HIGH‑RISK • FIREARMS • FFL • RANGES • TRAINING
Firearms & FFL Payment Processing
Get approved with a processor that understands firearms commerce. Selective Pay supports licensed FFL dealers, indoor/outdoor ranges, gunsmiths, and training classes—covering in‑store POS, FFL transfer workflows for online orders, age‑gated checkout, and the risk controls you need to keep fraud and chargebacks in check.
Who we support
FFL dealers (01/02/07)
Retail storefronts and boutiques—handguns, long guns, optics, and accessories. Multi‑location welcome.
Ranges & Memberships
Lane fees, memberships, rentals, classes, and waivers with in‑person and online checkout flows.
Gunsmiths & Training
Service invoices, deposits, and training programs with clear receipts and terms.
E‑commerce & MOTO
Cart checkout with age‑gating, AVS/CVV, velocity, and state restrictions; phone orders via Virtual Terminal where appropriate.
Wholesale & B2B
ACH/EFT for distributors and law‑enforcement sales; optional Level 2/3 for corporate cards where applicable.
In‑Store POS
Smart Terminals & POS
Tap/chip, barcode scanning, item categories, and SMS/email or printed receipts. Inventory and customer profiles optional.
Age Verification Prompts
Prompt for DOB or Scan ID with compatible hardware. Configure prompts per item category to reduce errors at checkout.
Easy Reconciliation
Clear batch/fee/payout reports so month‑end matches deposits—no guessing at your effective rate.
Online Checkout & FFL Transfer Workflow
Selective Pay Gateway
- Hosted payment pages & links for quick launches
- Cart integration options; tokenized customer vault
- Age‑gate step, AVS/CVV, velocity and IP rules
- FFL transfer capture (dealer info) and order hold until verified
Virtual Terminal & Invoicing
- Phone/mail orders with saved customer profiles
- Deposits and layaway invoicing with clear terms
- ACH/EFT for agency/LE and wholesale invoices
Compliance Basics
Age‑Gating & Restricted Items
Enforce age requirements on applicable items and exclude prohibited products. We do not support ghost guns/PMFs, auto sears, or other prohibited items.
State & Local Restrictions
Honor state and local rules (e.g., purchase age, product type, magazine capacity). Our gateway can block checkout or shipping by your restricted jurisdictions list.
Clear Policies
Publish refund/return, shipping, transfer, and range/training policies. Include visible support email/phone and receipts with terms to reduce disputes.
Risk & Fraud Controls We Enable
AVS/CVV & Velocity
Block mismatches, limit attempts, cap per‑card and per‑IP Volume, and set daily max order thresholds.
3‑D Secure (2.0)
Step‑up authentication on risky e‑commerce orders; protect conversion on trusted customers.
Descriptor Clarity
Test soft/hard descriptors and send instant receipts to reduce “no recognition” chargebacks.
Chargeback Alerts
Where available, alerts let you refund proactively before a dispute posts—lower fees and time spent.
Blacklist & Allow‑List
Block abusive cards/emails/IPs and whitelist trusted wholesale customers.
Reports That Match Deposits
See batches, fees, and payouts clearly so you can reconcile quickly at month‑end.
Pricing & Program Options
Transparent Pricing
- Interchange‑plus where eligible; clear assessments
- Flat‑rate options for simplicity
- ACH/EFT for wholesale and large tickets
Checkout Programs
We deploy only compliant options. Dual pricing or credit‑only surcharge may be available for in‑store (no surcharge on debit). Clear signage and receipt language included.
What Underwriting Needs
Business & Owners
- Gov’t ID for owners >25% and EIN/formation docs
- Voided check/bank letter
- W‑9 and physical address verification
Operational
- 3–6 months processing statements (or forecast)
- Shipping/transfer and return policy
- Sample receipts, invoices, and range/training waivers
Licensing & Site
- Current FFL copy (as applicable)
- Website with clear product descriptions/pricing
- Support email/phone published
Getting Started
- Quick review (24–48h): Share site/menu and recent statements.
- Underwriting package: We propose MCC, pricing, reserves (if needed), and gateway rules.
- Approval & setup: Descriptor test, PCI/SAQ, age‑gate & shipping settings, alerts.
- Go live: Test orders + staff training; monitor first 30 days together.
FAQs
Do you support online firearm sales?
We support lawful online ordering with FFL transfer—checkout captures the receiving FFL info and the order is held until verified. Firearms are shipped according to applicable rules; the receiving dealer completes the required transfer steps.
Which items are prohibited?
We do not support ghost guns/PMFs, auto sears/switches, bump stocks, or other prohibited items. Additional restrictions may apply by sponsor bank and jurisdiction.
Can I accept subscriptions?
Memberships/classes are supported. Product subscription programs are subject to rules; if allowed, we’ll implement clear consent, reminders, and easy cancellation..
Will there be a reserve?
Possibly, depending on history, ticket size, and chargebacks. We negotiate terms and work toward release once performance stabilizes.
Which POS do you recommend?
We deploy Clover, Talech, OnePOS, Poynt, and PAX depending on your store size, inventory, and staffing. We’ll size hardware and features to your needs.