Get approved in as little as 24 hours. No setup fees, no hidden costs.
Get Started FreeHigh-Risk Industries · Jewelry & Precious Metals
Jewelry stores and precious metals dealers sell some of the highest-ticket products in retail — and that is exactly why mainstream processors decline, freeze, or terminate their accounts. PayKings specializes in high-risk merchant accounts for jewelry stores and online jewelry retailers, and precious metals merchant accounts for gold, silver, and bullion dealers. Working with 20+ banking partners, we place your business with an acquiring bank that understands high-value transactions, so you can accept credit card payments without surprise holds or shutdowns.
Be approval-ready
What jewelry & precious metals underwriters ask for
By the numbers
10,000+
Merchants approved across high-risk industries.
86%
Approval rate for the high-risk merchants who apply.
24hr
Average approval time once underwriting has your documents.
$2B+
Processed annually through PayKings merchant accounts.
Apply
A single fine jewelry sale can run into the thousands, which means one dispute can push your chargeback ratio past card-network thresholds. Add card-not-present fraud on online jewelry sales and the price volatility of gold and silver, and most traditional processors simply opt out of the category.
A jewelry stores merchant account built by a high-risk specialist solves the problem:
Getting set up
Complete a merchant application tailored to jewelry and precious metals businesses.
Provide the processing history, bank statements, and business documents underwriters need.
Our team matches your risk profile to the right acquiring bank among our 20+ banking partners.
Accept credit card payments in store and online, with next-day funding available and 24/7 support.
Every channel
PayKings delivers complete payment solutions for jewelry retailers across every channel you sell in. For your online store, that means:
One merchant account and one gateway power all of it, so omnichannel jewelry retailers reconcile every sale in one place.
Precious metals
Credit card processing for precious metals carries risks that generic processors are not built for:
Gold, silver, and bullion dealers need an acquiring bank that understands those mechanics rather than one that holds funds the first time a large order settles.
PayKings structures each precious metals merchant account with settlement timelines and reserve requirements suited to how dealers actually operate — keeping cash flow predictable even when one sale represents a week of revenue.
In store
A jewelry POS system has to do more than take payments. Look for:
PayKings pairs your merchant account with high-risk POS systems so in-store and online sales run through the same account and reporting — and real-time stock counts stay accurate when a one-of-a-kind piece sells.
Why PayKings
As an ISO, PayKings advocates for your business with acquiring banks instead of forcing you through one bank's blanket risk filters. That is why jewelers and precious metals dealers who have been declined elsewhere get approved with us — and why the accounts we place are built for a long-term processing relationship rather than a revolving door of approvals and sudden shutdowns.
Standard with every jewelry and precious metals merchant account:
Explore the other high-risk industries we serve, or apply today to get your jewelry store merchant account application started.
What's included
The difference
Built for the businesses other processors turn away.
FAQ
Everything you need to know about high-risk payment processing
See how PayKings supports adjacent verticals and the payment solutions that pair with them.
