PayGunner
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How PayGunner Works

Complete transparency about our technology, security, and how we protect your money.

What is PayGunner?

PayGunner is a modern payment platform designed specifically for the firearms industry. We combine the simplicity of apps like Cash App and Venmo with enterprise-grade security and regulatory compliance.

The Problem We Solve: Traditional payment processors (PayPal, Venmo, Square) prohibit firearm-related transactions in their terms of service. This leaves legal, licensed firearms businesses and enthusiasts without reliable payment options.

Our Solution: A compliant, transparent payment platform that welcomes the firearms industry while maintaining the highest standards of security and regulatory oversight.

How Your Money is Protected

Internal Ledger + USDC Reserve Pool

PayGunner uses a modern, secure architecture that ensures your funds are always safe and accessible:

🔒 Internal Ledger System

Your account balance is tracked in our secure internal ledger. Every transaction is recorded with a complete audit trail.

💎 USDC-Backed Reserves

All user funds are backed 1:1 by USDC (USD Coin) held in a secure reserve pool. Your money is always there.

⚡ Instant Transfers

Transfers between PayGunner users are instant and free because they happen on our internal ledger.

📊 Full Transparency

We maintain 100% reserves at all times. You can always view your complete transaction history.

✓ 1:1 Reserve Backing

For every dollar you deposit, we hold one dollar of USDC in our reserve pool. We maintain 100% backing at all times, ensuring your funds are always available for withdrawal.

What is USDC?

USDC (USD Coin) is a regulated stablecoin that's always worth exactly $1.00 USD. It's issued by Circle, a licensed money transmitter, and is backed 1:1 by US dollars held in reserve at regulated financial institutions.

Why we use USDC for reserves:

How Transactions Work

1. Adding Funds - Bank Transfer (ACH)

  1. You initiate a transfer from your bank to PayGunner's business account
  2. You submit a deposit request on PayGunner with your transfer details
  3. Our team verifies the transfer was received (typically 2-3 business days)
  4. Once verified, we purchase USDC and add it to the reserve pool
  5. Your PayGunner balance is credited - ready to use instantly

Fee: FREE | Processing Time: 2-3 business days

2. Adding Funds - Credit/Debit Card

  1. Enter your card details (securely processed by Authorize.Net)
  2. We charge your card for the amount + 3.5% processing fee
  3. Payment is processed immediately
  4. We purchase USDC and add to reserve pool
  5. Your balance is credited INSTANTLY

Fee: 3.5% + $0.50 | Processing Time: Instant

3. Sending Money (The Magic!)

  1. Enter recipient's email and amount
  2. We debit your internal ledger balance
  3. We credit recipient's internal ledger balance
  4. Both users receive email confirmation
  5. No money leaves the reserve pool! It's just an internal transfer

Fee: FREE | Processing Time: INSTANT

💡 Why Transfers Are Free & Instant

When you send money to another PayGunner user, we don't actually move any money between banks or blockchains. We simply update both users' balances in our internal ledger. This makes transfers completely free and instant!

4. Withdrawing Funds

  1. Enter your bank account details and withdrawal amount
  2. We immediately debit your PayGunner balance (holds funds)
  3. Our team converts USDC to USD and initiates ACH transfer to your bank
  4. Funds arrive in your bank account within 2-3 business days

Fee: FREE | Processing Time: 2-3 business days

Our Technology Partners

PayGunner is built on industry-leading infrastructure from trusted partners:

💳 Authorize.Net - Credit Card Processing

Authorize.Net has processed over $149 billion in transactions for more than 430,000 merchants. They handle all credit card processing, ensuring PCI-DSS compliance and fraud protection.

💎 Circle - USDC Reserve Provider

Circle is a licensed money transmitter that issues USDC. All reserve funds are backed 1:1 by US dollars held at regulated financial institutions, with monthly attestation reports by Grant Thornton LLP.

📧 Postmark - Email Communications

Postmark delivers transaction confirmations and notifications with 99.99% uptime. All emails are encrypted in transit and comply with anti-spam regulations.

📱 Twilio - SMS Verification

Twilio provides two-factor authentication (2FA) via SMS for account security. They're trusted by Uber, Airbnb, and thousands of financial institutions.

Security & Compliance

How We Protect Your Account

Regulatory Compliance

PayGunner operates in full compliance with US financial regulations:

Why PayGunner is Different

🇺🇸 2A-Friendly

Built FOR the firearms industry. We'll never ban you for legal gun-related transactions.

⚡ Instant Transfers

Send money to other users instantly and free. No waiting, no fees.

🔐 Transparent Reserves

100% backing with USDC. Your money is always there when you need it.

💰 Low Fees

Free ACH deposits, free withdrawals, free transfers. Only pay for card deposits.

Ready to Get Started?

Join thousands of firearms enthusiasts and businesses who trust PayGunner for their transactions.

Create Free Account

No credit card required • Free to sign up • Start using immediately