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Nothing punctuates a special occasion quite like the gift of jewelry. But you don’t have to wait for a birthday or holiday to surprise a loved one with something sparkly they'll cherish for years to come. Even if your favorite jewelry store hasn’t gotten on board with direct crypto payments, you’ll find a wide selection of options for buying your next watch, engagement ring or necklace with Bitcoin or many other cryptocurrencies. BitPay provides a variety of ways to pay for jewelry with crypto - direct from your wallet with merchants, via crypto-funded gift cards, with the BitPay Card, and with BitPay's Bill Pay solution.

Jewelry is a popular (and pricey) gift category, so it makes sense that a variety of merchants cater to the crypto-consumer set by accepting crypto payments. Maybe you’re looking for something special for a friend or loved one, or perhaps you’ve had your eye on a flashy new watch to get for yourself. Whatever the reason, and whoever it’s for, you can find exactly what you’re looking for through BitPay partner merchants and pay for it with crypto.

How to buy jewelry with crypto

Today there are many choices for buying jewelry with Bitcoin and other top cryptocurrencies. Sellers have caught on that crypto users enjoy having the option to pay for big-ticket items like jewelry or watches with their holdings, and many retailers have made accommodations to encourage their business.

The four primary methods of spending crypto on jewelry include:

  • Pay for jewelry directly from your wallet
  • Use the BitPay Card
  • BitPay Bill Pay
  • Buy jeweler gift cards with crypto

Pay for jewelry directly from your crypto wallet

With BitPay, it’s safe and easy to make your next jewelry purchase straight from your crypto wallet. Once you’ve chosen your preferred jewelry merchant, the process is seamless, taking only a few steps.

Step 1: From your jeweler of choice, select BitPay as your payment method at checkout.

BitPay is the safest and most secure way to pay online.

Step 2: Select Begin Payment.

Some retailers may prompt you to verify your BitPay ID before completing your transaction. If you haven’t already, sign up to get started. Your BitPay ID is a convenient way to manage your payments information with BitPay and simplify logins for multiple BitPay products. All you need is an email address and password, but additional one-time verification requirements kick in for purchases over $3,000, refund requests exceeding $1,000, or receiving BitPay payouts.

Step 3: Select your wallet.

BitPay supports more than 100 of the most popular crypto wallets.

Step 4: Select your cryptocurrency.

Using BitPay, users have the option of spending more than a dozen of the most popular cryptocurrencies and stablecoins on jewelry, with new options being regularly added and evaluated.

Step 5: Scan the QR code with your wallet app, or enter the merchant’s receiving wallet info manually into your wallet to complete the transaction.

You'll see the payment reflected on the invoice instantly once you validate the payment in your wallet. Remember to send your payment during the 15-minute payment window.

Jewelry stores that accept direct crypto payments

When you’re looking for jewelers that allow you to pay with crypto, you’ll find a wide range of options from discount retailers to ultra high-end brands. So many choices means you’ll have no problem finding a jeweler whose offerings are in line with your budget and tastes in our Merchant Directory if you search for jewelers that accept Bitcoin.


Swiss purveyor of luxury watches offering bold styles and classic designs.

Ace Jewelers

The Ace Jewelers Group consists of a physical Jewelry boutique and an international eBoutique, owned and operated by the Ben Joseph family.


Popular online retailer of luxury watches from top brands including Rolex, Patek Philippe and many more.


Offering a variety of luxury watches and jewelry from brands like Tiffany & Co., Cartier, and more.


A digitally native brand featuring an exclusive lineup of hand-crafted engagement rings and other diamond jewelry.

Stephen Silver

One of the top jewelry houses, Stephen Silver Fine Jewelry creates unique designs and curates timepieces from leading independent brands including MB&F, Bovet, Richard Mille and more.

Maison Birks

Discover Maison Birks' collection of luxury, watches and accessories. Maison Birks offers you a choice as unique and meaningful as each of life’s occasions.

Paying off jewelry bills with crypto

Jewelry is expensive, so any extra fees you get hit with based on a percentage of the purchase price can really add up. To avoid paying interest on your purchase, it’s always a wise financial move to pay off your credit card balance in full before it starts to accrue.

