Have you received my payment?
We send email confirmation the moment your payment has been processed and applied to the order. If you have not received an email from us, your payment has not yet been processed.
Check payments sent to our P.O. Box address go directly to our bank for processing. It is important to note APMEX has no visibility as to what checks are waiting to be processed. Checks are processed throughout the business day through 5 p.m. (ET). If you tracked delivery of your payment to APMEX, it will be processed before the end of the next business day.
Please know it is not at all uncommon for check payments to take a week or so to arrive through the mail. In most cases, waiting for receipt of our payment confirmation will answer most inquiries about check payments.
Wire payments are processed in batches twice daily. We may be in receipt of your wire but will only inform you of receipt when it has been applied to the order. This notification will occur either before 1 p.m. (ET) or before 5 p.m. (ET), based on the batch processing times.
Please note that APMEX can only process Same-Day bank wires. Many banks offer Next Day, 2-day and 3-day wires with bank reduced fees, which makes selecting those very appealing. Even if you provided the correct information to your bank to wire APMEX but chose a wire other than a Same-Day wire, we would have no visibility to your wire to inform you it is not correct or to reject it so you can try again.
If you are certain APMEX is in receipt of your payment but it has not been applied yet, please let us know the details about your payment and we will research it for you.
Can I Change My Payment Method?
In many cases we can change your payment method. Please see the options below.
Keep your 4.0% discount:
- Bank wire to check
- Check to bank wire
- Bank wire or check to eCheck (if eligible)
Earn a 4.0% discount
- MasterCard/Visa to check or bank wire
- PayPal to check or bank wire
- MasterCard/Visa or PayPal to eCheck (if eligible)
Change payment to MasterCard/Visa
- PayPal to MasterCard/Visa (No price change)
- Check to MasterCard/Visa (Surrender cash discount)
- Bank wire to MasterCard/Visa (Surrender cash discount)
If changing to Bank wire or check, you may email, chat or call us to make the change. Credit card payments and eCheck payments must be made by phone to keep your account information secure.
Changing to PayPal is not permitted as it is only available as a payment option when your order is placed on our website.
Is there a discount for paying by Check or Wire?
Yes. We provide a 4.0% discount off our list/retail price to our customers if they pay for their orders by check, bank wire, or trade. The prices shown for each product on the website include the 4.0% discount unless you choose to pay by credit card or PayPal.
What form of payment does APMEX accept?
Payment to APMEX must be provided using one of the following:
- Credit card
- Bank Wire
- Personal check
Can you buy Gold using a credit card or debit card?
When shopping with a reputable online Precious Metals dealer, you have many options available for buying Gold and Silver bullion. Many dealers accept bank wires, personal checks or eChecks, and some even offer PayPal. However, a number of investors and collectors want to know how to buy Gold with a credit card, which can offer several benefits over other payment methods. Expedited payment clearance, added security and fast ship times are some of the benefits you will find when you look into how to buy Gold with a credit card or debit card.
Do you have a holding period for checks?
Yes. We hold all forms of check payments for 4 business days. The holding period ensures the bank has the opportunity to notify us of a problem with the payment before the order ships. Additional holding days may be added if your bank delays confirmation of your check payment. To avoid the payment holding period and realize our cash discount, you may consider paying by same day bank wire.
What is an eCheck?
An eCheck is a check generated by APMEX on your behalf in the amount of your sales order using the banking information that you provided, that will be deposited into our bank either the same day your order is placed or the following day.
How do I qualify for eCheck payments?
If you have purchased from us previously, you are automatically eCheck-payment eligible. Contact us for assistance if you do not see this payment option in checkout. If you have not yet purchased from us, simply make your first order using any other payment option. On your next order, you should see the eCheck payment option in checkout.
Where and how do I wire funds?
Upon placing an order and our issuing a confirmation number, we will provide you instructions along with our bank name, ABA routing number and account number. Please be advised we can only process same-day bank wires, and your bank will likely charge you a fee of $20 to $45 to issue the wire, depending on your bank’s processing fees schedule.
What is your good funds policy?
Funds are considered “good” 4 business days from the day we receive your personal check or eCheck. Additional holding days may be added if your bank delays confirmation of your check payment. To realize the cash discount and avoid waiting for check funds to be good, you may consider paying by same day bank wire. Those funds are considered good upon receipt. eCheck payments eliminate the need to mail a payment, but are still held for verification of funds.
How quickly will you need my payment?
You must ensure that your payment is received by APMEX within (5) five business days to guarantee your price. APMEX reserves the right to cancel orders that do not meet this requirement. We recommend mailing your payment the same day your order is placed and using 2-3 day priority mail through the United States Postal Service to be sure your payment is received on time.
Do you accept credit cards?
