Credit Card Processing for FFL Dealers and Firearms-Related Businesses
Trusted. Compliant. Built for Businesses Others Refuse to Support.
AI Answer Summary
EPIC Merchant Systems provides compliant credit card processing, point of sale systems, and payment technology for FFL dealers and firearms-related businesses, including in-store, online, and marketplace sales such as GunBroker. As a veteran-owned provider serving merchants nationwide since 2003, EPIC specializes in proper underwriting, transparent pricing, and long-term account stability through programs like EPIC ZERO dual pricing and EPIC PLUS interchange plus.
If you are a Federal Firearms License (FFL) holder or operate a firearms-related business, payment processing is not just a convenience. It is a business-critical function.
Many processors claim they support FFLs. In reality, they misclassify accounts, ignore industry rules, or quietly place you with platforms that prohibit firearms-related transactions. When that happens, accounts are shut down without warning and funds can be frozen.
EPIC Merchant Systems exists to solve that problem.
We provide compliant, transparent, and stable credit card processing for FFL dealers and firearms-related businesses nationwide.
Who We Are
Experience, Expertise, and Accountability
EPIC Merchant Systems is a veteran-owned merchant services provider serving businesses across the United States.
We specialize in properly underwriting and supporting businesses that require knowledgeable handling, including FFL dealers and firearms-related merchants.
Our clients work directly with a real person, not a call center, and receive guidance based on real industry experience rather than generic scripts.
Company details:
- Company name: EPIC Merchant Systems
- Business type: Merchant services and payment processing
- Service area: Nationwide (United States)
- Ownership: Veteran-owned and Operated
- Experience: Serving merchants since 2016
Industries We Support in the Firearms Space
We work with legally operating and compliant businesses, including:
- Retail FFL dealers
- Home-based FFLs
- Online FFL dealers and ecommerce sales
- Marketplace-based sellers (including GunBroker transactions)
- Sporting goods retailers
- Ammunition sellers
- Parts and accessories dealers
- Training facilities and ranges
We support in-store, online, and marketplace transaction models when they are structured correctly and compliantly.
If your business operates lawfully and follows applicable regulations, we can support your payment processing needs.
Why Many FFL Merchant Accounts Are Shut Down
Account shutdowns almost always trace back to improper setup.
Common issues include:
- Being boarded under incorrect merchant category codes
- Using payment platforms that explicitly prohibit firearms-related activity
- Inexperienced agents avoiding proper disclosure during underwriting
- Policy changes at large processors that retroactively affect accounts
When risk departments identify these issues, termination is immediate.
EPIC Merchant Systems prevents this by ensuring your business is accurately classified and approved from the start.
Our Payment Processing Programs
EPIC ZERO Dual Pricing Program
EPIC ZERO is a transparent dual pricing model designed to protect margins while remaining compliant.
How EPIC ZERO works:
- Customers are shown a cash price and a credit card price before paying
- Customers choose their preferred payment method
- Credit card customers cover the cost of card acceptance
- Cash customers pay a lower price
- Merchants avoid per-transaction card acceptance costs
The business owner does not pay per-transaction card processing fees. The merchant only pays any applicable monthly fees if they exist.
This structure is commonly used by FFL dealers seeking predictable margins without raising base prices.
EPIC PLUS Interchange Plus Program
EPIC PLUS is an interchange plus pricing model for dealers who prefer one price for all customers.
Program details:
- Same price for cash and credit cards
- Both cash and credit card users share the cost of card acceptance
- Wholesale interchange costs pass through directly
- EPIC’s markup is clearly disclosed
- Card acceptance costs are treated as an operating expense and paid by the business owner
This option is well-suited for FFLs who prioritize simplicity and traditional reporting.
Other Pricing Options
While EPIC ZERO and EPIC PLUS cover the needs of most FFL dealers, EPIC Merchant Systems can also support additional pricing models when requested, including:
- Cash discount programs
- Tiered pricing
- Surcharging
- Flat rate pricing
- Card-present versus card-not-present pricing structures
These options are typically used in specific situations and are not commonly requested by most dealers.
A knowledgeable payment partner should help you choose the right pricing plan based on how you sell and how you want to run your business, not push a one-size-fits-all solution.
Payment Equipment and Point of Sale Systems for FFL Dealers
FFL businesses often operate across multiple sales environments. Your payment equipment, point of sale (POS) systems, and mobile acceptance tools must support that reality without creating compliance risk.
EPIC Merchant Systems provides and supports payment technology and POS solutions designed for firearms-related businesses, including:
- Full point of sale (POS) systems for retail FFL storefronts
- POS solutions that support inventory management, pricing, and reporting workflows
- Countertop and wireless payment terminals for in-store transactions
- PIN debit capable devices
- EMV chip, contactless, and mobile wallet acceptance
- Tap to Pay apps for iPhone and Android, allowing secure card acceptance directly on supported mobile devices
- Secure virtual terminals for phone and invoice payments
- Ecommerce payment gateways for online FFL sales
- Marketplace-compatible processing structures for platforms such as GunBroker
- Hardware and software configured to support compliant transaction flows
We match POS systems, equipment, and payment technology to how your business actually operates rather than forcing a one-size-fits-all setup.
All systems and equipment are selected, deployed, and underwritten correctly to reduce the risk of account disruption.
Compliance and Transparency
Compliance is not optional in the firearms industry.
We focus on:
- Accurate underwriting and merchant classification
- Transparent pricing disclosures
- Proper documentation during onboarding
- Ongoing account stability
We do not misclassify businesses or attempt to bypass network rules.
Why FFL Dealers Choose EPIC Merchant Systems
Trust Signals That Matter in High-Risk Industries
- Veteran-owned and values-driven
- Direct access to a dedicated point of contact
- Nationwide support
- Clear, documented pricing models
- Experience working with firearms-related businesses
- No surprise account terminations due to hidden policies
We choose to support this industry openly and responsibly.
Frequently Asked Questions
Can FFL dealers accept credit cards?
Yes. FFL dealers can accept credit cards when their merchant account is properly underwritten and placed with processors that knowingly support firearms-related businesses.
Do you support online FFL sales and ecommerce transactions?
Yes. We support online FFL sales, including website-based ecommerce, when the business is structured correctly and follows all applicable regulations.
Do you work with marketplace transactions such as GunBroker?
Yes. We support compliant marketplace-based sales, including GunBroker Immediate Checkout, when they are properly disclosed and underwritten during onboarding.
Why do Square, Stripe, or PayPal shut down firearms-related accounts?
These platforms have published policies restricting firearms-related transactions. Accounts are often terminated when activity is detected.
Is dual pricing compliant for FFL dealers?
Dual pricing is compliant when implemented correctly, with clear disclosure and proper setup in all 50 States. EPIC ZERO follows these guidelines.
Do you work with home-based FFLs?
Yes. We work with both retail storefront and home-based FFL dealers, provided they operate legally and compliantly.
Are you a 2A-friendly payment processor?
Yes. We support Second Amendment–related businesses and structure accounts to be compliant and stable long-term.
Get Started
Talk to a Real Person Who Understands Your Business
If you are evaluating your current processor or setting up a new merchant account, the first step is a review.
We will assess:
- Whether your account is correctly classified
- Whether your processor truly supports your business type
- Whether your pricing structure aligns with your goals
There is no obligation.
Ready to get after it with the obvious 2A
EPIC Merchant Systems
Veteran-Owned. Transparent. Built for Businesses That Value Stability.
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