IndustriesWire vs. ACH vs. Card for Big Diamond Purchases
Learn when to accept wire transfer for jewelry purchase deals, how to offer a legal bank-payment discount, and how to stop fake wires and ACH reversals.
MannyPay Editorial TeamRetail
Jewelry & Diamonds Payment Guides
Payment processing guides for jewelry & diamonds: costs, hardware, fraud, compliance and growth, from the MannyPay editorial team.
Industries
IndustriesSelling Gold Bullion and Coins on Credit Cards: Rules and Margins
Accepting credit cards for gold bullion can erase thin premiums. Learn pricing tiers, spot-price locks, fraud controls, and how to get processor approval.
MannyPay Editorial Team
Business GrowthRetail Store Opening and Closing Checklist (Free Template)
Use this retail store opening and closing checklist to standardize cash counts, POS batching, security and floor prep, with clear manager sign-off steps.
MannyPay Editorial Team
ComparisonsBNPL vs. Layaway: Which Payment Plan Sells More for Your Store?
BNPL vs. layaway compared for retailers: who carries credit risk, what each costs, when you get paid, and how each affects inventory and returns.
MannyPay Editorial Team
Fraud & Security3-D Secure 2 Explained: Fewer Fraud Chargebacks, Less Friction
Learn how 3D Secure 2 works, when the liability shift applies, and how to trigger it selectively to cut fraud chargebacks with less checkout friction.
MannyPay Editorial Team
Business GrowthHow to Earn Standard Processing Terms and Shrink Your Reserve
Learn how to reduce merchant account reserve holdbacks with a 6- to 12-month plan, plus the metrics and documents processors want to see.
MannyPay Editorial Team
IndustriesEngagement Ring Financing: Setting up a Program for Your Store
Set up a jewelry store financing program that closes more engagement ring sales. Compare private-label credit, lease-to-own, BNPL and merchant fees.
MannyPay Editorial Team
IndustriesOnline Jewelry Fraud: Stopping Stolen Cards on Diamonds and Watches
Learn online jewelry store fraud prevention: spot reshippers and rush orders, use 3D Secure and AVS, and review high-value pieces before you ship.
MannyPay Editorial Team
IndustriesCustom Engagement Ring Deposits: Payment Terms That Protect You
Build a custom jewelry deposit policy tied to CAD approval, stone purchase and casting so you're paid before metal is poured or a stone is set.
MannyPay Editorial Team
IndustriesBuying Gold From the Public: Payout Methods and Dealer Laws
Learn the buying gold from customers laws jewelers face, including licensing, ID, hold periods and reporting, and how to pay sellers by cash, check or payout.
MannyPay Editorial Team
Processing BasicsBuy Now, Pay Later for Merchants: Costs, Providers, and Fit
Buy now pay later for merchants explained: how BNPL merchant fees compare to cards, how Affirm, Klarna, Afterpay and PayPal differ, and when it pays off.
MannyPay Editorial Team
IndustriesWhy Your Processor Blocked a $25,000 Engagement Ring Sale
Hit a credit card transaction limit at your jewelry store? Learn why big sales get held or declined and how pre-clearing them lowers the risk of a hold.
MannyPay Editorial Team
NewsVisa's New Installment Interchange Rates: October 2026 Explained
Visa installment credential interchange rates arrive with Visa's October 2026 update. See the new categories, who sees them and how to catch hidden markups.
MannyPay Editorial Team
IndustriesSplitting an Engagement Ring Across Multiple Cards: How to Do It Right
Learn how to handle a split payment on multiple credit cards for jewelry sales: ring it up as one sale, spot fraud and document it to win disputes.
MannyPay Editorial Team
ProductsHow to Choose a Retail POS System: A Guide for Independent Stores
Choose the right retail POS system for your independent store: inventory and variants, barcode hardware, returns, online sync, and the quote terms to check.
MannyPay Editorial Team
Business GrowthMerchant Underwriting Checklist: Documents to Have Ready
Learn the merchant account underwriting requirements for medium-risk businesses and which documents to prepare so your file doesn't stall in review.
MannyPay Editorial Team
Business GrowthMedium Risk Merchant Accounts: Why Your Business Lands in the Middle Tier
Assigned a medium risk merchant account? Learn why underwriters put you there, what reserves and limits mean, and which risk factors you can change.
MannyPay Editorial Team
IndustriesJewelry Store Scams: Switch Fraud, Fake Checks, and Card Tricks
Learn how jewelry store scams work at the counter, from diamond switches to fake cashier's checks and forced keyed entries, plus a staff checklist.
MannyPay Editorial Team
IndustriesJewelry Store Merchant Accounts: Improve Approval Odds and Limit Reserves
Getting a jewelry store merchant account? Learn why underwriters flag jewelers, what to prepare, and how to negotiate or shrink a reserve.
MannyPay Editorial Team
IndustriesJewelry Store Credit Card Processing Fees: What Drives Big-Ticket Costs
Learn how your merchant category code, rewards cards and pricing models drive jewelry store credit card processing fees, and what to negotiate on big sales.
MannyPay Editorial Team
IndustriesJewelry Chargebacks: Winning Engagement Ring and Diamond Disputes
Learn why jewelry store chargebacks happen, from breakup refunds to diamond grading claims, and the evidence that helps you win each dispute.
MannyPay Editorial Team
IndustriesEngagement Ring Return Policies: Refunds, Restocking, and Resizing
Write a jewelry store return policy for engagement rings that covers return windows, restocking fees and custom pieces, and holds up in a dispute.
MannyPay Editorial Team
IndustriesCan Jewelry Stores Charge a Credit Card Fee on Diamonds?
Can jewelry stores charge credit card fees on diamonds and engagement rings? Learn surcharge rules, cash discount options, debit limits and dispute risks.
MannyPay Editorial Team
IndustriesBest POS for Jewelry Stores: Repairs, Memo, and Serialized Stock
Find the best POS system for jewelry store operations with a checklist covering serialized stock, repair tickets, memo goods, gold buys and appraisals.
MannyPay Editorial Team