Yes. We accept both Visa and MasterCard credit cards for payment. They are convenient for paying for smaller orders. Please note there is a $500,000 order limit when paying with a credit card. All credit card orders are reviewed on an order by order basis. In addition, we will only ship to the credit card billing address. Please confirm that the shipping address is the same as the mailing address in your online account before placing credit card orders. We reserve the right to refuse any order deemed questionable or of significant risk to APMEX regardless of payment method and price confirmation.
Buying Gold or Silver with a credit card offers several added benefits over other payment methods, including the ease of paying instantly from home without having to drop off a check in the mail or requesting a wire transfer from your bank. Also, Visa and MasterCard both offer many reward programs that customers can add to by buying Gold and Silver bullion with a credit card. These benefits make buying Gold bullion with a credit card even more attractive to many investors and collectors.
How to buy Gold bullion with a credit card
Buying Gold and Silver bullion with a credit or debit card is easy. The two most important factors when deciding to buy Gold with a credit card at APMEX are that your order must be below $500,000 (USD) and your shipping address must match your billing address. Please confirm that the shipping address in your APMEX account is the same as your credit card billing address before placing credit card orders. Credit card orders shipped outside the United States have a minimum order amount of $250 (USD). APMEX reserves the right to cancel any order that does not meet these requirements.
How long does it take payment to clear?
APMEX reviews all credit card orders on an order-by-order basis to ensure all requirements are met. Unlike personal checks, eChecks or bank wires, which can take up to one week to clear, credit card and debit card orders typically clear for payment within one business day. You will receive an email once your payment has been processed and applied to your order. Fast payment processing is one big benefit when considering to buy Gold with a credit card.
Do you accept PayPal?
Yes, we do accept PayPal for Payment. PayPal orders exceeding $5,000 (USD) are not accepted until you are an established customer. PayPal orders exceeding $10,000 (USD) are not accepted. PayPal is only available for orders shipped to a valid U.S. address and for U.S. Dollar (USD) transactions only.
Do you accept ACH or online payments?
No, we do not accept ACH transactions. We do accept online bill payments in check form only and they will be subject to the same payment holding time as other checks. We will ship the order 4 business days after we receive the bill payment check.
What happens if my payment isn't received within the applicable time period?
It's always best to send us your payment immediately to ensure APMEX can honor the confirmed price. If payment is not received within five (5) business days, APMEX reserves the right to either, accept your payment, refuse and cancel your order, or provide a fresh quote based on the market price at the time we received payment.
What happens if I don't send a check or follow up on my order after it has been confirmed?
Your order may be canceled if we do not receive payment within the required time period. Also, your account may be closed and you may no longer be able to place trades with us. If a decline in the market price occurs, you will be liable for any market loss we incur for locking in and accepting your order. (Our Market Loss Policy). You will be charged the difference between your confirmed price and the market buy price when your order is officially canceled. Any market gain on cancellations shall remain the property of APMEX.
Can I cancel my order?
Once we have issued a confirmation number, all prices are locked-in whether buying from us or selling to us. It is not our intention to enter into buying and/or selling transactions, accepting the risks involved only to have them canceled. However, we realize rare situations happen where orders need to be canceled. Should you elect to cancel and/or offset your order, you must do so during normal business hours of 8 a.m. to 8 p.m. (ET) Monday – Thursday or 8 a.m. to 6 p.m. (ET) Friday. All cancellations are subject to our Market Loss Policy plus a $35.00 (USD) cancellation fee. Cancellations may only be approved over the telephone, at which time you will be given a cancellation number. At that time, if any market loss to APMEX has occurred, it will be calculated and added to the $35.00 (USD) cancellation fee. If applicable, any cancellation fee and/or market loss will be charged to your credit card for the full amount due, as per User Agreement. No future orders may be permitted until any market loss is paid in full. Any market gain on cancellations shall remain the property of APMEX.
How do I pay a market loss if I cancel my order?
If you need to cancel your order and, at that time, a market loss to APMEX has occurred, it will be calculated and added to the $35.00 (USD) cancellation fee. If applicable, you may elect to pay any market loss by credit card at that time, or we will invoice you and you will then have 30 days to pay the amount due in full. APMEX reserves the right to limit any orders, either when buying from or selling to APMEX, until any market loss is paid in full. Any market gain on cancellations shall remain the property of APMEX.
Can I pay market loss using the eCheck payment option?
At this time, the eCheck payment option is not available for the payment of market loss. These fees can be paid by credit card, personal check or bank wire.
What currencies does APMEX accept?
We currently accept payments in U.S. dollars.
Are all payment methods available, regardless of the size of my order?
No. Please see the chart below for acceptable payment types and order amounts
|Order Amount (USD)||Preferred Payment Types||Payment Due|
|$0.01 - $10,000||Credit Card, PayPal, Bank Wire, Personal Check, eCheck||5 Business Days|
|$10,000.01 - $250,000||Credit Card, Bank Wire, Personal Check, eCheck||5 Business Days|
|$250,000.01 - $500,000||Credit Card, Bank Wire||5 Business Days|
|$500,000.01+||Bank Wire||5 Business Days|