Payment Methods
At Ricca Jewelry, payment moves at your pace. You choose the jewel. We ensure the journey to it is seamless, secure, and flexible.
We offer traditional payment options, smart installment solutions, and an exclusive jewelry reservation program — all designed to match your lifestyle.
Conventional Payment Methods
We accept the most trusted and widely used payment methods, ensuring speed, security, and peace of mind:
- Cash
- Zelle
- Venmo
- PayPal
- Credit & Debit Cards
Ideal for clients who prefer a direct and immediate transaction.
Flexible Installment Options
Up to 12 installments with selected partners
For those who prefer to maintain financial flexibility without compromising on their desired piece, we work with trusted financial institutions offering streamlined installment solutions.
Acima Bank
One of the leading financing solutions for high-value purchases, offering fast approval and installment plans of up to 12 payments.
- Free application
- No impact on your credit score
- Instant decision
- No obligation to use after approval
Using the approved credit
- Fixed administrative fee of $70 (not part of the financing)
- Payoff period of up to 12 weeks:
- No interest
- Total cost: $70 (initial fee) + $20 (closing fee)
- Total contract term: up to 52 weeks (1 year)
- Payments can be made anytime, in any amount, through the bank’s app
- Each payment is subject to a 7.5% sales tax, as required by law
Klarna
Klarna allows you to split your purchase into simple, transparent payments directly at checkout.
How it works
- Select Klarna as your payment method at checkout
- Choose the available option at the time of purchase
Most common options
- Pay in 4: Split the total into four interest-free payments
- Pay in 30 days: Receive your jewelry now and pay the full amount within 30 days, interest-free
Payments are managed through Klarna’s app or website, with clear due dates and full control.
Afterpay
Afterpay allows you to divide your purchase into short-term installments with no bureaucracy.
How it works
- Select Afterpay at checkout
- The total is divided into four equal payments, typically due every two weeks
- No interest, provided payments are made on time
Ideal for clients seeking simplicity and predictability in short-term installment plans.
Ricca Layaway Program
The jewel is yours — on your timeline.
Our Layaway Program is the most strategic way to secure an exclusive piece without pressure.
How it works
- An initial deposit is made
- The jewelry is immediately removed from inventory
- The remaining balance may be paid over up to six months
- No fixed weekly or biweekly payment requirements
You set the pace. We reserve the jewel.
Once payment is completed, your piece is shipped with the security, care, and excellence that define Ricca Jewelry.
Choose how you pay. The experience remains unmistakably Ricca.
