Accept crypto at your pawn shop
Customers search for a pawn shop that accepts crypto. We set yours up so you can say yes, and you get paid in US dollars.
Get startedWe never touch your funds. Money goes straight from the processor to your bank.What you get
Flexa's 1% flat fee for everyday tickets on an iPhone or iPad
BitPay for big-ticket items like fine jewelry and watches
Staff training on refunds and scam red flags
How it works for pawn shops
Customers search for a pawn shop that accepts crypto. We set yours up so you can say yes, and you get paid in US dollars. Your rates and fees are set by the processor, and we will walk you through every step, from the application to your first live sale and staff training.
Pawn shops sell across a wide price range, from tools and electronics to fine jewelry. That's why we route by average ticket. Everyday sales under $5,000 usually fit Flexa, which charges a 1% flat fee with no setup or conversion fees and runs on an iPhone or iPad (Flexa). Larger tickets fit BitPay at 2% + $0.25, with next-business-day USD settlement (BitPay pricing).
Staff training matters in a busy shop. Our training covers confirming a payment before handing over goods, what to do if a customer underpays, and scam red flags: pressure to rush, requests to "send change back in crypto," and overpay-and-refund requests. Refunds go through the processor dashboard and are handled by an owner or manager only.
BitPay requires an active website that shows what you sell, with prices, terms and privacy pages (BitPay compliance). If you don't have one yet, tell us on the intake form. See also jewelers, coin and bullion dealers and our guide.
Which processor you'll use
We route by your average ticket: under $5,000 goes to Flexa (1% flat, iPhone/iPad app) and $5,000 and up goes to BitPay (2% + $0.25, next-business-day USD settlement).
Flexa: everyday tickets
- 1% flat fee, with no setup or conversion fees (Flexa)
- Flexa Point of Sale app on any iPhone or iPad (Flexa docs)
- For small and mid-size tickets, under $5,000
BitPay: big tickets
- 2% + $0.25 per transaction under $500K/month (BitPay pricing)
- US dollars to your bank the next business day, locked exchange rates, and no chargebacks as a BitPay feature (BitPay)
- For tickets of $5,000 and up
Processor fees are set by BitPay and Flexa and can change. Crypto fees are not always lower than card fees, so we compare against your own statement rate. Processors approve or decline merchants, not us.
Steps to go live
- 1. Sign upTell us about your business with our short form.
- 2. Account setupWe help you open your own BitPay or Flexa merchant account and prep the business verification (KYB) documents.
- 3. DeviceWe set up an iPad, phone or countertop terminal with the right checkout app.
- 4. TrainingAbout an hour with your team: taking a payment, refunds and scam red flags.
- 5. Go liveA test transaction, signage up, and a 30-day check-in.
FAQ
Do I need a website to accept crypto?
BitPay requires an active website showing what you sell, with prices, terms and privacy pages. Flexa's onboarding requirements are handled during setup.
How do I avoid crypto scams at the counter?
Never send 'change' in crypto, confirm the payment shows as paid before releasing goods, and route all refunds through the processor dashboard.
How do I find a pawn shop that accepts crypto?
Look for crypto signage or ask the shop. We set up pawn shops to accept crypto through Flexa or BitPay, and include signage so customers know.
Do I have to hold crypto?
No. Payments settle in US dollars, and we never touch your funds.
Will this save me money versus cards?
Not necessarily. Crypto processor fees can be similar to card rates. We compare against your own statement and don't promise savings.