FFL Gun Dealers Can Accept Credit Cards With New Lower Rates!


FFL Gun Dealers Can Now Accept Credit Cards Online, In Your Store, Over the Phone or at Trade Shows!



We have Set-Up Thousands of FFL Gun Dealers. We’ll be here when you need us. We have 24 Years Experience doing Firearms Credit Card Processing. We have real humans answering our phones so you can talk to us any time you want!  You won’t go through a Voice Mail system to talk to our gun dealer merchant servicesCustomer Support Specialist. Even if our office is closed our Merchants enjoy 24/7 support, unlike other FFL Credit Card Processors and FFL Merchant Services.  Call us now at 1-800-757-5453.  Use the Fast Charge Payment GatewayTM Virtual Terminal to process your Credit Card Sales.  The Fast Charge Payment GatewayTM“ Virtual Terminal” takes the place of a credit card terminal or processing software. We can also set you us with the eProcessing Network for Gunbroker sales.


  • RETAIL FFL DEALER Merchant Service
  • We LOVE Online Gun and Ammo Sellers
  • U.S.A. Based Support
  • Ammo and Magazine Sellers Welcome
  • Card Processing FOR GUN DEALERS
  • Free Online Virtual Terminal
  • Website Payment System
  • Gun Broker Credit Card Processing
  • Gun Show Mobile Payments
  • FREE Merchant Account Support

FFL Dealers Accept CreditA Federal Firearms License (FFL) is a license that enables an individual or a company to engage in a business pertaining to the manufacture of firearms and ammunition or the interstate and intrastate sale of firearms. Holding an FFL to engage in certain such activities has been a legal requirement within the United States of America since the enactment of the Gun Control Act of 1968.

We Offer FFL Gun Dealer Friendly Credit Card Processing for both retail gun dealers and online FFL gun dealers. We know your business and won’t shut your account down because you sell on the internet !

FFL Gun Dealers

“As much as 80% of impulse purchasing can be lost to business owners that do not accept charge cards and average order size increases by as much as 46% over a cash sale” (Forbes Magazine).

With the threats of stricter Gun Control laws and even the threat of banning certain firearms, Credit Card Processing Companies have been making it very difficult to get a Merchant Account. In fact they have been imposing Volume Restrictions and even closing good merchants who have been in business for many years. This is because the bank card processors fear getting hit by hundreds of chargebacks from Gun & Ammo Dealers who can’t fulfill their orders. This is a good time to find a “2nd Amendment Friendly” Credit Card Processor Who Understands the Gun & Ammo Business.


Gun & Ammo Merchant Accounts:

Electronic Transfer, Inc. is a Nationwide Credit Card Processing company with 24 Years’ Experience.  Electronic Transfer has been specializing in Credit Card Processing for Gun and Ammo Dealers for the past five years.

With thousands of firearms dealer merchant services set up we understand your business and talk your language. We know what a FFL Gun Dealer is and we know the difference between a Class I or Class III firearms dealer. Give us a call and find out!

Gun Dealer Credit Card Processing


A Little MORE About Us:

  • Dun and Bradstreet Listed: In Business Since 1989
  • BBB A+ Listed
  • NRA Member
  • NRA Business Alliance Listed
  • Visa, MC, Amex and Discover PCI/CISP Certified
  • Secure 3DES Account Number Encryption
  • Secure 256-bit SSL Encrypted Payment Gateway


We work with all of the following Gun Dealer Friendly shopping carts. If you have one that is not on this list please call us because it may still work.

  • Magento
  • The GemCart
  • OpenCart
  • ShopSite
  • GunBroker
  • GunAmerica
  • VirtueMart
  • Blesta (Client Management Billing System)
  • WordPress + Shopp
  • WordPress + eStore
  • Zen Cart
  • 3dCart
  • X-Cart
  • Interspire
  • PDG Soft
  • Prestashop
  • AgoraCart
  • Storesprite
  • UberCart
  • eProcessing Network (EPN Cart)
  • ZenMagick
  • TomatoCart
  • DigiStore
  • SpreeCommerce
  • ZeusCart
  • JadaSite
  • Ecommerce Shopping Cart
  • jCart
  • CF Shopkart
  • DashCommerce
  • ASP.Net
  • Idut Shop
  • OsCommerce
  • Joomla

NRA credit card processing




firearms payment processing

Veterans Receive Letters From VA Prohibiting Ownership of Firearms

US veterans are receiving letters from the government informing them that they are disabled and not allowed to own, purchase or possess a firearm. If the veteran does decide to purchase a firearm he will by fined, imprisoned or both.

