Accepted Payment Methods: 5 Secure Options Explained

Legal & policies

Our accepted payment methods cover what most customers actually use, we tell you when your card is charged, and we do not add a fee at the last step of checkout. This page covers our accepted payment methods, authorisation holds, verification, taxes, layaway and what happens when a payment fails.

What we accept

Credit and debit cards

Visa, Mastercard, American Express and Discover, issued in the United States, with a billing address that matches the card. Cards are processed through a PCI-compliant gateway and we never see or store your full card number.

Digital wallets

Where enabled at checkout, wallet payments let you pay without re-entering card details. The same billing address matching applies.

Bank transfer

Available for larger orders. Goods ship once funds clear, usually one to three business days. Ask us for details before paying, and never send funds using details supplied by anyone other than us.

Gift cards and store credit

Redeemable in full or in part against any order. Any remaining balance stays on the card for next time.

Layaway

Reserve an item with a deposit and pay it down over time. Full terms are on the layaway page.

What we do not accept

Cash by mail, cryptocurrency, international cards, and third-party payments from a card that is not in your name.

When your card is charged

Your card is authorised at the moment you place the order and charged when we accept it, normally the same or next business day. We do not wait until shipment, because firearm orders are held for dealer verification and it would be unreasonable to leave a large authorisation hanging on your account for a week.

Authorisation holds. If a payment fails validation you may still see a pending hold on your statement. That is your bank reserving the funds, not a charge from us. Holds usually clear on their own within three to five business days, and we can supply a release letter if your bank asks for one.

Order verification

Firearms are high-value goods and are a frequent target for card fraud, so some orders receive a manual check. We may ask you to confirm details by phone, or to provide proof that the shipping and billing addresses relate to you. This protects the cardholder as much as it protects us. Orders that we cannot verify are cancelled and refunded in full, with no charge and no black mark against you.

The most common cause of a declined or held order is a billing address that does not exactly match the one your card issuer holds. Apartment numbers, abbreviations and recent moves cause more failures than anything else.

Sales tax

Sales tax is calculated at checkout based on the destination and is applied where we are required to collect it. For firearms the destination is the dealer receiving the transfer, which occasionally means the tax rate differs from the one at your home address. If you hold a valid resale or tax exemption certificate, send it to us before ordering so the exemption can be applied. We cannot refund tax after an order has been processed.

Currency, pricing and errors

All prices are in United States dollars. Prices move with the market, particularly on ammunition, and a price shown today is not a promise for tomorrow. Very occasionally an item is listed with an obviously incorrect price because of a data feed error. Where that happens we will contact you, offer the item at the correct price or cancel and refund in full, and we will not simply charge you the difference without asking.

Failed payments and chargebacks

If a payment fails after an order is placed, we hold the order for two business days and contact you. Unpaid orders after that are cancelled and the stock released. If you believe a charge is wrong, please contact us before raising a chargeback. Almost every dispute is a misunderstanding about a hold, a partial shipment or a refund still in transit, and we can usually resolve it the same day. Chargebacks raised without contacting us may result in the account being placed on prepayment terms.

Refunds

Refunds go back to the original payment method. We process approved refunds within three business days, and your bank typically posts them within a further three to five. Refunds to a card that has since been cancelled are handled by your issuer, who will normally credit the replacement account. Store credit and gift card refunds are instant.

Security

Payments run over an encrypted connection through a PCI DSS compliant processor. We do not store card numbers, CVV codes or bank credentials on our servers, and no member of our team can retrieve your card details. We will never ask you to email or message a full card number, and any message that does is not from us.

Payment problem?

Tell us the order number and what your bank is showing, and we will sort it out with you rather than pointing you back at them.

Contact billing See layaway terms

Range Ready Supply does not offer financial advice and does not act as a credit broker. Any third-party financing offered at checkout is a contract between you and that provider.

Full List of Accepted Payment Methods

Our accepted payment methods include major credit and debit cards, and select digital wallets, processed through a PCI-compliant gateway secured to the standards published by the PCI Security Standards Council. Whichever of our accepted payment methods you choose, the FFL transfer and background check steps stay exactly the same.

Handgun purchased using one of our accepted payment methods — Any of our accepted payment methods can be used toward a handgun purchase.

Rifle bought through one of our accepted payment methods — Rifles can be purchased with the same accepted payment methods as any other item.

Are cryptocurrency or wire transfers among the accepted payment methods?

Not currently. Our accepted payment methods are limited to standard card and digital wallet processing at this time, though that may expand in the future as processors that work with firearms retailers become more available.

Do accepted payment methods differ for layaway or financing?

Layaway deposits use the same accepted payment methods as any other order. Financing works differently, since approval and repayment run through the third-party lender rather than through our own accepted payment methods list.

Firearm checkout showing accepted payment methods at final step — Checkout clearly lists our accepted payment methods before you confirm an order.

Why do accepted payment methods matter for firearm purchases specifically?

Firearm retailers have fewer accepted payment methods than most online stores because some processors decline to work with this industry at all. We chose our accepted payment methods specifically because they are reliable for firearms, ammunition, and NFA item transactions without unexpected holds.

What if my preferred payment method is not on the accepted payment methods list?

Contact us before ordering. We periodically review our accepted payment methods and may be able to accommodate a request even if it is not listed here yet, depending on processor availability at the time.