5 Ways for Independent Jewelers to Generate Additional Revenue at the Point of Sale

By Lisa RosenMore from this author

Updated on April 19, 2026

Independent jewelers can generate additional revenue at the point of sale by offering multiple payment options (including jewelry purchase financing and BNPL), pitching jewelry protection options (including specialized insurance and jewelry warranty/service plans), and providing value-reinforcing services like appraisals. 

Below we run through each of the five options and explain why they are so effective for a broader audience of customers. All are common, proven retail levers used in luxury categories that can increase ticket size, improve close rate, and encourage customers to come back.

Keep reading to learn:

• What options to offer to better attract customers
• Effective ways to pitch these add-ons to customers
• The additional factors that may impact your success

5 Potential Additional POS Revenue Streams

1. Jewelry Purchase Financing

Promoting monthly payments for higher-ticket items can encourage consumer behavior, prompting customers to buy now rather than later, thereby increasing sales.

2. Jewelry Insurance Referrals

Referrals to trusted jewelry insurance providers like BriteCo can protect your customers' investment whilecreating a return-to-jeweler claim pathway.

3. Buy Now, Pay Later Options

If you split payments into fast, short installments like "pay in 4" agreements, it provides a more comfortable option for customers that may have initial sticker shock. 

4. Appraisals

Adding appraisals to your existing customer offerings adds value to the buying experience and ensures customers are ready to purchase insurance. You can even integrate the appraisals process into your POS system, when using best-in-class software like that offered by BriteCo.

5. Jewelry Warranty and Service Plans

While not the same as jewelry insurance, a warranty or service plan can cover repairs, regular maintenance, and accidental damage, bringing customers back to you on a repeat basis.

Which Additional Revenue Streams at POS Should You Prioritize?

To decide which tactics to implement first, ask yourself a few questions:

• Do you frequently sell engagement rings or higher-ticket bridal jewelry? Prioritize financing add-ons at POS.
• Do your customers frequently ask questions along the lines of "what if something happens to my new jewelry"? Prioritize insurance add-ons at POS.
• Are your customers sensitive to upfront costs but still want to make an immediate purchase? Add BNPL options at POS.
• Do you want to give your customers a high-trust, high-value add-on that supports existing protection programs? Add appraisals to your existing offerings.
• Do you regularly provide jewelry repair or cleaning services? Add a warranty or a jewelry service plan option at POS.

How to Implement Additional POS Revenue Streams

1. Jewelry Purchase Financing

When you offer promotional financing or store card financing for new products, like high-ticket or bridal jewelry purchases, it allows potential customers to afford higher-value pieces now and reduces the chances of any "I need to think about it" excuses.

How to pitch it: "If you'd like, we can split this into monthly payments so you can get the piece you actually want today."

Best example: The Synchrony Luxury credit card, purpose-built for jewelry and other luxury categories, with promotional 6 to 18-plus month financing.

2. Jewelry Insurance

As part of your already great customer service, you can further protect your customers' interests by offering jewelry insurance at checkout, with quick coverage quotes embedded into your POS. 

If customers make the investment — they're more likely to do so right at purchase when they're most emotionally invested — and end up using their coverage, they'll also be more likely to return to your store if they need a replacement piece.

How to pitch it: "Most people insure pieces like this. Would you like me to send you a link to a quick quote so it's protected right away?"

Best example:BriteCo offers flexible jewelry and watch insurance partnership options to jewelers, with POS-integrated quotes and appraisals. Claims are also returned to the jeweler, and jewelers are paid directly.

3. Buy Now, Pay Later

Short installment plans — such as a "pay in 4" interest-free payment plan — can reduce sticker shock and encourage customers to buy now. This is a good option for fashion jewelry brands and accessible fine jewelry.

How to pitch it: "If you'd rather split up payments, we offer pay in 4 options — four equal payments every two weeks."

Best example:Klarna can be set up in-store to provide flexible payment schedules, including pay in 4 plans.

4. Appraisals at POS

Offering appraisals at POS can increase customer engagement, reinforcing their trust. You can integrate appraisals into your POS workflow, which can also push customers toward potential insurance coverage.

How to pitch it: "We can include an appraisal so you have documentation for your records and protection options."

Best example: Our top recommendation is BriteCo's appraisal system that can be used as a stand-alone option or at the point of sale. 

5. Jewelry Warranty and Service Plans

Build a long-term relationship with new customers by offering branded protection plans for repairs, accidental damage, stone loss, and/or routine maintenance. Not only does this ensure repeated visits for future service needs, but it also drives further customer touchpoints.

How to pitch it: "If you want ongoing coverage for maintenance and common repairs, we offer a store-branded service plan you can add today."

What to Offer When

Get Started Implementing These Revenue Opportunities Today

1. Pick which offerings you're going to begin pitching to customers.

2. Build pitch prompts into your POS versus relying on memory alone.

3. Train yourself and associates on the pitches you'll use.

4. Track your success weekly, but also by associate, ticket band, and purchase category.

What Will Impact Your Success at Checkout

As you implement any or all of these five opportunities for generating additional revenue at POS, you may notice a myriad of factors can impact your success, including:

• The point in the sales flow when you make your pitch (before closing vs. at close vs. post-sale)
• POS friction (how easy are you making the decision for your customer)
• Pitch wording
• Confusion prevention (such as differentiating between insurance and warranties)

Do's and Don'ts to Prevent Customer Confusion

• Doposition insurance as broader protection for loss, theft, or damage, and a warranty as maintenance, repair, and service coverage.
• Don't verbally bundle insurance and warranties as "the same thing."
• Do treat BNPL as short split-pay and financing as longer, promotional monthly payments.

POS Revenue Generation FAQs

What Are the Best Ways to Increase Revenue at Jewelry Checkout?

Independent jewelers can increase revenue at jewelry checkout by offering financing, insurance referrals, BNPL options, warranties and service plans, and appraisals.

What's the Difference Between BNPL and Jewelry Financing?

BNPL typically is interest-free and splits payments over a very short period of time (such as four payments over two months). Jewelry financing is a more traditional option, with long-term monthly payments.

Can You Provide Insurance Quotes Directly from Your POS?

Yes! If you've partnered with the right jewelry insurance provider, like BriteCo, you can integrate insurance quotes and appraisals right into your POS.

Should You Offer Appraisals with Every Purchase?

Yes, offering appraisals with every purchase can increase customer trust and fast-track clients toward a jewelry insurance purchase.

Why Should Jewelers Offer Jewelry Insurance at the Time of Purchase?

Offering jewelry insurance at the time of purchase can provide customers with the highest level of protection for their entire jewelry collection, and ensure that they come back to the original jeweler who sold them their past purchases, if they ever need a replacement or repair.

It's Always a Good Idea to Increase Your Revenue Opportunities at POS

Consider implementing one payment lever (financing or BNPL), one protection lever (insurance or warranties), and one trust lever (appraisals) into your POS. Doing so can increase revenue opportunities, while enhancing the customer experience.

If you want help streamlining checkout offers and improving attach rate, talk to the Ganoskin team about POS workflows and partner integrations.