The letter provides no specifics on the reasons for the proposed finding of incompetency; just that is based on a determination by someone in the VA. In every state in the United States no one can be declared incompetent to administer their own affairs without due process of law and that usually requires a judicial hearing with evidence being offered to prove to a judge that the person is indeed incompetent. This is a requirement of the Fifth Amendment to the U.S. Constitution that states that no person shall “… be deprived of life, liberty, or property without due process of law…”.

The phrasing is “after a determination of incompetency”. This is in a letter proposing that the recipient is incompetent. It isn’t entirely out of place, as many veterans are gun owners or even enthusiasts. However, while I don’t know the law enough to say for certain, the “determination of financial incompetence” does not seem to prohibit firearm purchase. If there are any legal people reading this, commentary would be appreciated.

Of more concern is the “do nothing and we will declare you incompetent” clause and a request that you prove your competence. That clearly puts the shoe on the wrong foot. In fact, that’s seems such a flagrant breech of procedure that I have to question whether this is even real.

The letter provides no specifics on the reasons for the proposed finding of incompetency; just that is based on a determination by someone in the VA. In every state in the United States no one can be declared incompetent to administer their own affairs without due process of law and that usually requires a judicial hearing with evidence being offered to prove to a judge that the person is indeed incompetent. This is a requirement of the Fifth Amendment to the U.S. Constitution that states that no person shall “… be deprived of life, liberty, or property without due process of law…”.

Obviously, the Department of Veterans Affairs can’t be bothered by such impediments as the Constitution, particularly since they are clearly pushing to fulfill one of Obama’s main goals, the disarming of the American people. Janet Napolitano has already warned law enforcement that some of the most dangerous among us are America’s heroes, our veterans, and now according to this letter from the VA they can be prohibited from buying or even possessing a firearm because of a physical or mental disability.

Think about it, the men and women who have laid their lives on the line to defend us and our Constitution are now having their own Constitutional rights denied. There are no clear criteria for the VA to declare a veteran incompetent. It can be the loss of a limb in combat, a head injury, a diagnosis of PTSD, or even a soldier just telling someone at the VA that he or she is depressed over the loss of a buddy in combat. In none of these situations has the person been found to be a danger to themselves or others. If that was the case than all of the Americans who have suffered from PTSD following the loss of a loved one or from being in a car accident would also have to be disqualified from owning firearms. It would also mean that everyone who has ever been depressed for any reason should be disarmed. In fact, many of the veterans being deprived of their rights have no idea why it is happening.

The answer seems to be it is simply because they are veterans. At the USJF we intend to find the truth by filing a Freedom of Information Act request to the Department of Veterans Affairs to force them to disclose the criteria they are using to place veterans on the background check list that keeps them from exercising their Second Amendment rights. Then we will take whatever legal steps are necessary to protect our American warriors.



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Credit Card Processing:

Credit Card Machine | Machines For Credit Card Processing


A credit card machine is a type of machine that can do credit card transactions. A couple of types of credit card machines are available to merchants. Most have the same basic purpose and functions. They allow a merchant to insert, swipe, or key in manually the required credit card information and transmit such data to the merchant service provider for authorization and then later on the transfer the fund to the merchant.

