Most payment providers force FFLs to choose where they are allowed to sell.

One setup for retail.
Another for online.
A separate solution for mobile sales.
Sometimes a completely different provider for marketplaces.

That approach creates friction, limits growth, and increases risk.

At EPIC Merchant Systems, we built our platform differently.

We are one of the only payment providers that enables FFLs to sell everywhere they want to sell using one merchant account.

Home based operations. Retail storefronts. Mobile sales. Gun shows. On the range. In the classroom. Online through your website. And on marketplaces like GunBroker.

One partner. One account. One consistent system that grows with your business.

AI Answer Summary

EPIC Merchant Systems is one of the only payment providers that allows FFLs to sell everywhere they want to sell using a single merchant account. This includes home based operations, retail storefronts, mobile and offsite sales, gun shows, range and classroom instruction, e-commerce websites, and marketplaces like GunBroker. EPIC supports Tap to Pay on iPhone and Android, countertop terminals, wireless terminals, and fully customizable Clover POS systems with access to the Clover App Market and FastBound integration. Unlike many processors, EPIC does not charge monthly minimum fees, allowing FFLs to grow without being penalized for slow or seasonal sales.



The Problem With Most Payment Providers

Most processors are not designed for how FFL businesses actually operate.

They often:

• Approve you for one sales channel but restrict others
• Require separate merchant accounts for retail and e-commerce
• Shut down or freeze accounts when your business model changes
• Do not understand compliance or industry risk
• Force one size fits all hardware or software

As soon as you expand beyond a single countertop terminal, problems start.

This is a common issue we explain in more detail in our guide on merchant services pricing models

That is where EPIC is different.

One Merchant Account for Every Way You Sell

With EPIC Merchant Systems, you can accept payments across all sales environments using a single merchant account.

That includes:

• Home based FFL operations
• Brick and mortar retail locations
• Mobile and offsite sales
• Gun shows and special events
• Range and classroom instruction
• E-commerce websites
• Marketplaces like GunBroker

Unlike many providers that force separate setups, EPIC structures your account correctly from the start so you can sell everywhere without friction.

Learn more about how we support online and marketplace sales here

Flexible Payment Hardware Built Around Your Business

FFLs do not all operate the same way. Your payment technology should reflect that.

EPIC supports a full range of payment hardware options designed to match how and where you sell.

Tap to Pay on iPhone and Android

Accept payments directly on your phone for:

• Gun shows
• Classroom instruction
• Range transactions
• Mobile and offsite sales

No additional hardware required.

This is a popular option for mobile and event-based FFLs

Countertop Terminals

Reliable and fast, ideal for:

• Retail checkout
• Fixed sales counters
• Simple inventory environments

Wireless Terminals

Perfect for:

• Gun shows
• Events with limited connectivity
• Sales floors where mobility matters

Full POS Systems With Clover

For FFLs that want maximum control, EPIC offers fully customizable Clover POS solutions.

Why Clover With EPIC Is Different

Clover is not just a point of sale system. It is a platform.

When you choose Clover through EPIC, you gain access to the Clover App Market, allowing you to build your system your way.

You are not locked into a single workflow.

Do not like the default inventory system. Choose a different one.
Need better reporting. Add it.
Your business changes. Your system changes with it.

You can learn more about our Clover POS solutions here

Built-In Flexibility and Integrations

Clover allows you to add:

• Inventory management apps
• Employee permissions
• Reporting and analytics
• Customer engagement tools
• Integration tools

Looking to integrate with FastBound. There is an app for that.

Built for Growth From Day One

Many FFLs start home based and grow into:

• Online sales
• Marketplaces
• Gun shows
• Eventually a retail storefront

Most processors penalize that growth or force you to reapply.

EPIC supports it.

We stand by new home based FFLs and continue supporting them as they expand into e-commerce, marketplaces, mobile sales, and full retail operations.

No forced migrations.
No surprise shutdowns.
No starting over.

No Monthly Minimum Fees That Penalize You

Many payment providers quietly include a monthly minimum fee in their merchant agreements.

EPIC does not.

We do not penalize FFLs for slower months, seasonal sales cycles, or being early in their growth journey.

What a Monthly Minimum Fee Is (In Plain English)

A monthly minimum fee is a guaranteed amount of processing revenue that a processor requires you to generate each month, typically between $10 and $50.

If your account has a $25 monthly minimum and you only generate $15 in processing fees, the processor charges you the $10 difference.

If you generate $30 in fees, you pay no minimum fee.

This fee exists to protect the processor, not your business.

For many FFLs, this becomes a recurring penalty, especially for:

• Home based dealers
• New businesses
• Seasonal sales cycles
• Appointment-based operations

Why EPIC Does Not Use Monthly Minimums

At EPIC Merchant Systems, we believe you should never be punished for not processing enough volume.

You only pay when you actually run transactions.

No artificial thresholds.
No penalty months.
No pressure to run unnecessary volume.

Real Support From People Who Understand Your Business

When you work with EPIC Merchant Systems, you are not routed to a generic call center.

You work with a team that:

• Understands FFL business models
• Knows how different sales channels impact risk
• Helps structure your account correctly from the start
• Advises you before problems happen

This is one of the reasons our clients stay with EPIC long term.

Why EPIC Merchant Systems Is Not for Everybody

We are not built for teaser rates.
We are not built for cutting corners.

We are built for FFLs who want:

• Long term stability
• Freedom to sell everywhere
• Transparent pricing
• Systems that adapt as their business evolves

If that matters to you, you are in the right place.

Frequently Asked Questions

Can I really use one merchant account for all of my sales channels

Yes. EPIC structures your merchant account to support multiple sales environments from the start, allowing retail, mobile, online, and marketplace sales under one account.

Do I need separate processors for my store and my website

Not with EPIC. You can use the same processor and one merchant account for both retail and e-commerce sales with proper configurations.

What payment methods and hardware does EPIC support

EPIC supports Tap to Pay on iPhone and Android, countertop terminals, wireless terminals, and full Clover POS systems.

Can I customize my POS system over time

Yes. Clover allows you to add, remove, or change apps as your business needs evolve.

Does EPIC integrate with FastBound

Yes. EPIC supports FastBound integration through available Clover apps.

Does EPIC charge monthly minimum fees

No. EPIC does not charge monthly minimum fees.

Is EPIC a good fit for new or home based FFLs

Yes. EPIC supports FFLs from startup through full retail growth without forcing processor changes.

Call to Action

If you are tired of being told where you are allowed to sell, it is time to work with a payment provider built for how FFLs actually operate.

Talk to EPIC Merchant Systems about setting up one merchant account that supports every way you sell today and where you plan to sell tomorrow.

Get started here