They don't do that here...yet. I'm pretty sure it's on the way, though. But the checks are actually "instant". I've seen my dealer hit submit and have the approval in well under a minute. The governor also just signed a law that states any business conducting business in the state will be banned from doing business in the state if they discriminate against other lawful businesses. It's designed to punish businesses like credit card processors that refuse to work with gun dealers or other firearm related businesses.