Northline for Firearms & FFL

Your FFL is the strongest card in the file.

PayPal and Square won't touch firearms at any distance — but 2A-friendly acquiring banks actively want licensed dealers. A current FFL, a compliant checkout that gates delivery through licensed transfer, and an honest card-present/online split get you placed without drama.

steady hands: the reticle settles, the file clears

No surprises in underwriting

What the bank will actually ask.

Where you'll land

Card-present dealers run near-standard rates (~2.6–3.2%). Online sales with FFL-transfer fulfillment price ~3.3–4%.

The extra documents

FFL copy (front and back), and for online sellers: the transfer-dealer flow written out. Ammo-only sellers still need the compliance story.

Who bans it

PayPal, Square, Stripe — plus most "we take everyone" aggregators. It's the most policy-banned legal retail vertical in the country.

Fifteen minutes

Talk to the underwriter who places firearms.

A real answer on the call — can we place you, at roughly what rate
No SSN, no credit pull, no obligation
Then one 10-minute application, shaped to the right bank

Prefer to start with the form? Begin the application →