Merchant accounts · firearms, retail & ecommerce
Underwritten properly once. Paid the next business day.
Moneybox sets up real merchant accounts for firearms businesses, Main Street shops and online stores. We check everything before you go live, so surprise reviews are far less likely later — next-day funding is included, every fee is in plain numbers, and when you call, a real person answers.
No cost to review. You get the dollar difference in writing — or we tell you if switching wouldn’t help.
Why merchants call us
- We work with businesses Square, PayPal and Shopify Payments turn away
- Next-day funding, with no instant-payout fee
- Interchange-plus pricing you can read on one line
- A person who picks up when a hold or a big sale hits
Underwritten properly once · Next-day funding · Talk to a real person: [direct line] · [reviews: add when real]
Two kinds of businesses. One straight-talking processor.
Firearms
Built for FFLs, ammo, accessories and ranges
Gun stores, online and GunBroker sellers, ammo and accessory shops, NFA/SOT dealers and ranges. We know the paperwork, the MCC 5723 state rules and the gun-show setup, and we build your file so underwriting has what it needs on the first pass.
Business
For shops and online stores that outgrew flat rate
Retail, services and ecommerce. If you’re paying a flat rate on $10,000 or more a month, there’s a good chance you’re paying more than you need to. Send a statement and we’ll show you the number.
Restaurants that need an online ordering system aren’t a fit for us. We’d rather tell you now.
Why underwriting up front protects you
Fast approval is easy. Keeping your money flowing is the hard part.
Apps like Square and Stripe let you take cards in minutes, then do most of their checking afterward — once money is already moving. When something doesn’t match what they expected, like a big order or a spike in sales, the account can be reviewed, deposits held, or the account closed. Public complaint records are full of merchants describing holds that lasted weeks or months.
We do the checking first. Before your application goes in, we line up your legal name, bank account, website, products, average ticket and largest ticket so they all match, and the account is approved for how your business actually runs. That takes a little longer at the start. It’s also why surprise reviews are far less likely afterward.
Your real numbers, approved up front
Your monthly volume, average sale and largest sale go in honestly, with room to grow.
No mismatches to trip on
Name, EIN, address, bank and website all line up before submission — the things that trigger underwriting reviews.
A person in your corner
If a large sale triggers a review, call us. We work it with the processor, so you’re not stuck in a ticket queue.
Any processor can review or hold a payment, including ours. Doing the work properly up front makes that much less likely — and if it happens, you’ll know who to call. Why processors freeze funds →
Fast access to money
Your money in your bank the next business day.
Close your batch by [cutoff time] and the funds are deposited the next business day. Next-day funding comes standard with your account — it isn’t an upgrade you pay extra for.
On many flat-rate apps, getting money faster costs extra. Stripe charges 1.5% for Instant Payouts and Square charges 1.95% for instant transfers. As of October 2026.
What you’d stop paying for faster money
Stripe Instant Payouts
1.5%
Square instant transfer
1.95%
Moneybox next-day funding
Included
Competitor rates as of Oct 2026. Next-day funding applies to eligible accounts on batches closed by the daily cutoff.
Pricing in plain numbers
You see the card networks’ cost, plus our markup. That’s it.
You pay interchange — the card networks’ actual cost — plus our markup, which is a set percentage and a set cents per transaction. Both are on every statement. No “qualified / non-qualified” tiers, so the price doesn’t change depending on which bucket a card lands in.
Every fee we charge is listed on our pricing page and on page one of your agreement. If anything changes, you hear it from us in writing first. See full pricing and a worked sample statement →
How it works
1
Send your statement
Upload last month’s processing statement from any provider. We reply within [1–2 business days] with what you paid, what you’d pay with Moneybox, and the difference in dollars.
2
We pre-check your application
We tell you exactly which documents we need, check that everything matches, and fix gaps before anything goes to underwriting.
3
Go live and get paid next day
We set up your terminal, gateway or GunBroker checkout, run a test, and your deposits start landing the next business day.
Common questions
Why does approval take longer than Square or Stripe?
Because we do the checking before you go live, not after. Apps that approve in minutes review you later — sometimes after money is already in their hands. We’d rather spend a few extra days up front so your account is built for how you actually do business. Typical approval for a complete file: [your typical range].
How fast do I get my money?
Batches closed by [cutoff time + time zone] are deposited the next business day. Next-day funding is included at no extra charge. Weekend and holiday timing: [confirm].
Can my money still be held?
It can. Any processor can review a payment, and new accounts often have a short review on their first transactions. A sale far above your approved amount, or a high chargeback rate, can also trigger one. We approve you with realistic numbers to keep that unlikely, and if a review happens, we call the processor for you.
What does it cost?
Interchange (the card networks’ cost) plus our markup of [your rate % + ¢], and a monthly fee of [$ monthly]. Every fee is on our pricing page. To see your exact number, send a statement.
Is there a contract or a cancellation fee?
Contract term: [term]. Early termination fee: [$ or none]. Both are on page one of your agreement, in numbers.
Do you work with firearms businesses?
Yes — FFL retail stores, online and GunBroker sellers, ammo and accessory shops, NFA/SOT dealers and ranges. See firearms processing →
Do I need new equipment or a new website?
Usually not a new website. We connect a gateway to WooCommerce, BigCommerce, Shopify (Shopify charges its own fee for outside gateways) or GunBroker. For in-store, we’ll tell you whether your current terminal works or what a replacement costs.
Do you work with restaurants?
Not restaurants that need an online ordering or table-service system. That’s not what we’re set up for, and we’d rather say so up front.
Find out what you’re really paying.
Send last month’s statement. We reply with your current cost, your Moneybox cost, and the difference in dollars. If switching wouldn’t help, we’ll tell you that too.
Prefer to talk? [call or text our team — number]