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Payroc
Payment Processing Partner

Payroc

Full-service merchant services for firearms businesses since 2003 — eCommerce and card-present processing, ACH, and a US-based diligence team that handles underwriting in-house. Backed by twenty-plus years of doing this exact work in this exact industry.

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About The Partner

Who They Are

Payroc has been proud to serve the firearms industry since 2003. As a full-service merchant service provider, they do the diligence in-house with their own team based in the USA — so they can confidently and sustainably support firearm businesses where outsourced underwriting teams typically can't.

Their position is that businesses in this space deserve low prices, eCommerce and card-present channels, and top-notch support — and they've spent two decades building the team and infrastructure to deliver on it. Long-term firearms underwriting isn't a side experiment for Payroc; it's been a core part of their business since the year they started.

What They Offer

  • Credit Card ProcessingCard-present (POS) and card-not-present (eCommerce) on one platform. Supports Axium and Ingenico terminals at the counter.
  • ACH ServicesBank-to-bank payment rails for high-ticket items, recurring billing, and B2B transactions.
  • US-Based In-House DiligenceUnderwriting is handled directly by Payroc's own team in the US — not outsourced to a risk vendor with no firearms context.
  • Direct Industry SupportTwenty-plus years serving 2A businesses. The support team already knows the workflows when you call.
The Integration

How It Connects To MFS Exchange

We integrate Payroc with MFS Exchange so credit-card transactions flow through the same processor across every channel:

  • Card-present terminal payments through the POS via Axium or Ingenico hardware
  • Online checkout for the WooCommerce storefront
  • Manual / keyed-in transactions for phone orders and special situations
  • ACH for high-ticket or B2B orders that don't make sense on a card
  • Saved-card flow for layaway payment schedules and customer-on-file orders
Why We Chose Them

What Sets Payroc Apart

  • Twenty-plus years in the 2A industry. Serving firearms businesses since 2003 — long before most processors would touch the space, and through every political cycle since.
  • In-house diligence, not outsourced. Their own US-based team handles underwriting end-to-end, so the people approving your account actually understand your business.
  • Low prices. Pricing reflects the reality of firearms retail, not the surcharges generic processors slap on "high-risk" merchants.
  • Full-service. Card-present, eCommerce, ACH, and support on one platform — no juggling three vendors.
  • Integrated with MFS Exchange. POS and checkout wired up natively as part of your build, so you're processing on day one.
Getting Started

How To Engage

When you're onboarded to MFS Exchange, we introduce you directly to our rep at Payroc and they handle the merchant-account underwriting in parallel with your build. By the time your site goes live, processing is wired up and ready to take its first transaction. If you'd like to talk to them before signing on with MFS — or just want to read more — Payroc has a landing page set up specifically for Monarch clients at partners.payroc.com/monarch-wave.

Ready To Move?

Twenty years in the industry, wired into your build.

If Payroc looks like the right fit for your business, we'll make the introduction and stand up the integration as part of your onboarding — so your storefront, your counter, and your dispositions all run on payment infrastructure that's seen every cycle since 2003.

Request A Free Consultation Visit Payroc