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Dash/Process

Regulated products

Standard program

Firearms and ammunition payment processing

Selling firearms online is lawful and tightly proceduralised. Most mainstream processors decline the category as written policy, not as a risk decision.

Commonly assigned MCC

5941 · 5999

The category actually assigned is set at boarding and can differ from these.

Reviewed

The short version

Firearms retail is the clearest case where restricted does not mean risky. Chargeback ratios in the vertical are typically low, average tickets are healthy, and the transfer procedure — shipping to a licensed dealer who runs the background check — is tightly defined.

Acquirers decline it anyway, on reputational policy. That leaves a lawful, well-documented business needing a processor that has actually written the vertical rather than one that will discover it at the first portfolio review.

What is actually being priced

What underwriting is looking at.

Category decline, not risk decline

Most declines here are policy exclusions written at the acquirer, which is why a strong processing history often does not help with a mainstream processor.

Transfer procedure is auditable

Underwriting checks that firearms ship to an FFL holder and that your process matches what your site tells customers.

State-by-state restrictions

Magazine capacity, feature and ammunition rules differ by state, and the enforcement point is your checkout.

What their lists say

Stripe, Square and PayPal on firearms & ammo.

Their own published policies, quoted verbatim and dated, next to where the category stands with our acquiring partners.

Stripe

Restricted · approval required

“Legal firearms and other weapons (Limited availability: Please contact our sales team if you would like to work with Stripe.)”

Square

Prohibited

“sales of (i) firearms, firearm parts or hardware, and ammunition”

PayPal

Prohibited

“ammunition, firearms, or certain firearm parts or accessories”

Dash Process

Standard program

Written as stated policy, not by exception. FFL and restricted-state logic configured at the gateway.

What we ask for
All twenty categories, with sources

In the product

What your application looks like from your side.

The same five stages we publish on the site, a named contact, and the document list for firearms & ammo in one place — received, requested, or not needed.

How it works
Meridian Botanicals/Application
Sandbox
  1. Apply
  2. Underwriting
  3. Approve
  4. Integrate
  5. Live

Underwriting in progress

Acquiring review · Firearms and ammunition program · MCC 5941

In review

Documents · 3 of 4 received

  • Your FFL, or the FFL network you transfer throughReceived
  • Restricted-state and compliance logic at checkoutReceived
  • Catalog split between firearms, ammunition and accessoriesReceived
  • Existing processing statements if you are switchingRequested
Illustrative · figures are fictional, not a quote

What we put in place

  • A program that writes 2A verticals as stated policy rather than by exception
  • Card-present, card-not-present and range or retail POS on one account
  • Gateway rules for FFL transfer and restricted-state logic
  • Written confirmation of category permission before you board

What underwriting will ask you for

Assemble these before you apply anywhere. The list does not get shorter by waiting, and having it ready is the single biggest thing you control about how long this takes.

  • Your FFL, or the FFL network you transfer through
  • Restricted-state and compliance logic at checkout
  • Catalog split between firearms, ammunition and accessories
  • Existing processing statements if you are switching
Why each document is on the list

Questions

About firearms & ammo.

For firearms, yes — a current Federal Firearms License is a condition of the account, and transfers must go through an FFL at the receiving end. Ammunition and accessories without firearms follow a lighter list. We ask for the license on day one, not after three weeks.

On this account

What an account in this vertical usually runs on.

Next

Nutraceuticals and supplements

Tell us about your firearms & ammo business.

We will tell you which of our acquiring partners writes it and what your file needs before it goes anywhere.

Get approvedAsk a questionor call (347) 594-9686