing holds or shutdowns |
| Account manager | Dedicated human who knows your business | Support ticket queue |
| When things break | Text your account manager | Wait for chat, hope for a response |
The cheapest processor is the one that doesn't shut you down. If your account froze tomorrow, could you make payroll? That's the real cost of picking on rate alone.
And that "low rate" a PayFac advertises? It's never what you actually pay.
We structure approvals around your business model to ensure long-term payment stability.
Apply
Submit your business details.
Verify
Upload supporting documents
Underwriting
Our bank relationships, your advantage
Go Live
Start processing with confidence Plus continued optimization and support
Simple, Transparent Pricing You Can Trust
Clear pricing and honest terms, so you always know what to expect.
Online Card Rate
2.69% + $0.36
per transaction
Setup Fee
$99
waived if documents are submitted within 24 hours
Monthly Fee
Typically $25
varies by business type and volume
Custom pricing is available for higher-volume merchants. Every account includes chargeback tools, decline recovery, and access to 30+ banking partners.
No obligation, fast approval, real support
Get More Transactions Approved
Payments Success Rate
0
%
+24%
Success
2,981
Failure
171
Top 5 Failure Reasons
Insufficient funds
Issuer declined
3D secure failed
Timeout
Card expired
Operators like Frank Kern, Dean Graziosi, Amy Porterfield, Perry Belcher, Ryan Deiss, Hal Elrod, and Roland Frasier have processed with Easy Pay Direct, among 100,000+ businesses.
TK
Timothy Krulia
3 reviews
"We've worked with Easy Pay Direct for years. They have helped secure merchant accounts that pair well with our client's needs, and have excellent customer service supporting these accounts. I highly recommend Easy Pay Direct as a trusted merchant provider."
JM
Jim Morales
3 reviews
"EPD are rockstars at E-Commerce merchant processing service. We've been very happy since switching to them and they're always reliable, fast to respond and act with an ownership mindset. Valued partners we hope to grow with in the future!!!"
J
Jesse
Trustpilot review
"All the right stuff. Great company. Flawless communication. They integrated with my shopping cart and did all the work for me. I can text or call them anytime and get a response almost immediately. Ease, competence, and the results I sought. I highly recommend!"
Answers to the most common questions about gun-friendly credit card processors, FFL-friendly merchant accounts, and ammunition payment processing.
What are gun-friendly credit card processors?
Why do firearms businesses need gun-friendly credit card processing?
Which firearms businesses does Easy Pay Direct support?
What is a gun-friendly merchant account?
How fast can a firearms business get approved?
Does Easy Pay Direct support FFL dealers?
Can Easy Pay Direct process ammunition payments?
What integrations are available for gun store credit card processing?
How does 2A friendly credit card processing differ from generic high-risk processing?
What does gun-friendly credit card processing cost?
Tell us about your business and a specialist will follow up within one business day. Fast approval with real underwriting, typically 1-4 business days on clean files.
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