High-Risk Payments Built for the Outdoor & Firearms Industry
Your trusted partner for stable, compliant high-risk payment processing. Paymerica powers firearms dealers, optic suppliers, tactical gear shops, ranges, manufacturers, and FFLs with banking relationships that last.
- ✓ 35+ high-risk friendly acquiring banks
- ✓ Proven approval rates for restricted outdoor & firearms verticals
- ✓ Smooth underwriting & rapid setup
- ✓ Low / reduced reserves & minimal credit score restrictions
No surprises. No shutdowns. No guesswork. Just dependable processing built for high-risk merchants.
$500 Million+
Placed business throughout the high-risk outdoor & firearms space.
Backed by 15+ years of banking relationships, underwriting experience, and tech-driven routing that keeps your accounts live and healthy.
What Clients Say
⭐️⭐️⭐️⭐️⭐️
“Paymerica made onboarding effortless. Their expertise in high-risk outdoor and firearms processing gave us confidence from day one, and their support is fast and knowledgeable.”
Why Paymerica Stands Apart
Firearms and outdoor merchants face constant policy changes, random shutdowns, and processors who don’t understand regulated industries. Paymerica removes that uncertainty with a model engineered specifically for high-risk outdoor payments.
Hands-On, Premium Service
A dedicated specialist guides you from underwriting to daily operations—no ticket black holes, just real people who know FFLs and outdoor brands.
High-Risk Friendly Underwriting
Strong banking relationships ensure consistent approvals—even in restricted categories like firearms, optics, ammo accessories, and tactical goods.
24/7 U.S.-Based Support
Whenever you need help, an expert is there—not a call center. We treat your payments stack like critical infrastructure, because it is.
Built Around How You Sell
Online, in-store, gun range, mobile events, or hybrid? We tailor your processing setup, routing, and terminals around your exact model.
Simplified PCI & Compliance
We help you stay secure, audit-ready, and aligned with card-brand and firearms-industry requirements from day one.
Low- or No-Reserve Options
For qualified merchants, we negotiate smarter reserve structures to improve cash flow while keeping risk teams happy.
Payment Solutions That Fit How You Operate
Paymerica supports all major card brands and alternative payment methods, with flexible setups for online stores, retail environments, ranges, manufacturers, and subscription-based services.
Modern Credit Card Terminals
Secure EMV and contactless hardware, fast deployment, and outdoor-ready options for shops, counters, and ranges.
Point-of-Sale Systems
Fully integrated systems with inventory, reporting, and multi-location support tailored for firearms & outdoor gear.
Online Payment Gateway
A reliable, compliant gateway built for high-risk e-commerce with advanced fraud tools and real-time analytics.
Recurring & Membership Billing
Perfect for training memberships, range subscriptions, or curated product plans.
PCI Compliance Guidance
Streamlined assessments, tokenization, encryption, and security tools to protect cardholder data.
High-Risk Merchant Accounts
Expertly underwritten accounts for firearms, tactical gear, optics, outdoor equipment, and other regulated verticals.
Modern Experience, Built on Proven Infrastructure
Paymerica blends modern payment experiences with the kind of behind-the-scenes infrastructure and tooling proven by platforms like Proper Payments.
Let’s Chat
Whether you're launching, scaling, or searching for a more reliable processor, Paymerica delivers secure, long-term payment solutions designed specifically for high-risk outdoor and firearms merchants.
Request a free performance & pricing assessment to see how much you can save.