01
Licensing and Reporting Rules
Pawnbrokers work under state and local licensing and police reporting rules that underwriters review.
Pawn shop merchant accounts
Pawn Shop Payments that Fit How You Work.
For licensed pawn shops that need card acceptance for retail sales, loan payments and layaway, plus online sales of jewelry, electronics and tools.
- Loan and layaway payments
- In-store and online sales
- For state-licensed pawnbrokers
- 100+ industries servedLow-risk, high-risk, online and in-store
- Multiple banking partnersMore than one path to approval
- One dedicated specialistFrom application through launch
- Fraud and chargeback toolsBuilt into every account
Why It's Different
Pawn Shops Payments Come with Their Own Rules.
Most processors see the category and say no, or approve you and shut you down later. Here is what an account built for your business has to handle.
02
High-Ticket Jewelry Sales
Gold, diamonds and watches can mean big single tickets that trigger holds on a standard account.
03
Loan Payments by Card Get Scrutiny
Taking card payments on pawn loans and renewals has its own rules, and some processors will not allow it.
04
Fraud on Online Resale
Electronics and jewelry sold online attract stolen-card orders and disputes after shipping.
Who We Serve
Built for Every Kind of Pawn Shops Business.
From first-year operators to multi-location brands, we match each business to processing that fits how it actually runs.
Check My Eligibility- Licensed pawn shops
- Jewelry and gold buyers
- Luxury watch resellers
- Electronics buy-sell stores
- Tool and equipment pawn
- Musical instrument pawn
- Title pawn and auto pawn
- Multi-location pawn chains
What You Get
Everything You Need to Accept, Protect and Run Payments.
One merchant account, configured for pawn shops, with the tools below ready from day one.
Accept
Counter POS for Pawn Shops
Terminals for retail sales, loan payments and layaway at the counter, with high-ticket support.
Payment Links for Renewals
Text a payment link so customers can renew or pay down a loan without coming in.
Protect
Fraud Screening for Online Sales
AVS, CVV and 3D Secure on online jewelry and electronics orders before you ship.
Clear Receipts and Terms
Itemized receipts with layaway and return terms printed on each sale to support disputes.
Operate
Layaway Installment Billing
Track layaway balances by customer and accept installments in store or online.
A Specialist for Pawn
One contact who knows pawn underwriting and helps when you add online sales or locations.
Need a Processor that Understands Pawn?
Tell us how your shop runs. We will show you a setup for retail, loans and layaway.
How it Works
From First Call to First Payment.
- 1
Tell Us How You Sell
Tell us your license, locations, product mix, average ticket and whether you take loan payments by card.
- 2
We Structure the Account
We structure an account for pawn, covering retail, loan payments and layaway as allowed.
- 3
Approval and Setup
Submit your license and documents and get terminals or links set up. A complete file speeds the decision.
- 4
Ongoing Support
Your specialist helps as you grow online sales or open new stores.
Merchant Feedback
What Businesses Value about MannyPay.
Google reviews ★★★★★
★★★★★
“MannyPay made our setup simple from day one — transparent pricing, fast approval, and a team that actually picks up the phone.”
FAQs
Pawn Shops Payment Processing FAQs.
Why are pawn shops considered high risk?
Pawn shops combine high-ticket jewelry sales, loan payments and resale of used goods, under state licensing and reporting rules. Processors review them closely, and eligibility is subject to underwriting.
Can customers pay pawn loans by card?
In many cases, yes, depending on state rules and card-brand guidelines. Tell us how you handle loan payments and renewals, and we will structure the account to fit what is allowed.
Can I sell online too?
Yes. A gateway lets you sell jewelry, electronics and tools through your website or online marketplaces, with fraud screening on each order.
Do you support layaway?
Yes. Track layaway balances and accept installments in store, by payment link or online, with clear terms on every receipt.
What licenses do I need?
You need the pawnbroker licenses your state and city require. Underwriting will ask for them. We do not give legal advice on licensing or reporting rules.
What do I need to apply?
Expect your pawn license, business documents, a voided check, recent processing statements and details on your product mix and average ticket. A complete application helps approval decisions move faster.
Free Quote
Let’s Find the Right Pawn Shops Setup.
Tell us a little about your business and a MannyPay specialist will recommend the right account, hardware, gateway, and pricing — with a response within one business day. No obligation, no pressure.