IMPORTANT: PayGunner prohibits the use of our Services for illegal transactions or transactions involving prohibited items. Violation of this policy will result in immediate account termination, transaction reversal, and reporting to appropriate law enforcement authorities.
1. Policy Overview
PayGunner proudly serves the firearms industry and supports the Second Amendment rights of law-abiding Americans. This policy prohibits only ILLEGAL transactions - we fully support and encourage legal firearms commerce.
Key Principle: Users are solely responsible for ensuring their transactions comply with all applicable laws. PayGunner is a payment processor only and does not verify the legality of underlying transactions.
What IS Allowed - Legal 2A Commerce
PayGunner SUPPORTS payment processing for all LEGAL firearms-related transactions, including:
- Firearms: Handguns, rifles, shotguns, and other legal firearms
- Ammunition: All calibers and quantities (where legal)
- Magazines: Standard and high-capacity magazines (where legal)
- NFA Items: Properly registered suppressors, SBRs, SBSs, AOWs with ATF approval
- Gun Parts & Accessories: Barrels, triggers, optics, scopes, sights, grips, stocks
- Knives & Edged Weapons: Tactical knives, pocket knives, fixed blades (where legal)
- Holsters & Gear: Concealed carry gear, tactical equipment, range bags
- Body Armor: Plates, carriers, protective equipment (where legal)
- Gunsmithing Services: Repairs, customization, cerakote, engraving
- Training & Education: Firearms training courses, safety classes, CCW classes
- Range Services: Range fees, memberships, target practice
- Hunting Equipment: Hunting licenses, tags, blinds, calls, decoys
If it's legal in your state, we support it. PayGunner exists because mainstream payment processors refuse to serve the 2A community.
2. Prohibited Firearm Transactions (ILLEGAL Items Only)
Illegal Firearms
- Unregistered NFA Items: Machine guns, silencers/suppressors, short-barreled rifles (SBRs), short-barreled shotguns (SBSs), destructive devices, or "any other weapons" (AOWs) that are not properly registered with ATF
- Post-1986 Machine Guns: Machine guns manufactured after May 19, 1986, for civilian ownership (unless transferee is SOT/FFL with proper authorization)
- Improvised or Homemade Firearms: Firearms manufactured without proper serial numbers or ATF Form 1 approval
- Stolen Firearms: Any firearm reported stolen or with obliterated serial numbers
- State/Local Prohibited Firearms: Firearms illegal under applicable state or local law (e.g., "assault weapons" in California, large-capacity magazines in restrictive states)
Sales to Prohibited Persons
Federal law (18 U.S.C. § 922(g)) prohibits firearm sales to certain categories of persons. PayGunner prohibits processing payments for sales to individuals who are:
- Convicted felons
- Fugitives from justice
- Unlawful users of or addicted to controlled substances
- Adjudicated as mental defectives or committed to mental institutions
- Illegal aliens or nonimmigrant visa holders (with limited exceptions)
- Dishonorably discharged from the Armed Forces
- Subject to domestic violence restraining orders
- Convicted of misdemeanor domestic violence crimes
- Under federal or state indictment for crimes punishable by more than one year imprisonment
- Persons who have renounced U.S. citizenship
Note: Sellers are responsible for ensuring buyers are not prohibited persons. FFL dealers must conduct NICS background checks.
Illegal Interstate Transfers
- Direct Interstate Sales: Shipping firearms across state lines without FFL involvement (except for long guns when permitted by both states' laws and conducted through FFL)
- Straw Purchases: Purchasing a firearm on behalf of someone who is prohibited from owning firearms
- Unlicensed Dealing: Engaging in business as a firearms dealer without proper FFL
Age-Restricted Sales
- Handgun sales to individuals under 21 years of age
- Long gun (rifle/shotgun) sales to individuals under 18 years of age
- Ammunition sales in violation of state or federal age restrictions
3. Prohibited Non-Firearm Items
Weapons and Explosives
- Explosives: Bombs, grenades, mines, dynamite, C4, or other explosive devices (except legally possessed with proper ATF permits)
- Chemical/Biological Weapons: Any chemical, biological, or radiological weapons
- Switchblades/Automatics: Automatic knives sold in violation of federal or state law
- Prohibited Weapons: Brass knuckles, blackjacks, saps, or other weapons illegal under state law
Controlled Substances
- Illegal drugs (marijuana, cocaine, heroin, methamphetamine, etc.)
