Anti gun cc processors


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Tom Fury
December 24, 2011, 03:41 PM
Hi:
Just attempted to make a cc payment on a layaway with a Gunbroker vendor who informed me his cc processor had dropped him because he sold guns; I had to shuffle payments with another vendor, who mentioned he had heard of this happening but thru another processor unnamed here due to heresay mention. Mentioned that to original vendor who says actually he has been dropped twice for being a gunseller.
Happening to anybody else?

Cheers, TF

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bigfatdave
December 24, 2011, 07:57 PM
Possible, I suppose.
But it might be for violating the merchant agreement with "CC fee", it might be because some systems charge small-volume members a higher fee, or it might be a number of other things.

In the end, the whole plastic payment system is screwed up in a lot of ways, who knows? Cash/money orders/checks are a pain for long-distance shopping, but plastic isn't always as convenient as it seems for all parties involved.

Freedom_fighter_in_IL
December 24, 2011, 10:24 PM
bigfatdave, it is actually becoming a problem. Paypal kind of started this crap. Now there are some CC processor companies that are dropping any vendors that have any relations with firearms. It is just yet another stunt the anti's are trying to pull. They are using the free trade act to say they have the right to deny a customer access to their business based on their fundamental beliefs about firearms. They get away with using the free trade act to DENY a legal business his own rights to free trade! Go figure THAT logic out. Your head will hurt afterwards :D

x_wrench
December 24, 2011, 11:13 PM
i am in my mid 50;'s, and call me old fashioned, or over the hill, whatever. but i can not believe how much crap the anti's are able to come up with to make our lives less enjoyable. they are NOT going to win. we, can not let them. if they win, everything that every soldier has ever fought for is down the toilet. and that is where all of us will be living, in a toilet. i also can not fathom why there are so many of them. it is painfully clear that they have no idea what is at stake. everyone's freedom. if only they would study the founding fathers, just a little, then, and only then, might they begin to understand. somehow, we, the ones that do understand, have to find a way to inform them.

The Kershaw
December 24, 2011, 11:45 PM
Isn't there a CC processing company that is tailor made exactly for firearms transactions?

I don't remember if this is it, but I do specifically remember hearing about a PayPal like company that caters to gun owners.

http://www.gunmerchantaccount.com/

zxcvbob
December 24, 2011, 11:53 PM
I would be afraid they were somehow connected with Ben Cannon. (if you don't know what I'm talking about, google "gpal")

Bubbles
December 25, 2011, 12:55 AM
Most payment processors will not accept gun dealers who sell online, only FTF retailers. As it was explained to me, it's because the product being purchased must be shipped to a third party (the transfer dealer) before the buyer can legally take posession. So, resolving issues can be problematic for the merchant processor if the buyer is delayed / denied.

Fortunately there are two processors who will work with gun dealers: Payment Alliance International and First National Merchant Services.

Neverwinter
December 25, 2011, 03:05 AM
bigfatdave, it is actually becoming a problem. Paypal kind of started this crap. Now there are some CC processor companies that are dropping any vendors that have any relations with firearms. It is just yet another stunt the anti's are trying to pull. They are using the free trade act to say they have the right to deny a customer access to their business based on their fundamental beliefs about firearms. They get away with using the free trade act to DENY a legal business his own rights to free trade! Go figure THAT logic out. Your head will hurt afterwards :D

It's the same logic that allows businesses to prohibit guns in their stores. Gun ownership is not a protected class, and can be discriminated against in these cases.

The free market ensures that others will take up the missed business opportunities, doesn't it? Several instances have been posted to the thread.

Sent using Tapatalk

Neverwinter
December 25, 2011, 03:06 AM
Quote instead of edit.

ants
December 25, 2011, 03:21 AM
As it was explained to me, it's because the product being purchased must be shipped to a third party (the transfer dealer) before the buyer can legally take posession. So, resolving issues can be problematic for the merchant processor if the buyer is delayed / denied.I put the Bold on those 6 words for emphasis.

If the emphasized statement is true, then it's NOT an 'anti' thing at all. It's a business decision.

It would be very important for us to verify Bubbles' statement.
We should never blame someone as being Anti unless it is true.

stickhauler
December 25, 2011, 04:29 AM
Funny, I have never had an issue using a Visa on a gun purchase through any on-line vendor, be it on Gun Broker or ordering from any of the major internet gun sellers.

BLB68
December 25, 2011, 10:27 AM
The problem is on the dealer end, not the buyer end. The dealer has to set up a merchant account to be able to process your credit cards.

mgmorden
December 25, 2011, 10:59 AM
Funny, I have never had an issue using a Visa on a gun purchase through any on-line vendor, be it on Gun Broker or ordering from any of the major internet gun sellers.

Visa isn't a processor though - they're a card company. Individual merchants have to setup a merchant account through a processor before you can accept credit card payments (regardless of the card type).

Those merchants are free to set policies on who they will and won't deal with gun stuff - possibly for the same reason Bubbles mentioned. The "adult entertainment" industry similarly has trouble finding processors because it typically as a lot of incidences of disputed charges (ie, guy's wife finds the CC bill, he says that "I didn't do that!!?!!", etc).

Also - not to point fingers, but gun merchants are have been some of the worst offenders I've seen on violation of 2 credit card rules:

1. No merchant is allowed to set a "minimum purchase amount" for credit cards. Visa and the other companies have spent a lot of time and money getting people used to shopping with these cards, and minimum purchase prices drive people away from wanting to use them.

2. No merchant is allowed to add a surcharge to a credit card purchase. They are allowed to offer a discount for cash purchases, but that isn't simply a semantics thing. For instance, there is no way that you can claim (such as on Gunbroker) that an ending AUCTION price is already reflecting a "cash discount". If you are tacking 3% onto an auction then no matter what you say its a surcharge.

Given how often I see gun dealers violating one or the other (or both) of those rules, I'd wager that at least a few get caught and have the merchant agreements revoked.

bigfatdave
December 25, 2011, 04:03 PM
Imagining a conspiracy without any hard evidence, and with evidence against such an "anti-gun conspiracy" is not helping anything.

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