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"Partner With A Veteran-owned, Pro-America Payment Company That Shares Your Values."

10/10/2026

How fast can an FFL start taking card payments?

With EPIC, your account is up and running within 24 hours. Most of the time, it's the same day.

Why does it take other processors so long? Many don't understand FFL businesses. They see "FFL," slow everything down, or turn you away.

We're different. EPIC works only with FFL and FFL-related businesses. Nothing else.

We already know how your business works. Home-based, retail, shows, online, or GunBroker, you won't have to explain what an FFL is.

So you can stop waiting and start getting paid.

Got a question about taking cards at your FFL? Drop it in the comments or give us a call.

09/10/2026

Somewhere tonight, someone is standing the watch.

Cold coffee. Red lens. Eyes on a dark horizon a long way from home.

Back here, a chair sits empty at the dinner table. A phone stays face up on the counter. A kid asks when. A spouse says soon, and hopes.

That's what today is for.

RED stands for Remember Everyone Deployed. Every Friday, wear red. Not for show. For them. For the ones serving overseas tonight, and for the families holding the line at home.

They don't ask for much. They ask to be remembered.

So wear red. Say their names. Until they all come home.

09/10/2026

Selling your FFL products through Square or PayPal?

Every week, we get a call from at least one FFL that tried it and got caught.

Their rules prohibit FFL product sales. When they find out, they can shut off your ability to accept credit cards and hold your money while they review your account. PayPal's terms allow holds of up to 180 days, about 6 months. Square's terms don't set a time limit at all.

No card payments. No access to your own funds. And now you're scrambling to find a processor that will take you.

Some people may never get caught. But we hear from the ones who do every single week. Is it worth betting your business on it?

EPIC Merchant Systems works ONLY with FFL and FFL-related businesses. Nothing else. Your account is set up for how you really sell from day one: home-based, retail, shows, online and GunBroker.

Most accounts are up and running within 24 hours, typically the same day.

Do it the right way the first time. Send us a message.

FFL merchant services and payment processing is all we do.

08/10/2026

Why did I start EPIC Merchant Systems?

I'm Steve Kelly. I served in the Marine Corps infantry with 3rd Battalion, 2nd Marines, deploying with the 26th MEU to Bosnia, and with 3rd Battalion, 7th Marines in Iraq.

I've always been part of the Second Amendment community, and I believe in how important it is to me, to my community, and to our nation. I wanted to work in an industry I believe in.

Then I saw how FFLs were treated by the payments industry, and I knew there was a better way to do this.

So I built EPIC to serve only FFL and FFL-related businesses. Nothing else. And to give them a way to get paid everywhere they want to sell: home-based, retail, shows, online, and marketplaces like GunBroker.

I no longer serve our nation in uniform. But I can still serve a community I love by providing a service it truly needs.

When you call us, you won't have to explain what an FFL is. This industry is all we work in. We get accounts up and running within 24 hours, typically the same day.

EPIC is veteran-owned and operated. Run an FFL business and want a processor that gets it? Send me a message. I'd be glad to talk.

FFL merchant services and payment processing is all we do.

07/10/2026

What happens when a dropped FFL shop calls EPIC?

Here's a look behind the scenes.

First, we listen. We ask what happened with your last processor and how your shop sells: in store, online, or both.

Next, we set you up with an account built for FFL businesses. You won't have to explain what an FFL is. This industry is all we work in.

Then we get you live. We get accounts up and running within 24 hours, typically the same day.

And if questions come up later, just reach out. We're here to help.

EPIC Merchant Systems works only with FFL and FFL-related businesses. Nothing else. FFL merchant services and payment processing is all we do.

Got dropped, or worried you might be? Send us a message.

06/10/2026

What's a chargeback?

A chargeback happens when a customer disputes a card charge with their bank. The money gets pulled back out of your account while the dispute is reviewed.

It can happen even when you did everything right. Sometimes the customer doesn't recognize the charge on their statement. Sometimes it's fraud. Sometimes it's buyer's remorse.

Here's how to protect your shop:
• Make sure your business name on card statements is one customers will recognize.
• Have customers insert or tap their card in store instead of typing the number in by hand.
• Keep receipts and records for every sale.
• For online orders, keep proof of shipping and delivery.
• Answer every dispute quickly, with your records attached.

Why it matters: too many chargebacks can get an FFL business flagged or dropped by its processor.

EPIC Merchant Systems works only with FFL and FFL-related businesses. Nothing else. Helping FFLs take card payments and keep their money is all we do. We can get your account up and running within 24 hours, typically the same day.

Questions about chargebacks? Send us a message.

05/10/2026

Did your processor just shut down your account?

One day you're ringing up customers. The next, you get an email saying you can no longer take card payments. Your money is held, and you're left scrambling.

It happens to FFL businesses all the time. That's because most payment companies don't understand your industry and don't want to.

EPIC Merchant Systems is different. We work only with FFL and FFL-related businesses. Not restaurants, not salons, nobody else. Helping FFLs take card payments, online and in store, is all we do, so we know your business better than anyone.

If you're worried about getting dropped, or it already happened, talk to the FFL payment experts.

04/10/2026

If you stop and argue with every barking dog, you’ll never reach your destination.

The ugly email.
The negative comment online.
The phone call that gets under your skin.
The remark at dinner you’re still replaying three days later.

How often do we surrender an afternoon to something that deserved five minutes, or no response at all?

I’ve done it. Most of us have.

We feel misunderstood. We want to defend ourselves. Set the record straight. Have the last word.

Meanwhile, the work sits unfinished. Our families get whatever patience we have left. The goals we said mattered get pushed to tomorrow.

All because we stopped to argue with the noise.

What other people think of you is none of your business. Your character, your conduct, and the promises you keep are your responsibility.

That applies at home and in business.

As a parent or spouse, you can spend your energy defending yourself to people outside your home, then walk through the door distracted and short-tempered with the people who need you most.

As a business owner, it might be a negative comment about your company or a customer who remains dissatisfied no matter how hard you work to help.

Address the concern honestly. Make things right where you can. But recognize when further back-and-forth stops being productive. Trying endlessly to satisfy one person can pull you away from the customers who count on you and the business you’re working to build.

Listen to honest criticism. Own your mistakes. Fix what needs fixing.

Then keep moving.

You don’t owe every provocation a response. You don’t need everyone’s approval to build a good life or a good business.

Before you engage, ask yourself:

Will this help me solve something?
Does this deserve my time?
Will it move me closer to where I want to go?

Your attention is part of your life. Spend it deliberately.

Make the call. Finish the work. Take care of the customer. Put the phone down and be present with your family.

Let the dogs bark.

Keep walking.

Steve Kelly
Founder, EPIC Merchant Systems

Address

Telephone

+18883500147

Website

http://www.epicmerchantsystems.com/

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