Firearms · ammo & accessories
An ammunition merchant account that also fits your optics, holsters and parts.
An ammunition merchant account that also fits optics, holsters, slings and parts — in store and online, on one account built for your product mix. Underwritten up front, with next-day funding and a real person on our team who answers when you call.
Ammo and accessories
One account for ammunition, optics, holsters, slings, cases and parts, in store and shipped.
Counter and online
A terminal for the counter and a gateway for your site, settling together to one next-day deposit.
A real person answers
Call our team and a real person picks up.
Ammo is where many apps draw the line
An ammunition merchant account, approved for how you actually sell.
You do not have to sell complete firearms to get turned away. Square, PayPal and Shopify Payments prohibit ammunition along with firearms, and Stripe lists regulated parts among its restricted categories. So an ammo-and-accessories shop often hits the same wall a gun store does, even without an FFL transfer in sight.
We build your ammunition merchant account for your real product mix: what share is ammunition, what share is optics, holsters, slings, cases and parts, and whether you sell in store, ship, or both. That mix goes into the application up front, so your account is underwritten once for how you sell. The dated, sourced policy table for each platform is on the firearms hub.
What your ammunition merchant account includes
- One account for ammunition and accessories, in store and online
- Countertop terminal or POS connection — [supported devices]
- A gateway for your website or marketplace sales — [gateway names]
- Next-day funding on batches closed by [cutoff time], with [confirm: no added fee]
- Interchange plus [your rate % + ¢], plus [$ monthly]
- MCC coding confirmed for your state As of October 2026.
Every fee is on the pricing page and page one of your agreement. If you also sell complete firearms, see FFL gun stores or online & GunBroker; for the funding timing, see how funding works. Coding for ammunition varies by state — see the MCC 5723 state guide — and you can review the full FFL underwriting packet checklist → before you apply.
Ammunition merchant account questions
I only sell ammo and accessories, no firearms. Do I still need a specialized account?
Usually, yes. Square, PayPal and Shopify Payments prohibit ammunition, and Stripe lists regulated parts among its restricted categories, so a standard flat-rate app can still turn you away or review you later. We underwrite your ammunition merchant account for your product mix up front.
Do you need my FFL if I only sell accessories?
It depends on what you carry. Optics, holsters, slings and cases generally do not require an FFL; ammunition and certain regulated parts may change what underwriting asks for. Tell us your mix and we will tell you exactly what is needed. Excluded products: [any excluded products].
Can I run ammo in store and accessories online on one account?
Yes. We set up a terminal or POS for the counter and a gateway for your website, both on the same merchant account, so your deposits come together and fund the next business day.
Will shipping ammunition cause a problem?
It’s much less likely to when your shipping practice is on the application. We put your shipping practice in the application so underwriting expects it. Any processor can review a payment, but realistic numbers at approval make that far less likely.
What does it cost, and how fast do I get paid?
Interchange plus our markup of [your rate % + ¢], and a monthly fee of [$ monthly]. Batches closed by [cutoff time] fund the next business day. See pricing →
Selling ammo or accessories and getting turned away?
Send your statement and our team will show you the numbers — your current cost, your Moneybox cost, and the difference in dollars. If switching would not help, we will tell you that too.
Prefer to talk? [call or text our team — number]