Gun Store POS and Firearms Merchant Accounts for FFL Dealers

Choose the merchant account before buying a gun-store POS. Square's US Payment Terms list sales of firearms, firearm parts or hardware, and ammunition as unsupported business activity. A general retail feature comparison does not override that restriction.

Clover is a POS product brand, not a blanket firearms approval. Before buying a device or software plan, confirm that the proposed processing arrangement accepts your exact inventory and sales channels and that the hardware can work with it.

For an FFL store, ask the software vendor to demonstrate serialized inventory, acquisition and disposition records, Form 4473 workflow, transfers and layaways as applicable to your operation. Confirm those capabilities separately from card acceptance; Pine is not claiming to supply every compliance-software feature.

Pine reviews firearms businesses for payment-processing fit, subject to underwriting. Share your FFL, product mix, counter and online sales, current POS and proposed integration before committing to equipment. Check device compatibility, processing exclusivity, equipment commitments and data-export rights in writing.

Request a firearms payment-setup review. Send your license type, product mix, sales channels and current or proposed POS. If you already process, a recent statement can help compare the existing arrangement; if you are pre-launch, tell us that instead.

Source: Square's US Payment Terms, section 3 (effective November 6, 2026).

The general retail comparison below is not permission to process firearms inventory.

• Category restrictions. Many popular payment platforms prohibit firearms or related products regardless of the merchant's licensing.
• Licensing review. Underwriters verify licenses, product categories, sales channels, and operating procedures.
• Mixed inventories. Firearms, accessories, ammunition, and tactical goods may be evaluated differently.
• Online fulfillment. E-commerce merchants must clearly document shipping and transfer procedures.

• Category-friendly partners. We seek acquiring options that knowingly evaluate qualified firearms businesses.
• Retail and e-commerce support. Match approved stores with compatible countertop, mobile, or online tools.
• Application preparation. Licenses, policies, and product details are organized before underwriting.
• Straightforward terms. Know the pricing and account requirements before you begin processing.

Every account is subject to underwriting. We explain the available options and terms before you commit.

1. 1.Share your details. Tell us what you sell, how you accept payments, and your expected volume.
2. 2.Review the fit. We assess your current setup and identify the right processing path.
3. 3.Prepare the application. We help organize the information underwriting needs.
4. 4.Start processing. Once approved, we help connect and test your payment setup.

• Business formation documents and EIN
• Copy of your FFL (and SOT, if applicable)
• Product catalog and sales-channel details
• Shipping, transfer, refund, and age-verification policies
• Prior processing statements, if available

Not sure where to begin? Send us a recent statement and we will walk through it with you.