Most new models not only process credit and debit cards but can also handle gift cards, checks and so on. The majority of card machines transmit data over a standard telephone line or an Internet connection (either wired or wireless). Some also have the ability to cache transactional data and transmit the data to the gateway processor when a connection becomes available; immediate authorization is not available at the time the card was processed which can subsequently result in failed payments. Remote wireless machines can transmit card data using either cellular or satellite networks.

credit card machines

Retail Merchants have largely moved to using credit card machines to directly capture swiped card information instead of manually entering in card details. This provides an efficiency benefit of decreased transaction processing times. Previously, merchants could obtain lower processing costs by processing chip cards instead of magstripe cards.
Key functionality of a card machine

Modern card machines have multiple features. Depending on the needs of the merchant and the type of transactions processed by the card issuing bank, key operations and functions include:

Acceptance of credit, charge, and debit cards (both domestic and foreign, however foreign cards might have higher processing costs)
Key Entry (for Customer Not Present mail and telephone order)
Tips / Gratuities
Refunds and Adjustments
Settlement (including Automatic)
Remote Initialisation and Software update
POS Integration
Multi-merchant Capabilities
Pen or PIN authorization by the customer
Surcharge Function
Secure Password Operation



credit card machine

What Happens At the Point of Sale

When a merchant swipes a credit card or debit card through a credit card machine at the stores the information from the magnetic stripe on the back of the card to be read. The machine will transmit the credit card data (Name, address, account number etc.) to the bank that issued the card in order to verify that the account exists. If there is enough credit or cash in the account to cover the sales transaction, the issuing bank generates an authorization code, and then places a hold on the cardholder’s account for the amount of the sale.



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Credit Card Processing:


Gun Broker Credit Card Processing

We can set up GunBroker.com Gun Dealers With eProcessing Network

Accepting payments directly through your GunBroker.com Checkout system allows buyers the ability to pay you instantly and securely the moment a listing has ended. This reduces the back and forth communication between buyer and seller that typically occurs once a listing has ended.

If you own an online gun or firearms business, you’ll need a shopping cart program of some kind – which must work with the system you use to process credit cards online. If you need accept payments in GunBroker.com. Gun gunbrokerBroker now has their own check out system for online Firearms Dealers. We work with the eProcessing Network Secure Payment Gateway which is compatible with Gunbroker.com. Accept credit cards for your gun auctions right within your GunBroker.com listings.


  • Low Cost Merchant Account
  • Totally Free Set Up
  • Advanced fraud Detection
  • Free EPN Payment Gateway Set Up
  • Fast Funding to Your Own Checking Account
  • Gun, Ammo and Accessory Friendly
  • Free Support


Gun Dealer Friendly Merchant Services – Accept Payments Through Gunbroker.com
Are you a GunBroker Gun Dealer who wants to accept payments through your Gunbroker.com account, increase your Gun Broker sales and have a secure way for your customers to pay you? Are you paying too much for your  current merchant services? We have the Gun Broker gun dealer payment processing solution you need with costs much lower then you might expect. If you are a gun dealer who sells through Gunbroker.com and need credit card processing look at what we offer.

The eProcessing Network Secure Payment Gateway allows merchants to accept credit cards and other forms of payment in a secure, real-time environment directly from their website, through Mobile devices and directly from their place of business.

Real-time authorizations ensure the validity and accuracy of each transaction and merchants get the added convenience of having funds deposited directly to their specified account(s). With a payment gateway, merchants can have multiple users entering transactions from various locations, all at the same time.

So let’s take a closer look at how a transaction is processed when a customer orders a product from a payment gateway-enabled merchant:

  1. Credit Card MontageA customer makes a purchase — either online, over the phone or in person — and the billing information is sent via Secure Socket Layer (SSL) encryption from the customer’s browser to the merchant’s web server.
  2. The merchant’s website receives the information and in turn forwards it to the payment gateway through another SSL encrypted connection.
  3. The payment gateway takes the information and forwards the transaction information to the payment processor used by the merchant’s bank and then transmits the credit card information to the appropriate credit card issuer (i.e. MasterCard and Visa).
  4. Accessories and Ammo Dealers. We are one of the only gun friendly payment processing credit card processors for both retail gun dealers and online gun dealers. We know your business and won’t shut your account down because you sell on the internet !
  5. We offer GunBroker.com payment methods such as credit cards and echecks

A Little MORE About Us:

