I've had shops take it and others refuse, most recently though I bought a 1917 (which had been altered) and didn't even think to bring my license as I was just stopping by a shop with no plans to buy. It saves a little money and time here as there is a state background check fee and currently a 3 day wait for it to process.

I've had pretty good luck with online purchases. But if the auction states outright they don't I move on or consider if I'm willing to pay the FFL fee.

I do think it is more expensive to ship a firearm to a residence vs a business. I could be wrong on that but I certainly know when I ship a gun to a residence it's very expensive, double what the average seller charges despite me driving to the major shipping hub here.