Firearms · NFA / SOT dealers
An NFA dealer merchant account, with your high tickets approved up front.
An NFA dealer merchant account for Class 3 / SOT dealers, suppressors, SBRs and high-ticket NFA inventory. We underwrite your account for the big sales you actually make, so a $1,200 suppressor or a $4,000 build is on file before it ever runs. Next-day funding and a direct line to a real person on our team.
High ticket, up front
Suppressors, SBRs and Class 3 builds approved for your real tickets, so a large NFA sale is expected, not a red flag.
Long transfers handled
Deposit-and-balance payments cleared for the long NFA transfer timeline, so a split payment is not unusual.
A real person answers
Call our team and a real person picks up.
High tickets are the whole point
An NFA dealer merchant account approved for the sales you actually make.
High-ticket NFA sales are a common review trigger when underwriting wasn’t told to expect them. A single suppressor or a short-barreled rifle build can be several times a flat-rate app’s idea of a normal sale, and that is exactly the kind of transaction that gets a deposit held while someone asks what it was. On an NFA dealer merchant account underwritten for your real tickets, a large NFA sale is expected, not a red flag.
We put your average ticket, your high ticket, your SOT status and your transfer and deposit practice into the application up front. NFA transfers take time, and buyers often pay a deposit and the balance later; we make sure that pattern is approved so it does not look unusual when it runs. The dated firearms-policy table for the major platforms is on the firearms hub.
What your NFA dealer merchant account includes
- High ticket approved up front for suppressors, SBRs and Class 3 builds
- Deposit-and-balance handling for long NFA transfer timelines
- Countertop terminal, POS or a gateway for online quotes — [supported devices / gateway names]
- Next-day funding on batches closed by [cutoff time], with [confirm: no added fee]
- Interchange plus [your rate % + ¢], plus [$ monthly]
- Reserve terms, if one applies, stated before you sign — [reserve terms]
Every fee is on the pricing page and page one of your agreement. If you also run a retail counter or sell online, see FFL gun stores and online & GunBroker. For funding timing, see how funding works. Firearms-specific MCC rules vary by state — see the MCC 5723 state guide.
NFA dealer merchant account questions
Will I have a reserve?
Sometimes. New businesses, online-heavy sellers and NFA dealers are more likely to be asked for one than an established storefront. If a reserve is required, you’ll know the percentage and the release schedule before you sign. Typical reserve terms: [reserve terms].
Can my high-ticket sales really be approved up front?
Yes — that is the point of underwriting an NFA dealer merchant account properly once. We put your high ticket in the application so a $1,200 suppressor or a $4,000 build is expected. Any processor can still review a payment, but realistic numbers at approval make that far less likely.
How do you handle deposits on NFA transfers?
NFA transfers take time, and buyers often pay a deposit and the balance later. We put that practice in your application so the split payment pattern is approved and does not look unusual when it runs.
Do you need my SOT and FFL?
Yes. Your FFL and SOT status go in the packet, along with the NFA items you deal in. Excluded products: [any excluded products]. See the packet checklist →
How long does approval take, and what does it cost?
For a complete packet, typically [approval timeline]. Pricing is interchange plus our markup of [your rate % + ¢], and a monthly fee of [$ monthly]. See pricing →
Tired of big NFA sales triggering a hold?
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]