TINLEY PARK, ILLINOIS — Payroc, a leading payment processor and official Affinity Partner of the National Shooting Sports Foundation (NSSF), is helping firearm retailers reduce payment-processing costs by as much as 50–70% through its established surcharge program, RewardPay Choice. Backed by more than a decade of real-world implementation and trusted by firearm retailers across the U.S., the program provides a compliant way for merchants to offset rising card acceptance costs while maintaining a seamless checkout experience.
As processing costs continue to increase, more merchants are exploring ways to protect their margins without raising prices. With surcharging, a small, fixed-percentage fee is applied to card transactions, allowing businesses to share a portion of processing costs with customers. The surcharge percentage is set by the merchant (up to 3%; 2% in Oklahoma) and is automatically applied in accordance with card brand and state regulations.
Payroc's RewardPay Choice program is designed to meet the unique compliance requirements of firearm retailers. Used by merchants nationwide, the program adheres to all card brand rules and is supported in most states, with the exception of Connecticut, New York, Massachusetts, and Maine. Proper implementation is critical, and Payroc provides the guidance and infrastructure needed to ensure merchants remain compliant while optimizing cost savings.
As a firearms-friendly payments partner, Payroc understands the regulatory complexity and operational demands of the industry. The company supports merchants across in-store, mobile, and online environments, delivering reliable, scalable payment solutions tailored to firearm businesses.
NSSF members can access additional details, including eligibility and compliance considerations, through Payroc's private Payments Advantage Hub.
About Payroc: Founded in 2003, Payroc WorldAccess, LLC, is a global payment processor that helps businesses accept payments and optimize commerce. Payroc ranks among the top merchant acquirers in North America, processing more than $125 billion in volume annually and operating across 50 regions with direct connections to the major card networks. Its proprietary full-stack technology supports vertically tailored card-present, card-not-present, and omnichannel solutions for software providers, financial institutions, and merchants of all sizes. With a focus on innovation, scalability, and award-winning support, Payroc makes payments seamless and drives growth for partners worldwide. For more information, visit partners.payroc.com/nssf.