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Why Firearms are High‑Risk
Firearms, ammo, and accessories are classified as high‑risk because they sit at the intersection of strict regulations, political scrutiny, and higher‑than‑average chargeback and fraud exposure. Many mainstream processors (PayPal, Stripe, Square, etc.) explicitly ban firearm transactions or shut them down once detected.
Regulatory & Reputational Pressure
Firearm merchants must comply with the Gun Control Act, ATF rules, and state‑level laws governing sales, transfers, and records.
Banks fear legal liability, media backlash, and policy conflicts, so they group firearms in the high‑risk bucket.
Firearm merchants must comply with the Gun Control Act, ATF rules, and state‑level laws governing sales, transfers, and records.
Banks fear legal liability, media backlash, and policy conflicts, so they group firearms in the high‑risk bucket.
Chargebacks & Fraud Exposure
Firearms purchases can be targeted with stolen cards, especially when buyers try to bypass background checks or legal restrictions.
Chargeback ratios above roughly 1–2% are a major red flag for processors in this industry.
Firearms purchases can be targeted with stolen cards, especially when buyers try to bypass background checks or legal restrictions.
Chargeback ratios above roughly 1–2% are a major red flag for processors in this industry.
Prohibited by Many Pay Platforms
Major platforms list firearms, ammo, and certain accessories as prohibited products, freezing or closing accounts when activity is discovered.
Using “sneaky” workarounds or miscoding MCCs can lead to frozen funds and long‑term difficulty getting approved elsewhere.
Major platforms list firearms, ammo, and certain accessories as prohibited products, freezing or closing accounts when activity is discovered.
Using “sneaky” workarounds or miscoding MCCs can lead to frozen funds and long‑term difficulty getting approved elsewhere.
If your FFL, range, or firearm ecommerce store has been declined or shut down by mainstream processors, contact CARDZ3N to explore a firearms‑friendly merchant account built for this category.
