Flux gives jewelry stores one integration for cards, ACH, and stablecoins, with drop-in hosted fields that keep card data off your servers and a checkout customers actually trust.
Why jewelry stores choose Flux
Same-day and next-day settlement
Card payments settle in one to two business days, so cash is not stuck for a week while you restock.
Hosted fields, less PCI to worry about
Card data is captured in origin-isolated iframes on payments.fluxpayments.com, so it never touches your store.
Volume discounts as you scale
Higher-volume jewelry stores can move to custom interchange-plus pricing as monthly volume grows.
How jewelry stores get paid
Most jewelry stores lead with cards for speed at checkout, add ACH for larger or recurring orders, and can accept stablecoins for customers who prefer it. All three run through one Flux integration.
A typical Flux setup for jewelry stores
Jewelry runs on a small number of large, considered transactions. A typical flow is a card deposit to start a custom piece or hold a stone, then the balance by ACH or card at pickup. ACH suits five-figure balances and settles in 1-3 business days; cards settle in 1-2. Stablecoin settlement on Solana or Ripple (XRP Ledger) is instant to your wallet and final, which matters when a piece leaves the store the same day it is paid for.
Engagement seasons and holidays concentrate the year into a few peak months, but with no monthly fees on qualifying card volume or minimums the quiet stretches cost nothing beyond what you process. Repairs, appraisals, and cleanings are small card-present tickets that keep the terminal busy year-round and regulars walking in. QuickBooks sync keeps deposits on custom work separated from completed sales, which your accountant will appreciate at year end, and 1-2 day card settlement keeps large sales from sitting in limbo.
What jewelry stores should watch
A stolen card buys jewelry for the same reason it buys electronics: dense value and easy resale. Chip and tap sales at the counter carry appropriate liability treatment, but be careful with large keyed phone orders from unknown buyers, which carry full card-not-present risk on an item you cannot recover. For custom work, a signed order with the design, the price, and the non-refundable portion of the deposit is your protection if the buyer walks away mid-build.
Refund disputes in jewelry are rarely about the money and usually about expectations: the stone photographed differently, the ring needed resizing, the piece took longer than promised. Put specifications in writing, photograph finished pieces before pickup, and have customers sign at collection. When a refund is warranted, process it promptly through the original payment, because a slow refund on a large ticket generates exactly the dispute you most want to avoid.
Simple, transparent pricing
Flux charges a flat 2.9% plus 30 cents per transaction, with volume discounts for higher-volume jewelry stores and the option to pass the fee to the customer at checkout where local surcharging rules allow. No setup fees and no contracts. Accounts processing under $100,000 a year in card volume may be subject to a $20 monthly account fee.
Frequently asked questions
How do jewelry stores accept payments with Flux?
Jewelry Stores accept credit and debit cards, ACH bank transfers, and stablecoins through one Flux integration, with drop-in hosted fields that keep card data off your own systems.
What does Flux charge jewelry stores?
A flat 2.9% plus 30 cents per transaction, with volume discounts for higher-volume merchants and no setup fees or contracts. Accounts processing under $100,000 a year in card volume may be subject to a $20 monthly account fee. You can also pass the processing fee to the customer at checkout where local surcharging rules allow.
How fast do jewelry stores get their money?
Card payments settle in one to two business days and ACH in one to three business days. Stablecoin payments go to your wallet instantly.
Can a customer pay for an engagement ring by ACH?
Yes, and many stores prefer it for five-figure pieces. ACH settles in 1-3 business days, and some jewelers release the piece after settlement rather than at payment, which is a policy worth stating up front.
How should deposits on custom pieces be structured?
Take the deposit by card against a signed order that states the design, the total price, and which portion of the deposit is non-refundable. That document is what protects you if the buyer abandons the commission.
Why would a jeweler accept stablecoins?
Settlement on Solana or Ripple (XRP Ledger) is instant to your merchant wallet and final, with no card network dispute path. For a large piece walking out the door the same day, that finality is the appeal.
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