Industry guide · Underwriting Requirements

Jewelry and precious metals merchant account requirements

Underwriting is not looking for a reason to say no. It is looking for enough evidence to say yes, and most delays are a missing document rather than a decision.

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25+ YEARS

of payment processing
experience

25+ YEARS

of payment processing
experience

Underwriting Requirements · Jewelry & Precious Metals

One organized file. Fewer surprises.

A complete, accurate file saves back-and-forth and helps partners make informed decisions.

01Verify the business and principals
02Collect industry-specific documents
03Present the complete transaction story

What we review

Practical details. Real context.

Owner identification and verifiable business details.
Bank and processing statements where available.
Products, delivery, refund and dispute policies.
Additional industry and licensing records as required.

We translate your business model into a clear application, anticipated risk review, required licenses, customer journey, financial records and fulfillment evidence.

Jewelry & Precious Metals workflow

Know the transaction before the rate.

01Confirm buyer
02Verify item
03Take payment
04Ship or hand over

Documentation checklist

Build a complete submission.

Product catalog and valuation
Shipping / insurance policies
Order and fulfillment records
Financial and prior processing history

AltirasPay prepares and supports the file. The acquiring bank decides approval, pricing and terms.

Meet Pyper

Need help with the details?

Pyper can explain the steps, prepare questions for an expert and help you understand what comes next.

Ask Pyper

How the money reaches you

Underwriting is reading a description of this path. The clearer it is, the less there is to ask about.

CUSTOMERFRAUD DECISIONCHECKOUTPAYMENT GATEWAYACQUIRING PARTNERINSURED FULFILLMENT

Running alongside: AVS / CVV · 3-D SECURE · DEVICE INTELLIGENCE · MANUAL REVIEW · ACH / WIRE · AML RECORDS.

What gets built for jewelry, diamonds & precious metals

High-Ticket Fraud Controls

Layer the controls appropriate to an order that will not be recoverable.

Bullion Payment Strategy

Do not automatically run high-value thin-margin bullion purchases through expensive card rails. Provide appropriate card, ACH and wire choices based on the merchant's approved processing environment.

Jewelry Checkout

Offer a higher-touch workflow for unusually large purchases, where a short human step costs less than the loss it prevents.

Delivery Evidence

Connect the record that answers a dispute on goods that are gone.

AML Documentation

Where legally applicable, support the merchant's document and audit workflow rather than leaving it disconnected from operations.

Tell Us Your Product Mix and Your Largest Order.

Bullion and fabricated jewelry rarely belong on the same rail, and the split is where the structure starts.

The exact document list depends on the business rather than the industry, so we resolve it against what you tell us instead of sending everyone the same checklist. Pyper can give you yours in about a minute.

Applying commits you to nothing and is not an approval. The acquiring bank decides placement, pricing and terms — we build the file and tell you honestly what it is likely to meet.