Payment Providers

Connect a payment provider to accept credit card payments from customers. FirearmCart supports firearm-friendly payment processors.

Firearm Cart Payment Providers

Why Firearm-Friendly Processors?

Standard processors like PayPal and Stripe prohibit firearm sales. Using them can result in:

  • Account termination without warning
  • Funds held for months
  • Chargebacks and disputes

Our supported processors specialize in the firearm industry and won't shut down your account.

Supported Providers

Provider Description
Fortis Full-featured processor with easy onboarding
Authorize.Net Established processor for online payments
NMI Flexible gateway for card processing
Sandbox Simulated processor for testing checkout — no real charges

Adding a Payment Provider

Step 1: Get Your Credentials

First, open an account with one of the supported providers. They will provide you with API credentials.

Step 2: Add the Provider

  1. Go to Settings > Payments
  2. Click Add Provider
  3. Select your provider (Fortis, Authorize.Net, or NMI)
  4. Enter your API credentials
  5. Click Save

Firearm Cart Payment Providers

Step 3: Configure Settings

After adding a provider, you can configure:

  • Accepted card types - Choose which cards to accept
  • Transaction limit - Set a monthly limit if needed

Step 4: Activate

Toggle the provider to Active to start accepting payments.

Fortis Onboarding

Fortis offers a streamlined onboarding process directly within FirearmCart.

  1. Go to Settings > Payments
  2. Click Add Provider
  3. Select Fortis
  4. Complete the onboarding form with your credentials
  5. Save Changes

Your business information is pre-filled to make the process faster.

Firearm Cart Payment Providers

Managing Providers

Viewing Your Providers

Go to Settings > Payments to see all connected payment providers.

Editing a Provider

  1. Click on a provider
  2. Update credentials or settings
  3. Click Save

Activating/Deactivating

  • Active - Provider is used for checkout
  • Inactive - Provider is not available at checkout

Deleting a Provider

  1. Click on the provider
  2. Click Delete
  3. Confirm deletion

Note: You cannot delete a provider with pending transactions.

Accepted Card Types

Choose which cards to accept:

  • Visa
  • Mastercard
  • American Express
  • Discover
  • JCB
  • Diners Club

Most stores accept Visa, Mastercard, American Express, and Discover at minimum.

Firearm Cart Payment Providers

Sandbox Testing

The Sandbox provider lets you test checkout end-to-end without processing real payments. Add it the same way as a live provider (Settings > Payments > Add Provider > Sandbox), then use the card numbers below at checkout.

Use any future expiration date and any 3–4 digit CVV.

Approved Cards

These cards always succeed.

Brand Number
Visa 4111 1111 1111 1111
Mastercard 5555 5555 5555 4444
American Express 3782 822463 10005
Discover 6011 1111 1111 1117
JCB 3530 1113 3330 0000
Diners Club 3056 9309 0259 04

Decline Cards

Each card simulates a specific decline reason returned by real processors.

Number Decline Reason
4000 0000 0000 0002 Insufficient funds
5100 0000 0000 0511 Insufficient funds (Mastercard)
4000 0000 0000 0028 Lost card
4000 0000 0000 0036 Stolen card
4000 0000 0000 0069 Expired card
4000 0000 0000 0127 Invalid CVV
4000 0000 0000 0101 Do not honor
4000 0000 0000 0119 Invalid card number
4000 0000 0000 0259 Exceeds withdrawal limit
4000 0000 0000 0333 Suspected fraud
4000 0000 0000 0341 Restricted card
4000 0000 0000 0358 Transaction not permitted
4000 0000 0000 0366 Invalid expiration date
4000 0000 0000 0374 Issuer unavailable
4000 0000 0000 0408 Velocity limit exceeded
4000 0000 0000 0416 AVS failure

Gateway Error Cards

These simulate gateway-level failures (network, timeout, etc.) rather than card declines.

Number Scenario
4000 0000 0000 9995 Gateway timeout
4000 0000 0000 9996 Network error
4000 0000 0000 9997 Configuration error
4000 0000 0000 9998 Processing error
4000 0000 0000 9999 General error

3D Secure Cards

Number Behavior
4000 0000 0000 3220 Authentication required
4000 0000 0000 3238 Authentication successful
4000 0000 0000 3246 Authentication failed
4000 0000 0000 3253 Attempts processing

Note: The Sandbox provider is for testing only. Deactivate or delete it before going live so real customers can't be routed to it.

Troubleshooting

Payments Failing

  • Verify API credentials are correct
  • Check your provider dashboard for errors
  • Ensure your provider account is in good standing

Provider Not Showing at Checkout

  • Make sure the provider is Active
  • Check that at least one card type is selected

Credentials Rejected

  • Double-check for typos
  • Verify you're using live credentials (not test)
  • Make sure your provider account is fully activated