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Money Order(3%cash discount applies) Certified Check (3% cash discount applies) Personal Checks including online bill payments (3% cash discount applies, orders held for 5 business days for check to clear) E-Check / ACH (3% cash discount applies, orders held for 5 business days to allow funds to clear our bank) Visa, Mastercard, American Express, and Discover Credit Cards (cash discount does not apply). Debit cards may only be run as Credit Cards and therefore a cash discount does not apply. 90 Day Layaway (Most Firearms): 20% non-refundable deposit; pay balance in 90 days ($49 Minimum Purchase Required). 180 Day Layaway (Select Firearms Only): 10% non-refundable deposit; pay balance in 180 days.

Short answer, no. With credit and debit they charge the 3% to cover the transaction fees. If you found this answer helpful, please mark it as the "Best Answer". Thank you.