A $75,000 diamond ring processed on a traditional terminal costs you $2,175 before your client even leaves the boutique. Noctyra ends that permanently — and gives your most discreet clients the privacy they've been looking for.
The boutique is immaculate. The service is impeccable. The payment layer is a relic from 1985 that charges you 3% of everything, can be reversed months after the sale, and records your client's every transaction in a processor's database.
Every Amex transaction costs 3.5%. Every Visa and Mastercard costs 2.9%. On a $50,000 engagement ring, that is $1,750 gone before the client even walks out the door — and you had zero say in the matter. This fee was never negotiated. It was imposed. It compounds on every single transaction, for life.
A client disputes a high-value purchase — claiming the piece "was not as described" or their card "was not authorized." Your processor sides with the cardholder. You lose the piece and the payment. In luxury jewellery, a single fraudulent chargeback can erase months of margin. You have no recourse. The system was designed this way.
When a client buys a $120,000 Patek Philippe, that transaction creates a permanent record — on a processor's servers, on their bank statement, potentially visible in a divorce, tax proceeding, or audit. Your most private clients are increasingly aware of this. They are looking for an alternative. The boutique that offers it, earns their loyalty.
Some boutiques already accept crypto informally — via wallet transfers without any system in place. Under Canadian law, receiving virtual currency of $10,000 CAD or more requires a FINTRAC Large Virtual Currency Transaction Report. Without a proper system, you are non-compliant on every large crypto transaction you have ever accepted, exposing you to serious regulatory penalties regardless of the transaction's legitimacy.
Whether it is a $3,000 pendant or a $300,000 parure, the processing fee is zero. Your stated price is your received price — no processor margin embedded in every transaction, no quarterly reconciliation surprises, no rate renegotiation every 12 months.
↑ Save $195,000+ per yearCrypto transactions are cryptographically final. A client paying in Monero or Bitcoin cannot open a dispute 30, 60, or 180 days later. Every sale is permanent from the moment of on-chain confirmation. Your inventory risk ends at the point of handover.
↑ Zero disputes, zero losses, everA Monero payment creates no bank record, no processor log visible to third parties, and no statement line. For clients who buy jewellery for reasons requiring discretion — gifts, private collections, estate planning — this is not a feature. It is a necessity they will pay a premium to access.
↑ The discretion they've been looking forAccept crypto deposits on bespoke commissions and layaways. A $10,000 deposit on a custom piece is yours permanently — no reversal possible. You build the piece knowing the client's funds are irrevocably committed. Source stones with confidence.
↑ Your workshop fully protectedCrypto-wealthy collectors actively search for boutiques that accept digital assets. By deploying Noctyra, you become the only Montreal jeweller visible to this segment. During Grand Prix week, thousands of international high-net-worth visitors arrive with significant crypto holdings and nowhere to spend them on fine jewellery. Be the destination they find.
↑ First mover advantage — Grand Prix season in 34 daysUnder Canadian law, any business receiving virtual currency equivalent to $10,000 CAD or more must file a Large Virtual Currency Transaction Report with FINTRAC. Most boutiques accepting crypto informally have never filed one — a serious regulatory exposure that Noctyra eliminates completely.
Every transaction flowing through Noctyra appears in a real-time dashboard designed for your boutique. Your bookkeeper sees exactly what they need — amount, coin, CAD equivalent at time of receipt, confirmation hash, and settlement status. Nothing manual, nothing missing.
A $40,000–$150,000 engagement ring sold with zero processor fee. The chargeback risk that haunts post-purchase disputes is permanently eliminated the moment payment confirms.
Rolex, Patek Philippe, Audemars Piguet, Richard Mille. Clients acquiring six-figure timepieces expect absolute discretion. Crypto delivers payment privacy that no card terminal has ever offered.
Trade and retail transactions on GIA-certified loose stones. Crypto payments match the finality and permanence that stone buyers already expect from the transaction itself.
Accept a crypto deposit on any bespoke commission. The deposit is secured before you source a single stone. No reversal. No "I changed my mind." Your workshop and your suppliers are protected.
Clients from Hong Kong, Geneva, Dubai, or New York settle in crypto. No SWIFT wire, no conversion fee, no hold. Funds arrive in your wallet in minutes, not business days.
Montreal's Grand Prix draws thousands of international high-net-worth visitors — from Dubai, Miami, Geneva — who hold significant crypto. Be the only boutique in the city that can accept it when they walk through your door.
Flat setup fee. No revenue share. No ongoing percentage. We configure the gateway to match your boutique's aesthetic, integrate with your POS workflow, train your team — and then your revenue flows directly into your wallet on every sale, for life.
Fully white-labelled. Your boutique's branding on every invoice — clients see your house, not a payment processor.
FINTRAC compliance included. Automatic reporting for large transactions — your team submits in under 2 minutes per report.
Complete dashboard and audit trail. Every transaction logged with amount, coin, CAD equivalent, and confirmation hash for your bookkeeper.
Layaway & deposit flows. Purpose-built for accepting partial payments and commissions with full on-chain permanence.
In-boutique in one day. From first call to live transactions — your team is trained and operational within a single business day.