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Pawn Shops
DeposytPawn Shops
Payments built for pawn shops.
A pawn shop is a lender and a retailer at the same time. Deposyt handles the loan payments, the counter sales, and the layaway on one account, with funding as soon as the next business day.
The hard part is already handled.
350+ Five Star Reviews on Google
✓Loan payments
✓Counter sales
✓Layaway
✓Next-day funding
Why pawn needs a specialist
Why pawn shops need a specialist processor.
Lending plus second-hand retail is two risk profiles in one store.
Category
Coded high risk
Lending activity flags the account on day one.
Loan payments
Recurring interest
Customers pay down loans over weeks and months.
Retail
Second-hand goods
Resale carries its own dispute profile.
Layaway
Staged payments
Customers pay across visits before pickup.
Cash mix
Cash and card
Both have to reconcile at the end of the day.
Margins
Fees on thin margin
Processing cost matters on resale margin.
Who we serve
The kinds of pawn businesses we work with.
Lending, buying, and reselling, all on one account.
Pawn
Traditional pawn
Collateral loans and redemptions.
Gold
Gold and jewelry
Buying and reselling precious metals.
Electronics
Electronics resale
Phones, laptops, and consoles.
Tools
Tools and equipment
Trade tools bought and resold.
Music
Musical instruments
High-value instrument resale.
Firearms
FFL pawn
Licensed firearms alongside pawn.
Title
Title lending
Vehicle-backed lending where permitted.
Online
Online resale
Marketplace and ecommerce listings.
Buy sell
Buy, sell, trade
General second-hand retail.
Do not see your model here? If you lend or resell, we support it. Call us.
What to watch for
What pawn shops watch for.
These are the places pawn revenue leaks or accounts get closed.
Shutdowns
Policy bans
Many processors ban lending outright.
Loan payments
Missed instalments
Loan payments without card-on-file get missed.
Disputes
Resale claims
Condition and receipts decide these cases.
Layaway
Untracked balances
Payments across visits need a clean record.
Reserves
Held funds
High-risk accounts get held revenue.
Reconciliation
Cash and card
Two tenders, one till, and no clean report.
How we help
How we keep your store running.
Underwriting that expects lending, plus the tools for the counter.
Underwriting
Approved as pawn
Lending and resale underwritten together, up front.
Loan payments
Card on file
Recurring loan payments with retries on failures.
In person
Terminals and POS
Counter checkout for sales and payments.
Layaway
Staged payments
Track deposits and balances to the pickup.
Keep more
Dual pricing
Card and cash pricing so processing cost is covered.
Real support
People who answer
A team that understands the category.
Getting started
What you need to start.
Getting your payments onto Deposyt is simple. Here is what helps you get going.
The basics
Business and ID
Your formation documents, EIN, and owner identification.
Your product
How you charge
Your loan terms, retail mix, and layaway rules, so we set it up right.
History
Processing statements
Recent statements help us beat your current pricing. A new pawn shop is welcome too.
Stack
Your tools
The cart, billing, or stack you use now, so we connect cleanly.
Switching is simple. We underwrite the lending and keep the counter running.
What you get
Everything a pawn shop needs to get paid.
Keeping your account is the start. You also get the tools and pricing that keep more of every payment.
Recurring
Recurring Billing
Subscriptions and card-on-file with automatic retries on failed renewals.
Dual pricingOffset Your Fees
Show a card price and a cash price so processing cost is covered on every charge.
GatewayDeposyt Gateway
One secure hub for checkout, API, and reporting across every sale.
IntegrationsIntegrations
Connect the cart, app, and tools your business already runs on.
FundingNext-Day Funding
Your sales today, in your account as soon as the next business day.
OnlineOnline Payments
Checkout pages, links, and invoices for everything else you collect.
Zero-fee option
Offset your fees on every charge.
Dual pricing shows a card price and a cash price, calculated by our software, so processing cost is covered on every sale.
See Dual PricingQuestions, answered
Questions, answered simply.
The things business owners actually ask. If yours is not here, a real person is a phone call away.
Do you approve pawn shops?
Yes. Lending and second-hand retail are underwritten together, with terms stated up front.
Can customers pay loans by card?
Yes. Card-on-file loan payments with automatic retries on failures.
Can I run layaway?
Yes. Staged payments tracked against the pickup.
Do you provide terminals?
Yes. Counter terminals and POS on the same account.
Can I use dual pricing?
Yes. Card and cash pricing so processing cost is covered on thin margins.
How fast do I get funded?
Approved charges can be funded as soon as the next business day.
Verified Google reviews
Merchants don't just switch. They tell people.
Verified Google reviews, powered by Trustindex.