Best Merchant Accounts for Jewelers

What to Know Before Getting Started

As a jeweler, you help your customers commemorate some of the biggest moments of their lives. But you might be in for a bit of a moment yourself the next time you look at your credit card processing statements. For high-average-ticket, low-volume businesses like jewelry stores, merchant account fees can pile up unexpectedly. You could be hit hard by high per-transaction fees that take large cuts of your jewelry sales, but you might also find that your fixed monthly costs are draining your bank account during slower months. In order to really benefit from the services that credit card processors offer—services that include online payment gateways, payment plan billing, and in-store payment systems—you’ll need to find a provider that can dial in a competitive per-transaction rate as well as affordable monthly fees.

To help you in your search, we’ve put together the following list of the best merchant accounts for jewelers. The companies on this list offer point-of-sale systems, online billing, marketing tools, and other useful services for operating your jewelry store. They are also known to provide low-commitment contracts with transparent pricing and quality customer service. To find the right provider for your jewelry store, be sure to research each processor’s products and features and compare pricing and terms.

Note: This list contains providers that specialize in serving physical jewelry retail locations. The companies on this list may not be recommended for online jewelry sales at this time. If you are looking for an online jewelry merchant account, see our list of the best merchant accounts for online jewelers.

Our unbiased articles are supported in part by helping you find highly reviewed merchant accounts. You can learn more here.

Why These Merchant Account Providers

Fattmerchant

Active since early 2014, Fattmerchant is a merchant account provider leading the industry’s move toward flat-rate, subscription-style pricing. The company’s products and services include EMV-compatible countertop terminals, a virtual terminal, an online payment gateway, an online shopping cart, mobile phone processing, QuickBooks integration, online invoicing, and recurring billing. Fattmerchant is capable of serving all standard-risk jewelers and offers a comprehensive dashboard for tracking all payments and customers.

Fattmerchant offers multiple pricing plans with different rates. Merchants can select either a plan that charges a flat fee on all transactions or a plan that charges a fixed monthly fee plus a fixed per-transaction dollar amount above interchange. In other words, merchants can choose whether or not they are charged a percentage markup on each transaction. Fattmerchant currently has an “A” rating on CPO and an “A+” rating with the Better Business Bureau.

For more information, visit the Fattmerchant website, or call (866) 397-9826.

Host Merchant Services

Host Merchant Services is a Newark, Delaware-based merchant account provider that is well-suited for jewelers of all sizes. The company’s products and services include point-of-sale equipment, online marketing tools, an online payment gateway and virtual terminal, mobile credit card processing, and merchant cash advance. Host Merchant Services specializes in e-commerce businesses and provides a free website and email address to interested new merchants. Host is an affordable option for jewelers who would like to accept payments online and in person.

Host Merchant Services has received only positive feedback on public forums, with most reviewers singling out the company’s customer service for praise. Host offers interchange-plus pricing with no early termination fees to all of its merchants, meaning that users will enjoy the most transparent pricing model and can cancel service without penalty. The BBB gives Host an “A+” rating, and CPO also gives the company an “A+.”

For more information, visit the Host Merchant Services website or call (888) 727-4538.

CDG Commerce

Located in Chesapeake, Virginia, CDG Commerce is another great option for all jewelry stores. CDG has been privately owned since 1998 and offers point-of-sale equipment, a proprietary payment gateway (as well as a discount on Authorize.Net’s payment gateway), a virtual terminal, QuickBooks integration, mobile phone processing, sales reporting, security breach protection, and vulnerability scanning. CDG Commerce is ideal for jewelry stores that would like a simple, secure, fully integrated method for accepting in-person and online payments.

CDG Commerce only charges a low, fixed fee per transaction and offers competitive contractual terms, including no annual fees, monthly minimums, or termination fees. CDG also offers next day funding to most business types. CDG has earned an “A+” rating in our review as well as an “A+” rating with the BBB.

For more information, see the CDG Commerce website or call (888) 393-1079.

Our unbiased articles are supported in part by helping you find highly reviewed merchant accounts. You can learn more here.

Why These Merchant Account Providers

Other Merchant Account Options

The providers below may not have been researched as thoroughly or may lack a quality that prevented them from being listed above. We have listed them to provide a broader view of potential merchant account options. Are you a decision maker with your company and want to be listed on this page? Tell us here.


Transparent Merchant Services

Transparent Merchant Services is a Scottsdale, Arizona-based merchant account provider that offers a unique, membership-style pricing model. Rather than charging a percentage of each transaction, Transparent charges a small, flat fee above interchange on all transactions in addition to a fixed monthly membership fee. This makes Transparent remarkably affordable for jewelry stores that process a low number of large-ticket transactions. It also keeps the company’s pricing predictable and transparent from month to month. Because of its pricing model, Transparent Merchant Services has the potential to be the cheapest option available for some jewelry retailers.

Transparent has received exclusively positive public feedback since it opened in 2008 and offers month-to-month agreements with no early termination fees. Transparent provides its merchants with live phone support during business hours as well as chat support and email support. Our review of Transparent gives the company an “A” rating, while the BBB gives Transparent an “A+” rating.

For more information, see the Transparent website or call (888) 510-2937.

Payline Data

Headquartered in Chicago, Illinois, Payline Data has consistently rated as one of the best merchant account providers on CPO since we first reviewed the company. Payline is capable of serving jewelry stores of all sizes and specialties. The company offers traditional retail credit card terminals, mobile phone credit card processing (via Flint), an online payment gateway and virtual terminal, online invoicing, QuickBooks integration, and API integration for websites. Payline Data is a great all-purpose option for any jewelry retailer, from small, family-owned businesses to national chains.

In addition to its wide array of services, Payline Data offers interchange-plus pricing with month-to-month contracts and no early termination fees. As a result, the company enjoys a large number of positive testimonials from its clients on this website and in other consumer protection forums. The Better Business Bureau currently assigns Payline Data an “A+” rating, and CPO also gives Payline an “A+.”

Dharma Merchant Services

Based in San Francisco, California, Dharma Merchant Services is a highly rated merchant account provider that places a corporate emphasis on social consciousness and community outreach. The company’s products and services include countertop terminals, a tablet-based point-of-sale system (via a partnership with ShopKeep), mobile device payment processing, an online payment gateway (Authorize.Net), QuickBooks integration, small business financing, and custom fundraising pages for non-profits. The company also extends special pricing to non-profit organizations and donates a percentage of its profits to non-profits of its choosing every year. Dharma is best suited to provide savings for jewelry stores that process over $10,000 per month in credit card sales.

Dharma scores highly in our review and elsewhere due to its positively reviewed customer service, transparent marketing practices, competitive interchange-plus rates, and fair service agreements. The BBB currently assigns a rating of “A+” for Dharma Merchant Services, while CardPaymentOptions.com also gives the company an “A+.”

For more information, see the Dharma Merchant Services website or call (888) 404-1237.


If your business offers merchant services for jewelers, please leave a comment in the comment section below or contact us through our contact page in order to get listed in this article.

Thank you for reading my review. I hope that it has helped you with your research.

My Qualifications

I'm a former credit card processing sales director who left the industry to start my own a small business. From the time that I starting working in the merchant services industry to when I left to write about it, I've been on the pulse of payments for nearly 15 years. It didn't seem fair to keep this insider knowledge to myself, so decided to build this website to help you research which providers to use and how to save money on rates and fees. I've reviewed hundreds of companies, read thousands of user reviews, and learned the pricing tricks of every provider. If you have questions about credit card processing, you can find the answers here. Simply scroll to the top of the page to find the search bar. You can also message me if you need any guidance.

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