Gun-friendly credit card processing that won’t drop you
Keep your existing processors · Go live in under an hour
Orchestrate the processors you already use
- Stripe
- Adyen
- Authorize.net
- Airwallex
- Checkout.com
- Paysafe
- +18%Approval-rate uplift
- 99.99%Routing uptime
- 20+Processors supported
- <50msAutomatic failover
How it works
Orchestration in three moves
Connect once, route everything, and let fail over and recovery run on autopilot, so a single decline, termination letter, or policy change never costs you a sale, a range booking, or a class enrollment.
- 01 · Connect
Plug in every processor
Bring Stripe, Adyen, Authorize.net, and your high-risk acquirers under one unified API. Add or swap processors without touching your checkout.
- 02 · Route
Send each charge to its best home
Every transaction is routed by card brand, BIN, currency, amount, and live approval performance, landing on the processor most likely to say yes.
- 03 · Recover
Fail over and retry, automatically
If a processor declines, slows, or goes offline, the charge reroutes in milliseconds and retries on a backup, so the sale still closes.
The platform
See orchestration at work
From a single control surface to real-time routing and recovered revenue. Here’s what running on PaymentKit looks like.
One router, every processor
Connect Stripe, Adyen, Authorize.net, and your high-risk acquirers, then let PaymentKit route each charge to the one most likely to approve.
Every payment method, one checkout
Give customers cards, wallets, and BNPL (Apple Pay, Google Pay, Link, Klarna, PayPal), all orchestrated behind a single integration.
Grow and stabilize recurring revenue
For premium memberships and subscription tiers, orchestration keeps renewals flowing and your monthly recurring revenue climbing, even when a single processor stumbles.
Recovery and churn, in real time
Track recovered revenue and churn across every processor from one dashboard, and see exactly what orchestration wins back.
Capabilities
Built for revenue that can’t afford to stop
Everything a firearms-adjacent business needs to keep approvals high and payouts flowing, across every processor at once.
Universal PSP routing
One integration connects to any processor or acquirer. Direct traffic by rules you control, keep volume on your gun-friendly accounts, or let live performance decide.
Zero-downtime failover
A processor outage or freeze no longer stops checkout. Traffic reroutes instantly to a healthy backup, with no customer-facing errors.
Cross-processor recovery
Soft declines get a second chance on a different processor, with retry timing tuned to historical success windows.
Approval-rate optimization
Routing learns which processor approves which customer profile, lifting authorization rates without you lifting a finger.
Fraud & chargeback shield
Chargeback protection with risk rules you set once and keep consistent across every processor: flag stolen-card orders while lawful customers sail through.
Compliance & risk support
Guidance through underwriting and acceptable-use requirements so your gun-friendly accounts stay open and your descriptors stay recognizable to customers.
Implementation
Launch with or without code
Build routing in the dashboard, or wire it up with a few lines of API. Either way, you go live in under an hour.
No code
Drag-and-drop routing rules
Set processor priority and add conditions by card brand, BIN, currency, or amount, then toggle fail over: no deploys, no engineers.
Prebuilt checkout components
Drop in PSP-agnostic, PCI-compliant payment fields and let PaymentKit handle the routing behind them.
Yes code
Live performance dashboard
Watch approval rates, fail overs, and recovered declines per processor in real time, and adjust rules on the fly.
One-click processor connect
Add or remove acquirers from a single screen. New processors join your routing pool instantly.
Single processor vs. orchestration
Why one processor is a liability
- Account shutdownSingle processorRevenue stops deadPaymentKit orchestrationTraffic reroutes, sales continue
- Frozen fundsSingle processorCash held for weeksPaymentKit orchestrationVolume spread, exposure limited
- Soft declinesSingle processorLost at first noPaymentKit orchestrationRetried on a backup processor
- Approval rateSingle processorCapped by one providerPaymentKit orchestrationOptimized across all of them
- Processor outageSingle processorCheckout goes downPaymentKit orchestrationFail over in milliseconds
- Switching processorsSingle processorRe-integration projectPaymentKit orchestrationA config change, not a rebuild
Who we support
Orchestration for every firearms-adjacent business
From ranges to online parts stores, PaymentKit gives Second Amendment businesses stable, multi-processor infrastructure that treats legal commerce as legal.
Shooting ranges & clubs
Range time, memberships, and lane bookings on recurring billing that survives processor policy shifts.
Firearms training & instructors
Class enrollments and certification courses billed without a payments partner second-guessing the curriculum.
Gun shops & retail
Counter sales and accessories on gun friendly credit card processing built for the category, not against it.
Parts, ammo & accessories online
The ecommerce segment mainstream platforms restrict hardest, kept approved across specialized acquirers.
The problem
Why gun businesses lose processing without warning
The defining experience of this category isn’t rejection; it’s termination. Ranges, trainers, and gun shops routinely get approved by a mainstream processor whose underwriting missed what the business sells, operate normally for months, and then receive a termination notice when a catalog review, a policy update, or a headline puts the account in front of a human. Nothing about the business changed, and nothing about it was illegal. The processor’s appetite changed, and in a single-processor setup, that appetite is the business’s foundation.
The surrounding politics keep the ground moving. Merchant category codes for firearms retailers have become a legislative battleground, with some states mandating their use and others banning it, leaving processors to navigate contradictory requirements and some choosing to exit rather than comply with both. None of that is within a gun shop’s control, which is precisely the argument for not depending on any single processor’s read of it. Redundancy converts a termination letter from an emergency into an inconvenience.
Common triggers that get firearms-adjacent businesses flagged on a single processor:
- Policy updates reclassifying firearm commerce a processor previously accepted
- Catalog reviews surfacing products the original underwriting missed
- Category exits driven by headlines and political pressure
- Contradictory state rules on firearms merchant category codes
- High-ticket card-not-present orders drawing issuer scrutiny
- Chargebacks from stolen-card orders on parts and accessories
Payment orchestration removes the fragility. Instead of betting the business on one provider staying happy, you distribute volume across several processors, so no single decision by a single processor can take you offline. Orchestration doesn’t replace good compliance. It protects you when a processor changes its mind anyway, and it keeps your risk and routing rules consistent whether you’re on one acquirer or six. That makes gun friendly credit card processing far more resilient than depending on a single merchant account.
Compliance & approval
What keeps gun-friendly accounts stable
Gun-friendly acquirers expect what mainstream ones never asked: an accurate picture of the business up front, and the legal machinery of firearm commerce visible in daily operations. Meeting these standards keeps the accounts you fought for. With orchestration, you apply them once and carry them across every connected processor.
Website & policy basics
- Business and catalog disclosed accurately in underwriting
- Licensing displayed where the business requires it
- Clear booking, class, and refund policies published
- Privacy policy, terms of service, and visible support contacts
Operational standards
- Age and eligibility verification where products require it
- State restrictions enforced on restricted SKUs
- Billing descriptors customers recognize at a glance
- Fraud monitoring, 3DS, and PCI-compliant checkout