--- title: "The Power of Partnership: Put Payroc to Work For You" description: FFL-friendly payment processing designed to support connected online and in-store sales for modern firearm retailers. --- ![Payroc + Monarch Wave](https://partners.payroc.com/hs-fs/hubfs/Payroc%20+%20Monarch%20Wave.png?width=568&height=106&name=Payroc%20+%20Monarch%20Wave.png) ## FFL-Friendly Payment Processing for Firearms Businesses Integrated payment solutions designed to help firearm retailers unify online and in-store payment experiences.     **GET STARTED HERE**   ![Monarch Wave LP Image](https://partners.payroc.com/hubfs/Monarch%20Wave%20LP%20Image.png) Built for the Firearms Industry ## Connected, Compliant Payments for Online and In-Store Sales Together, Monarch Firearms and Payroc help firearm retailers simplify the way they sell online and in-store. By combining Monarch Firearms solutions with Payroc's payment technology, retailers can create a more connected, compliant experience for both staff and customers. - Support online and in-store sales - Simplify operations and reporting - Accept secure, compliant payments WHY FIREARM RETAILERS CHOOSE PAYROC ## Easy for staff. Simple for customers. Secure by design. #### Accept Payments Anywhere Support online and in-store payments through your Monarch Wave software. #### Flexible Payment Options Accept credit cards and ACH payments with ease. #### Lower Processing Costs Offer cash discounting programs designed to help reduce fees. #### Modern Payment Devices Reliable payment terminals built for today’s firearm retail environment. #### Protect Payment Data Secure recurring and future payments with secure tokenization. #### Secure + Compliant Processing PCI-compliant payment processing with support for the FFL registration process. ![Laura Morgan](https://partners.payroc.com/hs-fs/hubfs/Laura%20Morgan.jpeg?width=200&height=200&name=Laura%20Morgan.jpeg) ## Work with a team that knows firearms. Laura Morgan and the Payroc team work closely with firearm retailers to help simplify payment processing across online and in-store sales. From onboarding to ongoing support, our team understands the unique needs of firearm businesses and is here to help every step of the way. [Get started](https://partners.payroc.com/monarch-wave#get-started) FAQs ## Have a question? You can find some of the most commonly asked questions answered here. ## Do you support firearm retailers and FFL businesses? Yes. Payroc works with firearm retailers and understands the unique operational and onboarding requirements involved in supporting firearm-related transactions. ## Can I accept payments both online and in store? Yes. Payroc supports payment experiences for both online and in-store sales, helping firearm retailers create a more connected customer experience. ## Does this work with WooCommerce? Yes. Payroc can support WooCommerce payment experiences as part of a connected online and in-store retail environment. ## What payment types are supported? Payroc supports major credit cards, debit cards, and ACH payment options. ## Do you offer cash discounting programs? Yes. Payroc offers compliant cash discounting options designed to help firearm retailers offset processing costs. ## How quickly can I receive funding? Most merchants receive funding within 1–2 business days after transactions are processed. Faster funding options may also be available depending on your business setup and processing program. ## What documents are required for underwriting? Requirements vary by business, but commonly requested documents include your FFL, SOT documentation (if applicable), and a bank letter or voided check for funding setup. Additional business or website information may also be requested depending on how you accept payments. ## Is the payment environment secure and compliant? Yes. Payroc supports PCI-compliant payment environments and understands the onboarding requirements commonly associated with firearm retail businesses. ## Will I have access to support during onboarding? Yes. The Payroc team works with firearm retailers throughout onboarding, setup, and