- Prescription medications sold without valid prescription
- Drug paraphernalia
Counterfeit Goods and Fraud
- Counterfeit firearms, parts, or accessories
- Stolen goods or property
- Fraudulent identity documents
- Counterfeit currency
4. Prohibited Financial Activities
Money Laundering and Financial Crimes
- Structuring: Breaking up transactions to avoid reporting thresholds
- Money Laundering: Transactions designed to conceal the source of illegally obtained funds
- Terrorist Financing: Providing funds to designated terrorist organizations
- Sanctions Violations: Transactions with OFAC-sanctioned individuals, entities, or countries
Fraud and Misrepresentation
- Identity theft or use of stolen payment information
- False representation of goods or services
- Phishing or social engineering schemes
- Chargebacks abuse or friendly fraud
5. Prohibited Sellers and Buyers
5.1 Prohibited Sellers
PayGunner prohibits accounts for businesses or individuals engaged in:
- Unlicensed firearms dealing (engaging in business without FFL)
- Knowingly selling to prohibited persons
- Operating in violation of federal, state, or local law
- Previous violations of our Terms of Service
- Businesses on OFAC sanctions lists
5.2 Prohibited Buyers
Individuals may not use PayGunner if they:
- Are prohibited persons under 18 U.S.C. § 922(g)
- Intend to violate any federal, state, or local law
- Are purchasing on behalf of a prohibited person (straw purchase)
- Are located in sanctioned countries or on OFAC lists
6. Monitoring and Enforcement
6.1 Transaction Monitoring
PayGunner employs automated and manual transaction monitoring to detect prohibited activities, including:
- Keyword screening of transaction descriptions
- Pattern analysis for suspicious behavior
- High-risk transaction flagging
- OFAC sanctions screening
6.2 User Reporting
Users may report suspected violations by contacting:
6.3 Consequences of Violations
Violations of this Prohibited Items Policy will result in:
- Immediate Account Suspension: Account access terminated pending investigation
- Transaction Reversal: Prohibited transactions will be reversed where possible
- Fund Holds: Funds may be held pending investigation or law enforcement request
- Permanent Ban: Users who violate this policy will be permanently banned
- Law Enforcement Reporting: Suspected criminal activity will be reported to appropriate authorities
- SAR Filing: Suspicious activities will be reported to FinCEN via Suspicious Activity Report
7. Legal Basis
This policy is based on and enforces compliance with:
- Gun Control Act of 1968: 18 U.S.C. Chapter 44
- National Firearms Act: 26 U.S.C. Chapter 53
- Firearm Owners Protection Act: 18 U.S.C. § 921 et seq.
- Brady Handgun Violence Prevention Act: 18 U.S.C. § 922(t)
- Bank Secrecy Act: 31 U.S.C. § 5311 et seq.
- USA PATRIOT Act: Public Law 107-56
- State Firearms Laws: Applicable state statutes and regulations
8. User Responsibilities
By using PayGunner, you agree to:
- Comply with all applicable federal, state, and local laws
- Ensure you are legally permitted to engage in firearm-related commerce
- Conduct proper background checks if required (for FFL dealers)
- Verify the legality of items and transaction counterparties
- Maintain required records (for business users)
- Immediately report any suspected violations to PayGunner
9. Updates to This Policy
PayGunner reserves the right to update this Prohibited Items Policy at any time to reflect:
- Changes in applicable laws and regulations
- New prohibited items or activities
- Industry best practices
- Guidance from regulatory authorities
We will notify users of material changes by posting the updated policy on our website and updating the "Last Updated" date. Continued use of the Services after changes constitutes acceptance of the updated policy.
10. Contact Information
Questions about this policy or to report violations:
Compliance Department
Email: compliance@paygunner.com
General Support
Email: support@paygunner.com
Zero Tolerance: PayGunner maintains a zero-tolerance policy for illegal activity. We cooperate fully with law enforcement and will pursue all available legal remedies against users who violate this policy.
