High-value luxury transactions with tailored risk controls.
Quick approvals via custom underwriting for jewelry sales.
Tailored accounts built for high-value jewelry and luxury items, reducing declines and ensuring smooth transactions.
Approval processes designed for high-ticket items like diamonds, watches, and gold, helping merchants get approved faster.
Protect your business from disputes and high-value chargebacks with jewelry-specific safeguards.
High-Value Transaction Workflows in Luxury Retail
Jewelry merchants deal with payment challenges other retailers never face. When customers buy diamonds, watches, or gold pieces, standard payment systems often fall short.
These sales rarely follow simple checkout flows. A custom ring might start with a 30% deposit. The jeweler orders materials. Two more payments follow during crafting. The customer picks up the finished piece after the final payment clears. Without flexible payment handling, these sales stall.
Traditional processors flag jewelry sales as risky for several reasons:
Transactions frequently exceed $1,000 (often reaching $50,000+)
Luxury purchases see more chargebacks than everyday retail
Gold and gem values fluctuate, complicating pricing
Custom work takes weeks or months to complete
SensaPay built jewelry-specific accounts that work with these patterns. Our system expects high-ticket sales and won't freeze funds that other processors might hold for "suspicious activity."
Jewelry Businesses That Need Specialized Accounts
We serve distinct segments within the jewelry market:
Independent Jewelers: Small boutiques and family-owned shops need payment systems that work both at the counter and through their websites.
Luxury Watch Retailers: Watch sales hit different price points than most retail. These merchants need higher processing limits without excessive holds.
Gold and Diamond Dealers: Raw material dealers process fewer transactions at higher values. They need accounts scaled for five and six-figure sales.
Online Jewelry Marketplaces: Digital platforms face unique fraud challenges. They need stronger verification without creating customer friction.
These businesses mix various payment types. One-time purchases. Layaway plans. Monthly payments. Repair fees. Service contracts. Each needs proper handling to keep cash flowing while minimizing risk.
Flexible Payment Methods for Jewelers & Watch Retailers
Jewelry sales happen everywhere: elegant showrooms, trade shows, private viewings, and online. Your payment system must follow.
In-Store Payments
Sleek terminals that complement luxury settings with tap/chip options.
Online Checkout
E-commerce tools with fraud screening built for high-value jewelry.
International Card Support
Accept foreign cards and currencies from global luxury buyers.
Card readers for trunk shows and client visits with full security anywhere.
Direct payments that bypass card fees on your biggest sales.
Custom payment requests for deposits and services branded your way.
Financing and Installment Plans for Luxury Items
Fine jewelry often exceeds immediate budgets. SensaPay helps jewelers offer payment plans that make luxury accessible without cash flow problems.
Wedding sets, heirloom pieces, and luxury watches become attainable through structured payments. We help merchants create:
Deposit systems for custom work
3/6/12-month payment schedules
Split payments for couples buying wedding jewelry
Auto-billing for warranty coverage
Connections to outside financing partners
Each option includes payment tracking, customer alerts, and simple bookkeeping. You craft stunning pieces while we handle the payment logistics.
Payment Processing for High-End Jewelry Stores
Our tools match how jewelry really sells, with features built for luxury goods and precious metals.
1
Split Payments & Shared Orders
Let multiple buyers contribute to a single high-ticket item.
3
Hold & Release Management
Secure funds until pieces ship or pass final inspection.
5
Transaction Categorization
Sort sales by collection, designer, or metal type for better tracking.
6
Instant Settlement Options
Get funds faster when you need quick inventory restocking.
Apply for a Merchant Account for Your Jewelry Store
Secure your specialized jewelry merchant account with approval rates 3x higher than standard processors.
Book a Demo
Apply Now
Integrations with POS, CRM, and E-Commerce Platforms
Jewelry businesses run on specialized software. Your payment system should connect seamlessly with these tools.
Most jewelers waste hours manually matching payment records with inventory systems. Sales recorded in one system don't update others. Discrepancies grow. Time drains away.
SensaPay fixes this broken workflow. We link directly with your existing tools, creating connections that update automatically.
Inventory Management: Sales instantly adjust stock counts across all systems.
Jewelry POS Systems: We work with The Edge, ARMS, Lightspeed, and specialty platforms.
CRM Tools: Customer purchases flow into your client database for better follow-up.
E-commerce Sites: Shopify, WooCommerce, and custom sites connect smoothly.
Appraisal Systems: Link payment records with certificates and documentation.
Financing Partners: Connect lending options directly at checkout.
This connected approach means less data entry, fewer mistakes, and better business insights. You'll spend less time reconciling systems and more time with customers.
Other Industries
Precious Metals
Designer Goods
Pawn Shops
FAQs About Jewelry Merchant Services
Transform How You Handle Luxury Transactions
Streamline payment acceptance for your jewelry business with solutions built for high-value sales.
Get in Touch
Sales: (888) 808-0731
Head Office
6300 Wilshire Blvd
Suite 1230
Los Angeles, CA 90036
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