Chargeback-protected payments and working-capital financing for pawn shops and collateral lenders — one RMO partnership instead of a processor that freezes your account and a bank that won’t return your call.
Pawn shops get squeezed from both sides — processors flag the category as high-risk and freeze funds over disputes, while banks hesitate to extend the working capital you need to lend against inventory. RMO brings chargeback-protected processing, financing, and protection together under a single relationship built for how pawn shops actually run.
From the front counter to the loan book, our solutions cover the full spectrum of pawn shop operations.
Accept every payment type — swipe, tap, chip, online, and mobile — with rates starting at 1%. Built-in chargeback protection, fraud monitoring, and PCI DSS compliance keep disputed transactions from draining your account, with same-day funding through the RMO Payments Network.
A revolving business line of credit from RMO Financial to fund your loan float and inventory. Keep cash on hand to lend against pledged items during peak demand, and draw only what you need.
Finance the gear your shop runs on — high-security safes, display cases, POS terminals, security and camera systems, and jewelry and electronics testing equipment — with terms structured around your cash flow.
Let retail buyers split the cost of jewelry, electronics, instruments, and other resale inventory into scheduled payments — while your shop is paid upfront. A simple way to move higher-ticket forfeited items and lift average sale value.
Your inventory is your collateral. Protect high-value pledged and resale stock — jewelry, watches, electronics, tools, and instruments — along with your storefront, safe contents, and business income against theft, fire, and loss.
Real-time fraud monitoring and chargeback defense purpose-built for cash-and-collateral businesses. Spot stolen-card and friendly-fraud attempts at the counter and online before they turn into a dispute you have to fight.
Built-in chargeback protection and fraud monitoring on every account, so a disputed sale doesn’t freeze your funds or eat your margin.
Competitive processing rates that keep more of every sale in your shop instead of going to a high-risk processor surcharge.
Lines of credit, equipment financing, and term loans keep cash free for your loan float so you never turn away a good pledge.
Payments, financing, and insurance under a single relationship with a dedicated rep — not five vendors and a support queue.
Pawn shop partnerships run through RMO M.A.P.S — a clear path from inquiry to a working solution.
Submit an information request through RMO M.A.P.S and tell us about your shop and volume.
A M.A.P.S rep reviews your processing, capital needs, and inventory to scope the right mix of services.
We assemble a tailored package of payments, financing, and protection with clear pricing.
Onboard with hands-on support — POS setup, account approval, financing lines, and policy binding.
Pawn shop partnerships go through RMO M.A.P.S (Mergers, Acquisitions, Partnerships & Services). Submit an information request at /maps/request-more-information/ and select Pawn Shops. A MAPS rep follows up within one business day to scope the right mix of payments, financing, and protection.
Yes. Pawn shops are frequently labeled high-risk and dropped by mainstream processors. RMO underwrites the category directly, with built-in chargeback protection, fraud monitoring, and a dedicated rep instead of a frozen account and a support queue.
RMO merchant processing rates start at 1%, with same-day funding on settled card transactions, in-store and online acceptance, and real-time reporting through the RMO Payments Network. Final pricing depends on your volume and transaction mix.
Yes. Through RMO Financial you can access a business line of credit for loan float and inventory, equipment financing for safes, POS, and testing gear, and term loans for expansion — so your cash stays free for lending against pledged items.
No. You can start with a single service — chargeback-protected merchant processing, a financing line, or an insurance policy — and add more over time. Your MAPS rep builds a package around what your shop actually needs.
From single-location shops to multi-store operators, our team builds customized packages that protect your revenue and keep capital flowing.
