Who Is the Highest-Spending Shopper on Earth — and Is Your Store Ready for Them?
Crypto consumers spend twice as much as credit card holders. 36% earn over $100K/year. Gucci, Hublot, and Farfetch already accept crypto — and your store can too, with zero volatility risk and next-day USD settlement.
Sourced from ForumPay Luxury Goods Report · 2025 Crypto Spending Data
Boutique Luxe
Crypto Payment
Scan to pay with crypto
Settled in USD — next business day
Luxury brands already accepting crypto
The Process
How Do Crypto Retail Payments Work In-Store?
Simple for your customer. Safe for you. No crypto expertise required on either side.
Customer Shops & Chooses Crypto at Checkout
In-store or online, your customer selects crypto as their payment method. Works with BTC, ETH, USDT, USDC, and more.
TrustPay.us Generates a Payment Invoice
A QR code invoice appears on the terminal or checkout page with the exact crypto amount — locked at the current exchange rate.
Customer Pays from Their Wallet
They open their crypto wallet app, scan the QR code, and send payment. No card, no bank, no friction.
Instant Conversion — You Get USD
TrustPay.us instantly converts the crypto to USD at the moment of purchase. No volatility, no holding crypto. Funds settled to your bank next business day.
Why Retailers Choose Crypto
Why Is Crypto Safer & More Profitable Than Card Payments for Retailers?
Crypto isn't just a novelty — it's a smarter payment channel with real financial advantages for your business.
Zero Chargeback Risk
All blockchain transactions are final and irreversible. No fraud disputes, no chargeback fees on crypto sales — ever.
Higher Average Order Value
Crypto consumers spend twice the average of a credit card customer. Attract high-intent, high-spending buyers to your store.
Reach Global Customers
No currency conversion, no international card declines. Accept payments from anywhere in the world instantly.
Lower Transaction Costs
Fewer intermediaries mean lower per-transaction fees. Crypto settlements are more cost-efficient than traditional card rails.
40% Are New Customers
Studies show 40% of crypto-paying customers are new — they specifically seek out merchants who accept digital currency.
KYC/AML Compliant
TrustPay's infrastructure is built for compliance across US and international jurisdictions — no extra setup needed.
Credit Card Solutions
How Can Retail Stores Accept Every Payment Method Without Paying Processing Fees?
Retail stores that limit payment options lose sales. TrustPay.us ensures your boutique or store accepts every card, every wallet, every way to pay — while eliminating processing fees entirely through our Cash Discount & Dual Pricing programs.
Why Every Retail Store Needs a Modern Payment Partner
Customers Who Can't Pay Their Way, Leave
Shoppers who can't tap, chip, or use Apple Pay abandon the transaction. TrustPay.us' smart POS terminals accept all major cards, contactless, debit, and mobile wallets — in-store, on the go, and online.
Inventory, Employees & Customers — All in One Place
TrustPay.us' merchant portal lets you sync inventory across devices, set low-stock alerts, manage employee access and performance reports, and identify your best customers — all tied to your payment data.
Send Invoices by Text, Email, or QR Code
Take payments from anywhere — text a payment link to a customer, email an invoice, or display a QR code at checkout. TrustPay.us gives your store multiple ways to get paid without extra hardware.
Accept Payments Offline Too
Weak Wi-Fi at a pop-up or outdoor market? TrustPay.us terminals accept payments even with limited or no internet connection — so you never miss a sale.
How Much Is Your Retail Store Losing to Fees?
Boutique — 2.9% on $50K/mo card volume
paid to your current processor
With TrustPay.us Cash Discount
zero processing cost to you
Annual savings back in your pocket
reinvest in inventory & marketing
Based on average retail boutique processing $50K/month. Results vary by volume and card mix.
Every Way Your Customer Wants to Pay
Security + Competitive Edge for Your Store
TrustPay.us' retail terminals use point-to-point encryption and military-grade tokenization — protecting your customers' card data and keeping you PCI-DSS compliant without the complexity. Our Cash Discount / Dual Pricing Edge Program lets you post a cash price and a card price — giving card users the choice and you one low blended rate on every transaction.
with Cash Discount
The Smart Choice
What Are Stablecoins, and Why Are They Ideal for Retail?
Stablecoins like USDT and USDC are pegged to the US dollar — giving your customers the freedom of crypto with none of the price swings for you.
Price-Stable
Pegged to the US dollar — no volatility, no guesswork on margins or refunds.
Near-Instant Settlement
Faster than card rails and works 24/7, including weekends and holidays.
Cross-Border Ready
Accept from international buyers with no conversion delays or fees.
Fully Auditable
Every transaction leaves a tamper-proof blockchain trail — simpler reconciliation.
Works Across All Retail Categories
From boutiques to big-box, any retail merchant can start accepting crypto today.
Accepted Cryptocurrencies
Your customers pay in their preferred crypto — you always receive USD.
Luxury & Crypto
Are Affluent Crypto Holders Ready to Spend on Luxury Goods?
The world's wealthiest crypto holders are actively converting digital assets into high-end goods. Gucci, Hublot, and Farfetch already accept crypto — TrustPay.us puts that same capability in your hands, with zero volatility risk and next-day USD settlement.
Crypto consumers spend twice as much as credit card holders — making every crypto sale significantly more valuable to your store.
47% of millennial millionaires hold more than 25% of their wealth in cryptocurrency — and they're looking to spend it on things they value.
36% of crypto holders report an annual income of $100K or more — the core luxury demographic already owns crypto.
The world's largest diamond ever sold was purchased for $4.3M USD entirely in cryptocurrency. Luxury and crypto are already converging.