implementation to help simplify the transition process. [Get started](https://partners.payroc.com/monarch-wave#get-started) ## About Payroc 789M+ Annual Transactions $125B Annual Volume 190k+ Clients 1,340 Global Operations Team Platform Move Money - [Payment Processing](https://payroc.com/payment-processing-services/) - [Omnicommerce Gateway](https://payroc.com/solutions/gateway/) - [Pricing Programs](https://payroc.com/payment-processing-options/) - [Global Payment Orchestration](https://payroc.com/solutions/payment-orchestration/) Run the Business - [Payroc Capital](https://payroc.com/merchant-financing-solutions/) - [Invoicing & Billing](https://payroc.com/invoicing-and-billing/) - [Point-of-Sale Systems](https://payroc.com/point-of-sale-systems/) - [Giving & Donations](https://payroc.com/donations-and-giving/) - [Data & Analytics](https://payroc.com/payment-analytics/) Integrate & Build - [Integrated Payments](https://payroc.com/integrated-payments/) - [Integration Essentials](https://payroc.com/solutions/prebuilt-integrated-payment-solution-for-saas/) - [Payroc Cloud](https://payroc.com/solutions/cloud/) - [Full Stack](https://docs.payroc.com/solutions#full-stack) - [Developer Experience](https://payroc.com/solutions/developer-experience/) - [Direct ERP Integrations](https://www.bluesnap.com/partners/?_partner_category=erp-crm) Who We Serve Partner With Us - [Software Providers](https://payroc.com/industries/saas-vendors/) - [ISOs & Agents](https://payroc.com/industries/sales-partners-agent/) - [Financial Institutions](https://payroc.com/industries/financial-institutions/) - [Referral Partners](https://payroc.com/industries/referral-partners/) Process With Us - [Small & Midsize Businesses](https://payroc.com/industries/merchants/) - [Enterprise](https://payroc.com/enterprise-payments/) Build With Us - [Developer Experience](https://payroc.com/solutions/developer-experience/) Developers - [Developer Portal](https://developers.payroc.com/) - [Payroc.ai](https://payroc.ai/) - [Developer Docs](https://docs.payroc.com/) Who We Are - [About Us](https://payroc.com/about-us/) - [Events](https://payroc.com/events/) - [Careers](https://payroc.com/about-us/careers/) - [Our Community](https://payroc.com/about-us/our-community/) - [Our Team](https://payroc.com/about-us/our-team/) Resources Learn - [Blog & Insights](https://blog.payroc.com/?hsLang=en) - [Case Studies](https://payroc.com/case-studies/) - [Product Updates](https://payroc.com/product-updates/) - [Feature Log](https://payroc.com/feature-log/) - [News & Press](https://payroc.com/about-us/awards-and-press/) Support - [Support Center](https://support.payroc.com/) - [Security & Compliance](https://payroc.com/security-and-compliance/) --- **System status** All systems operational Payroc WorldAccess, LLC or its subsidiaries (“Payroc”) is a registered Independent Sales Organization (ISO) of Fifth Third Bank, N.A., Cincinnati, OH, Peoples Trust Company, Vancouver, BC, Canada, PNC Bank, N.A., Pittsburgh, PA, Wells Fargo Bank, N.A., Concord, CA, Wells Fargo Bank, N.A., Canadian Branch, Toronto, ON, Canada, Citizens Bank, N.A., Providence, RI, Merrick Bank Corporation, South Jordan, UT, Woodforest National Bank, The Woodlands, TX and KeyBank, N.A., Cleveland, OH. Payroc is a registered Encryption Support Organization (ESO), Payment Facilitator (PF), Third-Party Servicer (TPS), Merchant Service Provider (MSP), and a Third-Party Agent (TPA) of Fifth Third Bank, N.A., Cincinnati, OH. - [Follow us on LinkedIn](https://www.linkedin.com/company/payroc) - [Follow us on Instagram](https://www.instagram.com/payroc) - [Follow us on Facebook](https://www.facebook.com/payroc/) - [Follow us on Twitter](https://twitter.com/_Payroc) [![Payroc BBB Business Review](https://payroc.com/wp-content/uploads/2026/05/bbb-accredited-business.png)](https://www.bbb.org/us/il/tinley-park/profile/payment-processing-services/payroc-0654-90002110/#sealclick) Copyright © 2026 Payroc WorldAccess, LLC - [Legal](https://payroc.com/legal/) - [Accessibility Statement](https://payroc.com/accessibility-statement/) - [Reviews](https://payroc.com/reviews/)