Welcome to Gun Friendly Payments. These Terms of Service (“Terms”) govern your use of our website (gunfriendlypayments.com), products, and services. By accessing or using our platform, you agree to these Terms in full. If you do not agree, please discontinue use immediately.
We are proud to offer tailored gun-friendly payment processing solutions for firearm businesses and FFL license holders. These Terms ensure a secure, legal, and transparent relationship between you and Gun Friendly Payments.
1. Eligibility and Acceptance of Terms
You must be at least 18 years old to use our services. By engaging with Gun Friendly Payments, you affirm that you are legally capable of entering into a binding agreement and that your business is eligible to operate in the firearm and related industries under local, state, and federal laws.
Firearm businesses seeking FFL credit card processing or a firearms friendly merchant account must hold valid licensing and certifications as required by law. Submission of falsified or expired documentation may result in termination of service.
Acceptance of these Terms also includes your acknowledgment of our Privacy Policy and Cookie Policy. Your continued use of our website and services constitutes acceptance of all applicable policies and rules.
2. Services Overview
Gun Friendly Payments specializes in high-risk merchant services, with a particular focus on firearm merchant services, gun shop credit card payments, and e-commerce integrations for federally licensed firearm dealers.
Our offerings include secure payment gateway integration, fraud protection tools, customer support for technical and compliance-related issues, and strategic consultation for obtaining high-risk payment processor firearms approvals.
We do not issue credit or banking services directly. We facilitate access to third-party financial institutions and payment gateways known for supporting firearm industry transactions. While we aim to match you with reliable processors, approval is subject to underwriting.
3. Account Registration and Responsibilities
To access our services, you may be required to register and create a merchant profile. You agree to provide accurate, current, and complete information, including your FFL license, business details, and valid identification.
Maintaining an accurate profile is critical to ensure eligibility for firearms friendly merchant account services. Gun Friendly Payments reserves the right to suspend or terminate accounts that contain false information, fraudulent intent, or misuse of the platform.
You are responsible for safeguarding your login credentials and for all activity under your account. In the case of suspected unauthorized access, notify us immediately.
4. Prohibited Uses
You agree not to misuse our website or services. Specifically, you may not:
Violate any laws or regulations, including those governing firearms sales and financial transactions.
Attempt unauthorized access to our platform or interfere with the functionality of the website.
Use our services for fraudulent transactions or unlicensed firearm sales.
Misrepresent your firearm business or attempt to hide prohibited activities when applying for gun-friendly payment processing.
Gun Friendly Payments works exclusively with compliant and ethical firearm businesses. Activities deemed illegal, unsafe, or misaligned with federal/state firearm laws will lead to immediate service termination.
5. Merchant Application and Approval Process
Applying for a gun shop credit card payments account or FFL credit card processing solution requires submission of business documentation, a valid Federal Firearms License (if applicable), and other underwriting data such as financial history or processing volume.
Approval for a firearms friendly merchant account is not guaranteed and is subject to third-party underwriting. Gun Friendly Payments serves as a liaison between you and financial service providers but does not issue final decisions.
You agree to provide accurate documentation and respond promptly to additional requests from underwriters. Incomplete or unverified submissions may result in delays or denial of service.
6. Fees, Billing & Payment Terms
Fees for firearm merchant services vary based on your business profile, risk level, and chosen payment processor. Common fee structures include per-transaction percentages, monthly gateway fees, chargeback fees, and compliance service costs.
You will receive fee disclosures during your onboarding process. Gun Friendly Payments does not charge hidden or upfront fees without disclosure. You are responsible for reviewing and accepting the fee agreement before activation.
Failure to pay applicable service fees or comply with processor billing terms may result in suspension of merchant services or additional penalties from your financial institution.
7. Data Security and Compliance
Gun Friendly Payments adheres to industry standards for security and privacy, including PCI DSS (Payment Card Industry Data Security Standard) compliance. All merchant integrations and services are designed with encryption and fraud prevention in mind.
As a merchant, you are responsible for ensuring your systems, staff, and network remain PCI compliant. This includes not storing full cardholder data, maintaining secure point-of-sale environments, and using validated equipment.
Failure to comply with security requirements may result in additional fees, account termination, or fines from your payment processor. We strongly encourage routine audits and employee training to uphold your end of the security responsibilities.
8. Termination of Service
You may cancel your use of Gun Friendly Payments at any time by notifying us in writing. We reserve the right to suspend or terminate service without notice in cases of:
-
Breach of these Terms
-
Submission of fraudulent information
-
Violation of federal, state, or financial laws related to firearms and merchant services
-
Abuse of our services or failure to maintain compliance with high-risk payment processor firearms policies
Termination does not absolve you of pending fees or responsibilities related to prior transactions processed through our network.
9. Disclaimers and Limitation of Liability
Gun Friendly Payments offers access to merchant solutions tailored for gun-friendly payment processing but makes no warranties regarding approval, uptime, or service suitability for specific businesses.
We are not liable for decisions made by third-party processors or financial institutions, nor for losses incurred from declined applications or chargebacks.
Use of our services is at your own risk. We are not responsible for indirect, incidental, or punitive damages arising from service use, including but not limited to transaction loss, data breaches, or revenue impact from account disruptions.
10. Updates to Terms
We reserve the right to revise these Terms at any time. Changes will be reflected on this page with an updated “Last Modified” date. Continued use of the website and services after such changes implies your acceptance of the revised Terms.
We recommend reviewing these Terms periodically to remain informed of your rights and responsibilities.