Jewelry Payment Processing
Merchant Accounts for Jewelry Retailers
Reliable payment processing for jewelry stores, fine jewelry brands, online jewelry retailers, and estate jewelry dealers.
Jewelry Industry Expertise
Our underwriting team works with jewelry retailers, fine jewelry brands, and estate jewelry dealers across all sales channels.
Chargeback Defense
Integrated dispute alerts protect jewelry retail revenue from chargebacks on high-value fine jewelry transactions.
Global Buyers
Accept payments in 135+ currencies from international jewelry buyers with local acquiring for better approval rates.
See How Your Jewelry Processing Rates Compare
Jewelry merchants with high average tickets benefit from interchange-plus pricing. Enter your volume to see what we can offer.
- Underwritten for fine jewelry transaction values
- Multi-currency for international jewelry buyers
- Chargeback alerts for authentication disputes
How much are you overpaying?
Enter your numbers from last month's processing statement.
All figures shown are estimates only and may be subject to change based on application review, business model, risk factors, and underwriting assessments. This tool does not constitute a commitment, guarantee, or offer of specific terms.
Same-day decisions · No application fee · Dedicated account manager
Processing Built for Fine Jewelry and Luxury Retail
Challenges Jewelry Retailers Face
High Average Transaction Flags
Fine jewelry invoices often run $1,000 to $25,000. Standard processor transaction limits can block sales at the point of purchase.
Authentication Disputes
Customers who question gem grades, metal purity, or piece authenticity may dispute charges, creating costly chargeback situations for jewelers.
International Buyer Declines
International fine jewelry buyers on foreign-issued cards see higher decline rates when processors lack local acquiring in their home market.
Online Jewelry Fraud
High-value online jewelry orders attract sophisticated fraud operations. Without advanced screening, fraudulent orders create inventory losses and chargebacks.
Built for Jewelry Retail
Jewelry Underwriting
Specialist underwriting for fine jewelry retailers, estate dealers, online stores, and luxury jewelry brands.
High-Ticket Processing
Underwriting that explicitly accounts for fine jewelry transaction sizes, so you are never blocked mid-sale by transaction limits.
Chargeback Alert Integration
Ethoca and Verifi alerts catch incoming disputes before they post, protecting revenue on high-value jewelry purchases.
Advanced Fraud Screening
Velocity rules, device fingerprinting, and 3D Secure 2.0 protect against fraud operations targeting high-value jewelry orders.
Multi-Currency Acquiring
Accept 135+ currencies with local acquiring relationships that improve approval rates for international fine jewelry buyers.
Dedicated Account Manager
A named account manager experienced with luxury retail and jewelry payment processing, available around the clock.
Corepay By the Numbers
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135+ Currencies Supported
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24-72h Typical Approval Window
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98% Uptime SLA
Processing Payments in 30+ Countries
United States
50 statesFull domestic processing with next-day funding and dedicated account management.
European Union
27 member statesPSD2 and SCA compliant processing across all EU member states with multi-currency settlement.
United Kingdom
England, Scotland, Wales, NIFCA-regulated payment processing with GBP settlement and local acquiring.
Australia
All territoriesAPRA-compliant processing with AUD settlement and Asia-Pacific connectivity.
More customers are choosing to shop for expensive jewelry online, from engagement rings and watches to custom-designed pieces. If you sell jewelry online, you need a merchant account that handles the unique risks of this industry. We serve online and retail jewelers selling new, used, and vintage jewelry.
Why Jewelry Is High-Risk
Jewelry is labeled high-risk for several reasons. Buyer’s remorse is common with expensive purchases, especially when customers find a better option after ordering. Chargebacks are frequent because customers cannot physically try on items before purchase, and custom pieces may not meet expectations. High-ticket transactions are inherently riskier due to the larger dollar amounts involved. And the jewelry industry is susceptible to fraud, including counterfeit products.
Applying for Your Account
We aim to make the application process quick and seamless. You will need:
- Company EIN document
- Personal and business financial statements
- Proof of operating address
- Articles of incorporation
- Principal’s driver’s license
- Voided check
MCC Code
The merchant category code for jewelry and precious stones is MCC 5094.
Why Choose Corepay
We waive all application, setup, and annual fees. Many jewelers use our processing to increase revenue while managing chargebacks.
- Competitive pricing
- Approvals within 24 to 72 hours
- High-volume processing
- Integration with all major payment gateways
- Multi-currency support
- PCI Level 1 secure gateway
- Mobile payment acceptance
- 24/7 customer service
