Pawn & Bullion Payment Processing

Pawn and bullion dealers handle large tickets, fast-moving prices, and AML obligations. Roots sets up processing that fits, for virtually any legal business, subject to underwriting.
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Payment solutions for pawn & precious metals

How these solutions work for pawn & precious metals

See what each option adds to the way your business takes and tracks payments.

High-Risk Merchant Account

For pawn & precious metals: Present your model for resale goods, precious metals and permitted charges to specialist processing partners, with product and fulfillment documentation prepared.
  • Pre-underwriting review of your website, checkout, and documents (state pawn licenses, police-reporting compliance, and product mix)
  • Application packaged and submitted only to acquirers with appetite for your category
  • Plain-English walkthrough of pricing, reserve, and termination terms before you sign
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Roots POS

For pawn & precious metals: Bring resale goods, precious metals and permitted charges into a business-tools workflow, with setup, staff training and reporting for item descriptions, appraisals and transaction histories.
  • Catalog import and SKU setup
  • Hardware recommendations and configuration
  • Staff training on age-verification and refund workflows
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✓

Payment approved

$505.25 · Visa •• 4242

Cash Discount Program

For pawn & precious metals: Design a clearly presented cash-price program for resale goods, precious metals and permitted charges, with checkout wording and receipts aligned.
  • Review of state rules for your locations
  • Signage and receipt setup
  • Staff scripts for customer questions
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E-commerce Payments

For pawn & precious metals: Add online checkout for resale goods, precious metals and permitted charges, with order references carried through payment and fulfillment.
  • Check that your cart platform's own acceptable-use policy allows your products
  • Gateway setup, fraud-rule tuning, and test transactions before launch
  • Checkout disclosure review (refunds, shipping, age or eligibility limits)
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Chargeback Management

For pawn & precious metals: Organize evidence for disputed resale goods, precious metals and permitted charges, including customer authorizations, delivery details and service records.
  • Discuss your business goals on a free consultation
  • Coordinate your provider introduction and setup
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ACH Payments

For pawn & precious metals: Offer bank-account payments for resale goods, precious metals and permitted charges, with authorization and invoice matching built into the workflow.
  • ACH underwriting alongside your card account
  • Authorization language and receipt templates
  • Integration into invoices, checkout, or your CRM
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✓

Transfer initiated

$750.00 · ref ACH-7731

Credit Card Surcharging

For pawn & precious metals: Plan credit-card surcharge disclosures for resale goods, precious metals and permitted charges, keeping eligible card payments distinct at checkout.
  • Check your state's surcharge rules
  • Register the program with the card brands where required
  • Set up signage and receipt disclosures
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Text to Pay

For pawn & precious metals: Send a payment request for resale goods, precious metals and permitted charges by text so customers can pay against a specific order or invoice.
  • SMS opt-in and TCPA-aware messaging setup
  • Template copy for links and receipts
  • Integration with your CRM or case system
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Crypto Payments & Conversion

For pawn & precious metals: Plan a digital-asset payment option for resale goods, precious metals and permitted charges, with conversion and reconciliation mapped to the sale.
  • Introduction and onboarding support with our service partners
  • Checkout placement alongside card and ACH options
  • Customer-facing FAQ copy
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Level 2/3 Processing

For pawn & precious metals: Include purchase-order references and itemized invoice data for business-card purchases of resale goods, precious metals and permitted charges.
  • Data mapping from your ERP or invoicing
  • Interchange review after launch
  • Ongoing support
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Mobile Payments

For pawn & precious metals: Collect payments for resale goods, precious metals and permitted charges away from a fixed counter, with transactions recorded against the sale or job.
  • Device selection and setup
  • Field staff training
  • Receipt and evidence templates for disputes
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Payouts

For pawn & precious metals: Distribute amounts owed to consignors and precious-metal suppliers, with payment references matched to item descriptions, appraisals and transaction histories.
  • Map who you pay and when
  • Set up recipient onboarding
  • Connect payouts to your sales data
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Pawn & Precious Metals we set up and support

Pawn & Precious Metals payment questions

Start with the workflows your business needs. Options on this page include Pawn Shop Merchant Account, Pawn Shop POS System, Pawn Shop Cash Discount Program. Roots helps compare the setup, software and processing requirements around how you operate.
Yes. Bring your current POS, checkout or billing tools and recent processing statements. We review your product catalog, checkout, account history and processing application, then plan the changes your pawn & precious metals business needs.
Request a quote for your business. The review covers your payment mix, locations, software, hardware recommendations and implementation work. Consultations and payment reviews are free.
Bring recent payment statements, the systems you use and a record of how a customer places an order, receives a service or pays a bill. Tell us which pawn & precious metals workflows need to improve so we can scope a practical setup.

Payments for pawn & precious metals, set up right

Talk to our sales team about your setup, or become a partner and bring us your merchants.
Talk to a pawn & bullion dealer payments specialistPartner with Roots