Jewelry On Credit and Jewelry Payment Options

At Zoara we understand that your jewelry purchase is actually a carefully chosen investment. In addition to providing a plethora of jewelry options to suit all budgets, we also recognize the need to offer our customers a variety of jewelry payment options, wedding rings finance and engagement rings finance.
At the checkout phase of your online  shopping purchase you will be presented with several options for payment. These include credit card payment plans, using an account service such as Verified PayPal, and other options such as money orders and bank wires. Please note that all transactions placed from the United States and Canada above $20,000.00 and from elsewhere above  $10,000.00 must be made via bank wire in order to establish a secure purchase.

Jewelry Payments Online with a Credit Card
Looking to pay by credit card?  First, you may choose to simply proceed to checkout and directly enter your credit card information into our Secure Shopping system. At this point we gladly accept the following credit cards: Visa, MasterCard, American Express, Discover or Diners Club International. All credit card transactions are charged in US dollars according to the exchange rate of the day on which the order is charged. You may also be charged a fee by your bank or credit card company for processing an international transaction. Zoara is not responsible for such fees.

For security purposes, Zoara may request additional documentation (such as a driver's license, copy of the credit card, etc) on some transactions.
While this is a regularly used method of confirming identity amongst online jewelry retailers, we fully understand that not everyone is comfortable providing this information and can easily change payment to being via bank wire transfer; which includes a 1.5% discount on the pre-tax order total.

Purchase conveniently and securely through PayPal without revealing your credit card or bank account information.

Pay over the Phone Using Multiple Credit Cards
Simply Contact Us if you would like to spread your jewelry payments out over multiple credit cards.  A Zoara Customer Service Representative will walk you through the process.

Pay by Wire Transfer
Should you wish to pay for your order via a Bank Wire you'll receive a 1.5% discount on the final checkout price of your order. We require Bank Wire payments for any transactions placed from the United States and Canada above $20,000.00 and from elsewhere above $10,000.00 to ensure a secure payment transaction. You may be charged a fee by your bank  for processing an international transaction. Zoara is not responsible for such fees.

Pay for your order in with interest-free monthly payments over 3 months. With pre-authorization, there’s no need to go through any approval process. Internationally available.

Buy now and pay later with easy monthly financing options offered through our partner Affirm. Plans include 12, 24, or 36 month installments at affordable rates for US customers*. Apply online to check your eligibility and learn more about Affirm. You are not required to purchase to check your rate. No paperwork is required.

*Your terms may vary and are subject to credit approval. The term is for a loan to finance a purchase. Rates range from 6.99% to 29.99% APR, resulting in, for example, 36 equal monthly payments of $31.33 to $42.45 at 7.99% to 29.99% APR, per $1,000 borrowed. Bread loans are made by Cross River Bank, a New Jersey state-chartered bank, member FDIC.

International Payment Options

For international orders up to $10,000 Zoara offers the following payment options:

  • Credit Card
  • Bank Wire
  • Payment Plans with Split-It

For international orders above $10,000, Zoara accepts bank wire only.

*Please note: All credit card transactions are charged in US dollars. Additional fees may apply.


Additional Information
In accordance with company policy, if we have not received your method of payment within seven days we will have to cancel your order. Upon placing your order, please note your intention to pay via one of the options above, and a Customer Support representative will happily contact you with details to complete your transaction.

Please note that a sales tax may apply to orders shipped to certain states.

Zoara is not responsible for VAT on international orders, unless stated otherwise.

If you are concerned about your online jewelry payments, we welcome you to Contact Us. We are happy to accept your credit card information over the phone, or to make you feel more comfortable by providing information regarding online shopping as a secure and convenient process.