PayPal, Stripe, Square, and Shopify Payments all categorically ban firearms. So do most banks.
Even 100%-legal FFL-compliant firearms and accessory sellers get shut out by every mainstream aggregator. The 2022 MCC 5723 firearms-specific code was proposed for tracking purposes and abandoned after political pushback — but the underlying processor policy prohibitions never lifted. Stablecoin rails are indifferent to firearms policy.
The prohibition is categorical, not risk-based. A 100%-legal, FFL-registered dealer with clean chargeback history still gets boarded rejected or terminated on discovery.
Traditional acquirers who will board firearms retailers frequently reverse course after 6–12 months without cause. Retailers cycle through 3–5 processors in a typical 5-year operating window.
Retailers report primary business bank account terminations tied to firearms MCC visibility. Even non-processing bank relationships are exposed.
- No AUP that lists firearms — the rail is not a merchant-of-record.
- FFL and ATF compliance is unaffected — payment rail is orthogonal to firearm-transfer regulation.
- Customer pays via Cash App, Zelle, Apple Pay, Venmo — retailer settles in stablecoin.
- No 6–12 month re-underwriting cycle every time a bank changes its mind.
Questions operators in this vertical ask.
ATF Form 4473 background check and FFL transfer requirements are unaffected by payment method. The cashier is payment-only — it does not initiate, complete, or facilitate the physical transfer. Your existing FFL workflow continues.
Yes — accessories, optics, ammunition, and non-serialized parts flow through the same cashier. Serialized-firearm transactions can also route through it for payment, with the physical transfer completing at the FFL.
State restrictions on cross-border firearms sales are enforced at the FFL level, not the payment level. The cashier does not create or remove state-line compliance requirements.
$ contact --vertical firearms-accessories