Studies show 40% of crypto-paying customers are first-time buyers at a store — meaning crypto literally brings you new customers.
Over 575 million wallets exist globally. Your luxury store can now reach a segment that no traditional payment method can.
Why Crypto Is Better Than Cards for Luxury Retail
No Chargebacks on $5,000+ Sales
Blockchain transactions are final. A crypto sale of a Rolex or designer handbag cannot be disputed, reversed, or charged back — ever.
Lower Fees on High-Ticket Transactions
On a $10,000 luxury purchase, 2.9% card fees cost you $290. Crypto fees are a fraction of that — and with TrustPay.us Cash Discount, you pay zero.
Instant Confirmation = Instant Release of Goods
No holds, no processing delays. TrustPay.us confirms the blockchain payment instantly — you release the item and they're on their way.
International Buyers, Zero Friction
A crypto holder in Dubai buying from your store in LA faces no currency conversion, no international card limits, no bank delays.
TrustPay.us Luxury Crypto Infrastructure
Luxury brands already accepting crypto worldwide
Join the growing list of luxury retailers winning the world's highest-spending consumer segment.
The Hidden Risks High-Ticket Merchants Face — In California, New York & Across the US
Rate and hardware are only part of the picture. State pricing laws, chargeback exposure, and processor mismatches create costly surprises nationwide — here's how TrustPay eliminates them.
⚠️ Surcharge & Fee Disclosure Violations
California's SB 478, New York's consumer protection rules, and similar state-level pricing transparency laws require clear upfront disclosure of any mandatory fee. High-ticket merchants nationwide who add a surcharge at checkout without proper signage risk customer complaints, refund pressure, and enforcement exposure — especially on $5,000+ transactions where the dollar amount becomes very visible.
TrustPay builds compliant pricing workflows from day one — proper signage, staff training, and program structure (Cash Discount vs. Surcharge vs. Dual Pricing) chosen to match your state's rules whether you're in California, New York, or anywhere across the US.
💸 Chargeback Losses on Large Tickets
Automotive deposits, legal retainers, and luxury purchases are prime targets for friendly fraud. A customer can pay a $3,000 deposit, receive the service or goods, then dispute the charge. On high-ticket items, a single chargeback can wipe out the margin from 10 other sales.
TrustPay deploys AVS/CVV enforcement, wallet verification on crypto, tokenized card vaults, and chargeback alerts — stopping disputes before they escalate and protecting your revenue on every large-ticket transaction.
🔌 Processor Mismatch for Your Business Model
Generic processors fail when a merchant needs split payments, deposits, recurring billing, DMS integrations, or remote invoicing. Automotive shops need service-lane workflows; law firms need retainer billing; luxury retailers need concierge checkout and remote payment links. A mismatch creates daily friction and lost revenue.
TrustPay matches you to the right terminal, POS, or gateway — not a one-size-fits-all box. We configure your stack around how you actually sell: in-person, remote, recurring, or split-payment.
🕳️ Hidden Fees That Blow Up Monthly Costs
PCI fees, monthly minimums, gateway fees, batch fees, statement fees, and chargeback fees can add $80–$300+/month on top of the headline rate. For high-ticket merchants, cost-per-transaction swings quickly — and many don't discover the real total cost until month three.
TrustPay presents a clear fee map before you sign — no buried line items, no surprise add-ons. We choose pricing structures that match your volume patterns so you can forecast costs accurately every month.
⏳ Slow Funding & Unresponsive Support
Delayed settlement creates real operational strain for automotive groups paying inventory, clinics covering payroll, and luxury boutiques restocking limited editions. When a terminal or gateway issue hits mid-sale, a support ticket queue is not an answer.
TrustPay offers same-day and next-day funding options, and our team answers calls and texts directly — not a bot. We resolve gateway, terminal, and dispute issues in real time for the verticals we serve.
Fewer Surprises. Fewer Disputes. Faster Money.
TrustPay serves high-ticket merchants across California, New York, and the entire US — combining compliance-first fee structures, fraud controls, and a processing stack built for how you actually sell.
No contracts · State-compliant (CA · NY · all 50 states) · Approved in 24 hours
Why Do High-Ticket Luxury Retailers Choose TrustPay?
California, New York, and luxury boutiques nationwide need a processor that matches their brand standard — zero friction at checkout, fraud controls that protect high-value sales, and support that shows up when it matters.
Luxury & High-Ticket Underwriting Fit
We understand boutique retail, consignment, art, jewelry, and limited-edition goods across California, New York, and nationwide. TrustPay.us structures your account around your actual sales cycle — not a generic merchant profile.
Total Cost Transparency
California, New York, and luxury merchants nationwide compare offers carefully. TrustPay.us shows you exactly what you'll pay — no statement fees, no PCI surprises, no per-auth charges buried in the bill.
Fraud Controls for High-Value Sales
AVS/CVV enforcement, wallet verification on crypto, tokenized card vaults, and chargeback alerts protect every $2,000+ transaction before a dispute ever reaches you.
White-Glove Checkout Experience
In-store POS, text-to-pay invoices, QR code checkout, and online payment links — your customers pay the way they want while your store maintains the elevated experience they expect.
Fast Funding for Inventory Cycles
Luxury inventory is capital-intensive. TrustPay.us same-day and next-day funding options keep you ready to restock limited editions without waiting days for your processor to settle.
Stability Over Flashy Promises
Your brand relies on consistent, reliable payment infrastructure. TrustPay.us' team handles underwriting, terminal support, and dispute resolution personally — not through an automated queue.