Industries / Firearms
Stripe doesn't process firearms. Settle does.
FFL-licensed dealers, ammunition retailers, gunsmiths, and accessories. 0.5% per transaction. Non-custodial settlement. No banker reviewing your SKU list.
Cost
The math.
| Firearms-specialty processor | Settle | |
|---|---|---|
| Per-transaction fee | 4–8% | 0.5% |
| Monthly fee | $30–250 | $0 |
| Setup | FFL upload, MCC negotiation, weeks | GitHub OAuth, today |
| Category drop risk | Bank can exit at any time | Smart contract on Base |
| Chargebacks | Yes — high in this category | None — payments are final |
| Settlement time | T+2 to T+7 | ~2s on Base |
Objections
The trade-offs, stated honestly.
Will users pay in stablecoin for firearms?
The privacy-conscious slice of your user base already does. Crypto-funded firearms purchases are not new — Settle just gives you a clean, low-fee rail to accept them.
Background check & FFL transfer?
Unchanged. Settle handles payment, not transfer. You still run NICS, you still log the 4473, you still ship to an FFL where required.
What about chargebacks?
There aren't any. The friendly-fraud chargeback that wiped a $1,500 order three months later doesn't exist on this rail.
What's the trade-off?
No fiat checkout option. Pair Settle with a fiat rail if your buyers expect Visa. Settle accepts what traditional processors restrict — firearms is on the list.