  • Dun and Bradstreet Listed: In Business Since 1989
  • BBB A+ Listed
  • NRA Member
  • NRA Business Alliance Listed
  • Visa, MC, Amex and Discover PCI/CISP Certified
  • Secure 3DES Account Number Encryption
  • Secure 256-bit SSL Encrypted Payment Gateway

NRA credit card processing


If you have any questions about our Credit Card Processing or Gun  Dealer Payment Services Please Feel Free to Call Us Toll Free 1-800-757-5453

We offer Merchant Account Services to NRA Business Alliance Members for NRA credit card processing and Gun Dealer NRA Merchant Accounts. We are not endorsed by the NRA however we are members of the NRA and Listed in the NRA Business Alliance as a verified Merchant Account Company for Firearms Dealers and GunBroker.com Credit Card Processing.

Chargeback Reason Codes

Each credit card chargeback is defined. The definition will help you
understand what happened from the card issuer’s perspective; that is, what
conditions or circumstances existed that caused the card issuer to issue a
chargeback on the item.
Reason Code 30: Services Not Provided or Merchandise Not Received
Reason Code 41: Cancelled Recurring Transaction
Reason Code 53: Not as Described or Defective Merchandise
Reason Code 57: Fraudulent Multiple Transactions
Reason Code 60: Illegible Fulfillment
Reason Code 62: Counterfeit Transaction
Reason Code 71: Declined Authorization
Reason Code 72: No Authorization
Reason Code 73: Expired Card
Reason Code 74: Late Presentment
Reason Code 75: Transaction Not Recognized
Reason Code 76: Incorrect Currency or Transaction Code or Domestic
Transaction Processing Violation
Reason Code 77: Non-Matching Account Number
Reason Code 80: Incorrect Transaction Amount or Account Number
Reason Code 81: Fraud—Card-Present Environment
Reason Code 82: Duplicate Processing
Reason Code 83: Fraud—Card-Absent Environment
Reason Code 85: Credit Not Processed
Reason Code 86: Paid by Other Means
Reason Code 96: Transaction Exceeds Limited Amount




firearms payment processing

Hypercom T4205 Credit Card Terminal


Note: Hypercom is now EQUINOX

We now offer the Equinox Credit Card Terminals and no longer offer Hypercom Terminals.



If you have any questions about any credit card terminals or payment gateway processing feel free to call us at 800-757-5453.

firearms payment processing


Why settle for a dial terminal that limits your business? The Hypercom T4205 is everything your business needs, and nothing it doesn’t. The Hypercom T4205 is built on the extremely successful T4200 platform, you are assured a terminal that will offer your business ease of use, simple integration and trouble-free years of credit card processing.

The Hypercom T4205 credit card terminal combines simple workhouse features with racehorse pace utilizing its modem dial out. It supports value added applications such as check conversion with guarantee or our gift/loyalty card program. The thermal printer handles customizable text and graphics at 18 lines per second, the industry leading rate!

Witness the Hypercom T4205 in action and you’ll wonder what you’ve been waiting for!

• Dial capability for fast transaction flow
• Intel XScale 32-bit processor – Quickest Transactions
• Rapid Configuration – Minimum keystroke setup
• Security standard – Fast, secure PIN entry
• Multi Merchant Capable – Up to 20 accounts
• Supports value added applications, Check Conversion, Gift Cards, PayPass

Perfect for:
General Retail
Carry Out, Gas stations
Discount Outlets
Department Stores
Restaurants and Coffee Shops
Grocery stores
Day Care
Cinemas and Theaters
Building Materials
Auto Repair
Medical Office or Clinic
Government Office
Any business who need the capability of accepting cards!


Internet Commerce Merchants

We are a world leading consultant group for hard to acquire and low risk merchants. We specialize in hard to acquire accounts, or merchants looking for a service above the normal offerings from traditional merchant accounts.

Retail Merchants

From the basic Hypercom T7 terminal, to fast IP enabled terminals, to USB based computer card readers (with QuickBooks compatibility), and wireless terminals, we can provide the correct equipment for your swiped transactions.

Mobile Merchants

We can support a wide range of mobile devices, from the iPhone to the iPad, to BlackBerry’s and Android’s. Please speak with an account manager for details on the best solution for your business.




firearms payment processing