Friday, October 23, 2026
News For Internet Marketers
Jotform's July Authorize.net announcement offered two sign-up paths. For supplement and hemp sellers, Gateway Only is the one to understand, from supported processors and eCheck underwriting to switching acquirers without new API keys.
An analysis of ATF's plan to drop the 2024 engaged in the business presumptions, including one tied to merchant services, and what it means for gun marketplaces and payment providers.
Analysis. Stripe's Prohibited and Restricted Businesses page, updated September 22, 2026, says U.S. merchants selling electronic tobacco may only sell FDA-authorized products. Shopify Payments prohibits tobacco outright, and PayPal's 2022 policy puts e-cigarettes in pre-approval.
Authorize.Net full-card exports need an owner-approved, fee-based request that can take three weeks, NMI imports only through affiliate-initiated PGP files and charges at least $500 to export, and neither gateway imports subscription schedules.
When an acquirer moves a firearm or nicotine account to MCC 5723, 5993, or a new location record, Visa's April 2026 data rules and October 2026 dispute guide make the statement descriptor part of the change, with VAMP's 1.5% merchant line leaving little room for unrecognized charges.
Firearm and other regulated merchants that authorize at checkout and capture after FFL transfer or backorder release need Authorize.Net's 30-day unsettled ceiling, NMI's processor-dependent auth windows, and tested reauth plus customer notices before holiday volume.
BigCommerce lists native NMI and Authorize.Net connections for specialty MIDs when platform rails drop regulated catalogs. The Payments API table shows Authorize.net vaulting support and NMI raw-card-only limits, while Commerce's AUP puts highly regulated product compliance on the merchant.
NMI's Classic API Migration Playbook moves server-side payments from /api/transact.php to JSON endpoints such as POST /api/v5/payments/sale, with the private key alone in the Authorization header and errors returned as HTTP status codes. Keys and Collect.js tokens carry over, and the classic API stays supported.
Visa Compelling Evidence 3.0 under Dispute Condition 10.4 expands on October 24, 2026 to prior purchases on the same card or associated tokens, including across merchants an acquirer processed, when qualifying data elements match.
ATF's October 9, 2026 Open Letter ends enforcement of NFA approval and registration for suppressors, short-barreled rifles and shotguns, and any other weapons, but special occupational taxes, Gun Control Act duties, and state laws still govern online FFL sales.