If you use a credit card to make a jewelry purchase, you can pay it off with crypto using BitPay Bill Pay. You’ll still get all of the cash-back, travel or dining rewards from your credit card, but you won’t get walloped with exchange fees or foreign transaction fees. All you have to do is connect your credit card issuer through the BitPay app and you can pay off your jewelry bills securely and inexpensively.

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Buying jewelry with crypto-funded gift cards

Gift cards are a painless gift option when you aren’t 100% sure what to get somebody. But even when you know exactly what you want, you can buy gift cards with crypto and then use the gift cards on your jewelry purchase. It’s a fast and easy workaround to spend crypto at jewelry sellers who don’t accept direct crypto payments. Explore all the gift cards you can buy with crypto via BitPay.

Use the BitPay Card to buy jewelry

The BitPay Card makes buying jewelry with crypto as easy as it gets, and getting your hands on one couldn’t be easier.

BitPay’s prepaid Mastercard allows crypto users to spend their holdings as easily as cash anywhere in the world Mastercard is accepted. It instantly converts your crypto into dollars with zero fees, freeing you to spend crypto how you want, where you want.

To get a BitPay Card of your own, your first step is to download the BitPay app from your preferred app store. Approval takes just minutes, with no impact on your credit score. Once approved, you’re ready to start spending top currencies including Bitcoin (BTC), Ethereum (ETH), Bitcoin Cash (BCH), Dogecoin (DOGE), Shiba Inu Coin (SHIB), Litecoin (LTC), XRP (XRP), ApeCoin (APE), Dai (DAI), Binance USD (BUSD), USD Coin (USDC), Wrapped Bitcoin (WBTC), Pax Dollar (USDP), Gemini Dollar (GUSD), Euro Coin (EUROC). Load the card with funds, either from the BitPay Wallet or a Coinbase account.

Users instantly receive a virtual BitPay card that can be used at millions of merchants around the world, and can easily request a free physical card to be delivered right to your door. The BitPay Card is one of the easiest, safest ways to convert your crypto to cash. It also comes packed with security and convenience features, including instant reloads, EMV chip-and-PIN security, Google Pay and Apple Pay compatibility, and even cash withdrawals at compatible ATMs all over the globe.

We've temporarily paused new BitPay Card applications while we improve the crypto debit card program. Join our waitlist to get updates.

Benefits of buying jewelry with crypto

When buying jewelry with crypto, you’ll pay less in fees than when you use a credit card. Carrying a balance can lead to interest accumulating month after month, which can cost you a lot more than the gift in the long-run. 

Crypto payments are as safe and secure as any other payment method, including credit cards. To give yourself a little extra peace of mind, be sure to do your homework about the merchant you’re buying from to make sure it’s a legitimate business. If you want to be even more certain, we recommend buying only from jewelers using BitPay as their payments processor.

The high flexibility of crypto payments gives you the freedom to use practically any crypto wallet and pay with your favorite crypto. Payments made across borders are also cheaper and easier when using crypto compared to bank wires or paying by credit card. If you’re buying from a retailer outside the country, expect to pay between 1-3% in foreign transaction fees. Wire transfer fees can run another $15-$50 on top of that. Instead of eating these fees, kick them to the curb by paying with crypto.

FAQs about buying jewelry with crypto 

In case you still have questions about buying jewelry with Bitcoin, this section will help point you in the right direction.

Which wallets can I use to buy jewelry with crypto?

BitPay supports practically any wallet - 100+ and counting! Customers paying with crypto can import their preferred wallet into the BitPay app, offering a secure and smart way to manage all of your assets in one place. Alternatively, customers may also make payments directly from their preferred wallet. This includes web-based wallets, mobile wallets, and desktop wallets.

Which cryptocurrencies can I use?

Not all jewelry merchants accept the same cryptocurrencies. But any business that uses BitPay as their payment processors can accept crypto payments with Bitcoin (BTC), Ethereum (ETH), Bitcoin Cash (BCH), Dogecoin (DOGE), Shiba Inu (SHIB), Litecoin (LTC), XRP (XRP), Dai (DAI), Wrapped bitcoin (WBTC), Gemini USD (GUSD), USD Coin (USDC), Binance USD (BUSD), ApeCoin (APE) and Euro Coin (EUROC).

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