Crypto acceptance for bullion and gold dealers, settled in dollars

Crypto gives bullion and gold dealers another way to get paid when card options are limited. Customers pay in supported digital assets and you can receive U.S. dollars. Crypto conversion is provided through service partners coordinated by Roots. Roots Payments is not a bank, money transmitter, or crypto exchange.
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Payment solutions for bullion & gold dealers

How each solution supports bullion & gold dealers

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

High-Risk Merchant Account

For bullion & gold dealers: Present your model for resale goods, precious metals and permitted charges to specialist processing partners, with product and fulfillment documentation prepared. Roots Payments places bullion and gold dealers with acquiring banks and processors that knowingly underwrite gold, silver, and platinum bullion, so the account is built to last instead of flagged after the first review. We work with virtually any legal business, subject to underwriting; pricing, limits, and terms depend on the acquirer's review. Reserves may apply, and any reserve is disclosed in your agreement before you sign.
  • Pre-underwriting review of your website, checkout, and documents (AML program, supplier records, and pricing lock policy)
  • 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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E-commerce Payments

For bullion & gold dealers: Add online checkout for resale goods, precious metals and permitted charges, with order references carried through payment and fulfillment. Roots connects your store to a gateway and acquirer that approve your category, with fraud screening and 3-D Secure configured for card-not-present risk.
  • 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 bullion & gold dealers: Organize evidence for disputed resale goods, precious metals and permitted charges, including customer authorizations, delivery details and service records. Roots coordinates chargeback-management services to help your business handle disputes and organize responses.
  • Discuss your business goals on a free consultation
  • Coordinate your provider introduction and setup
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ACH Payments

For bullion & gold dealers: Offer bank-account payments for resale goods, precious metals and permitted charges, with authorization and invoice matching built into the workflow. Bank payments give bullion and gold dealers a lower-cost option for larger tickets and a backup if card processing is reviewed. ACH has its own risk rules, including return-rate limits under Nacha, so it is underwritten separately.
  • ACH underwriting alongside your card account
  • Authorization language and receipt templates
  • Integration into invoices, checkout, or your CRM
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✓

Transfer initiated

$333.00 · ref ACH-7731

Crypto Payments & Conversion

For bullion & gold dealers: Plan a digital-asset payment option for resale goods, precious metals and permitted charges, with conversion and reconciliation mapped to the sale. Crypto gives bullion and gold dealers another way to get paid when card options are limited. Customers pay in supported digital assets and you can receive U.S. dollars. Crypto conversion is provided through service partners coordinated by Roots. Roots Payments is not a bank, money transmitter, or crypto exchange.
  • Introduction and onboarding support with our service partners
  • Checkout placement alongside card and ACH options
  • Customer-facing FAQ copy

Level 2/3 Processing

For bullion & gold dealers: Include purchase-order references and itemized invoice data for business-card purchases of resale goods, precious metals and permitted charges. When retailers pay bullion and gold dealers with corporate or purchasing cards, passing Level 2 and Level 3 line-item data can qualify eligible transactions for lower interchange. Roots sets it up on an account approved for your category.
  • Data mapping from your ERP or invoicing
  • Interchange review after launch
  • Ongoing support
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Roots POS

For bullion & gold dealers: 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. Roots POS is a retail point of sale with inventory, customer records and reporting, paired with a partner-provided merchant account arranged by Roots. Some owners want a POS paired with their own merchant account, cash discount pricing or a local support contact. Roots Payments sets it up, imports your catalog and supports it.
  • Import your catalog and customers
  • Install and test hardware
  • Train staff
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✓

Payment approved

$383.78 · Visa •• 4242

Cash Discount Program

For bullion & gold dealers: Design a clearly presented cash-price program for resale goods, precious metals and permitted charges, with checkout wording and receipts aligned. A cash discount program shows a card price and a lower cash price so customers who pay cash save. Shops with thin margins and lots of card sales see the biggest savings. Roots Payments sets up compliant signage, receipts and pricing.
  • Check your state's rules first
  • Set up pricing, signage and receipts
  • Train staff to explain it
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Credit Card Surcharging

For bullion & gold dealers: Plan credit-card surcharge disclosures for resale goods, precious metals and permitted charges, keeping eligible card payments distinct at checkout. Surcharging adds a fee to credit card payments to offset processing costs. It's banned on debit cards, capped by card-brand rules and restricted in some states. It can offset fees on large tickets, but some customers dislike it, so we compare it with a cash discount first. Roots Payments sets it up to the rules or tells you when it's not a fit.
  • 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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Crypto Payments & Conversion questions

Questions pawn & bullion dealer merchants ask about approval.
We help plan the conversion, settlement and reconciliation workflow with a service partner. The partner provides the conversion service.
Identify which payments you want to convert, the settlement currency you need and how finance staff will record the transactions. We use those requirements to scope the setup.
Bring your conversion goals, settlement currency and accounting process. Roots uses these details to plan the workflow for bullion & gold dealers and prepare a clear setup scope.
Request a quote for your business and the setup you need. We review the scope and costs with you before you proceed. Consultations and payment reviews are free.

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Book a free 30-minute review. We’ll map your setup, explain the options and work through clear next steps.
Talk to a pawn & bullion dealer payments specialistAll bullion & gold dealers solutions