GunsAmerica requires sellers to use either GunTab escrow services or their own merchant account through the Live Checkout system. Sellers without approved credit card gateways must use GunTab for all transactions, while those with GunsAmerica seller merchant accounts can accept payments directly through Live Checkout. This policy ensures all payments flow through compliant, firearms-friendly payment channels.
GunTab as Default Payment Option
GunsAmerica has partnered with GunTab to provide integrated escrow-style payment processing for sellers who do not have their own merchant accounts. GunTab holds buyer payments until delivery confirmation, protecting both parties from fraud. The platform specifically designed GunTab integration to ensure secure, compliant firearms transactions.
For sellers without approved gateways, GunTab is mandatory rather than optional. GunsAmerica is phasing out unsupported payment methods to maintain marketplace trust and compliance. This means sellers cannot simply exchange payment information with buyers outside the platform's approved channels.
GunTab accepts credit card and bank account payments from buyers. After successful delivery and acceptance period, funds release to seller bank accounts. The escrow approach eliminates chargeback concerns for sellers since GunTab handles dispute resolution before releasing funds.
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Sellers who prefer using their own payment processing can set up Live Checkout on GunsAmerica. This requires having an approved payment gateway integrated with the platform. Live Checkout allows buyers to pay directly through the seller's merchant account at the time of purchase.
Understanding how GunsAmerica sellers set up payment processing provides details on gateway integration requirements. Authorize.net is the most commonly used gateway for Live Checkout integration, though other firearms-friendly gateways may work depending on platform compatibility.
Live Checkout offers advantages for established dealers with existing merchant relationships. Payments process immediately rather than waiting for escrow release. Sellers maintain control over their payment infrastructure and can use the same merchant account across multiple sales channels.
Why GunsAmerica Restricts Payment Methods
GunsAmerica explicitly prohibits PayPal, Venmo, and similar person-to-person payment applications. These services prohibit firearms transactions in their terms of service, making their use both against GunsAmerica policy and against the payment platform policies. Violations can result in permanent account closure on GunsAmerica.
The restriction protects both the marketplace and individual sellers. Sellers using prohibited payment methods risk having funds frozen or seized by those platforms when firearms transactions are identified. GunsAmerica's approved channels eliminate this risk.
Money orders and checks remain available for sellers without electronic payment capabilities, but these create delays and potential fraud exposure. Credit card acceptance through GunTab or Live Checkout provides faster, more secure transactions that benefit both buyers and sellers.
GunTab Fees and Considerations
GunTab charges transaction fees comparable to other e-commerce payment options. Exact fees vary by transaction size and payment method. Sellers should review GunTab's pricing page for current fee schedules before deciding between GunTab and Live Checkout.
The escrow model means funds are not immediately available. Buyers pay, sellers ship, buyers confirm receipt, and then funds release. This adds several days to the cash cycle compared to direct credit card processing through Live Checkout.
GunTab provides buyer protection that can encourage sales. Buyers hesitant to send money to unknown sellers gain confidence from the escrow protection. This may increase conversion rates, potentially offsetting the longer fund availability timeline.
Benefits of Your Own Merchant Account
Having your own merchant account through Live Checkout provides several advantages over GunTab-only operation. Immediate payment processing means faster fund availability for business operations. Sellers control the payment experience rather than routing buyers through third-party escrow.
Merchant accounts enable payment acceptance across multiple channels. The same account used for GunsAmerica can process transactions on the seller's own website, at gun shows, or through other marketplaces. This unified approach simplifies accounting and reduces processor relationships to manage.
Understanding GunsAmerica fees alongside payment processing costs helps determine whether the investment in merchant account setup makes sense for your sales volume. Higher-volume sellers typically benefit most from dedicated merchant accounts.
Altrupay and GunsAmerica Live Payments
GunsAmerica has partnered with Altrupay as a third-party provider offering merchant accounts to gun dealers. GunsAmerica Live Payments is a trademark representing this partnership. GunsAmerica itself does not sell merchant accounts but facilitates connections to firearms-friendly processors.
Sellers can use Altrupay or other compatible providers for their Live Checkout integration. The key requirement is having a gateway that GunsAmerica's system recognizes and can communicate with for real-time payment authorization during checkout.
Some sellers prefer working with independent payment processors rather than platform-recommended options. As long as the gateway integrates properly with GunsAmerica's Live Checkout system, sellers have flexibility in choosing their payment provider.
Get GunsAmerica Seller Payment Processing from Elite 2A Pay
Elite 2A Pay provides merchant accounts compatible with GunsAmerica Live Checkout, giving sellers an alternative to GunTab-only operation. Understanding that dedicated payment processing offers advantages for serious sellers, Elite 2A Pay provides gateways that integrate with GunsAmerica through 2A-friendly banking partners.
Over 90% of merchants who speak with Elite 2A Pay discover they can save money on transaction fees compared to their current provider.
Or call (844) 692-2792 to learn how Elite 2A Pay can support your GunsAmerica business
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