Lower processing costs for pawn shops with a compliant cash discount

Higher-risk pricing hits pawn shops hard at the counter. A cash discount program posts the card price as the regular price and gives customers paying cash a discount, which is structured differently from a surcharge. Roots sets up signage, receipts, and POS settings to match card-brand and state rules.
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Free 30-minute consultation. Review your setup, compare options and leave with clear next steps.

Payment solutions for pawn shops

How each solution supports pawn shops

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

High-Risk Merchant Account

For pawn shops: Present your model for resale goods, precious metals and permitted charges to specialist processing partners, with product and fulfillment documentation prepared. Roots Payments places pawn shops with acquiring banks and processors that knowingly underwrite retail resale and pawn loan payments, 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 (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 shops: 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. Consumer POS brands frequently restrict retail resale and pawn loan payments. Roots POS pairs checkout and inventory tools with processing that is underwritten for your category.
  • 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 shops: Design a clearly presented cash-price program for resale goods, precious metals and permitted charges, with checkout wording and receipts aligned. Higher-risk pricing hits pawn shops hard at the counter. A cash discount program posts the card price as the regular price and gives customers paying cash a discount, which is structured differently from a surcharge. Roots sets up signage, receipts, and POS settings to match card-brand and state rules.
  • Review of state rules for your locations
  • Signage and receipt setup
  • Staff scripts for customer questions

E-commerce Payments

For pawn shops: 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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ACH Payments

For pawn shops: Offer bank-account payments for resale goods, precious metals and permitted charges, with authorization and invoice matching built into the workflow. Bank payments give pawn shops 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

$750.00 · ref ACH-7731

Text to Pay

For pawn shops: Send a payment request for resale goods, precious metals and permitted charges by text so customers can pay against a specific order or invoice. Keying card numbers from phone calls is costly and dispute-prone for pawn shops. Text-to-pay sends a secure link so the customer enters their own card, with 3-D Secure and a stored consent record.
  • 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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Credit Card Surcharging

For pawn shops: 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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Chargeback Management

For pawn shops: 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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Cash Discount Program questions

Questions pawn & bullion dealer merchants ask about approval.
A cash-discount program offers a lower price to customers who pay with cash. Roots helps plan your posted prices, checkout configuration, signage and receipts.
Yes. We review your statement and payment mix to show how the program would affect your business. Request a quote for your cash-discount setup.
Bring your processing statement, payment mix, posted prices and checkout equipment. Roots uses these details to plan the workflow for pawn shops 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 pawn shops solutions