Payments

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.

Checks:

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. (EST). If you tracked the delivery of your payment to APMEX, it will be processed before the end of the next business day. In the event you cancel your order, we cannot stop the processing of a check.

MAIL CHECK PAYMENTS:

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.

APMEX does accept paper check payments up to $100,000.00 (USD).

Bank Wires:

APMEX does accept bank wire payment for any order amount. Any order exceeding $500,000.00 (USD) will need to be verified and are reviewed on a per order basis.

Wire payments are processed throughout the business day through 5 p.m. (EST). We may be in receipt of your wire but will only inform you of receipt when it has been applied to the order.

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.

Options to keep your 4% discount:

• Bank wire to check
• Check to bank wire
• Bank wire or check to eCheck (if eligible)

Options to earn a 4% discount:

• Credit card to check or bank wire
• PayPal to check or bank wire
• Credit card or PayPal to eCheck (if eligible)

Changing payment to credit card:

• PayPal to credit card (No price change)
• Check to credit card (Surrender cash discount)
• Bank wire to credit card (Surrender cash discount)

If changing to bank wire or check, you may email, chat or call us to make the change.

Changing to PayPal, Cryptocurrency is not permitted as these are only available as payment options when your order is placed on our website. At this time, we cannot change an existing order from Cryptocurrency to another payment method unless the payment could not be validated (at which time you will be contacted by APMEX customer service).

Is there a discount for paying by check or bank wire?

Yes. We provide a 4% discount off our list/retail price to our customers if they pay for their orders by paper check, eCheck, bank wire, or trade. The prices shown for each product on the website include the 4% discount unless you choose to pay by credit card, PayPal, Bitcoin and Bitcoin cash.

What form of payment does APMEX accept?

Payment to APMEX must be provided using one of the following:

• Credit/debit card (excluding prepaid cards)
• PayPal
• Bank Wire
• eCheck
• Paper check
• Bitcoin (BTC), Bitcoin Cash (BCH), Ethereum (ETH), Wrapped Bitcoin (WBTC), Dogecoin (DOGE), Litecoin (LTC), Shiba Inu (SHIB), ApeCoin (APE), Polygon (MATIC), 5 USD-pegged stablecoins (GUSD, USDC, USDP, DAI, and BUSD) and Circle Euro Coin (EUROC) a stablecoin backed by the Euro

Please note that we no longer accept money orders.

How do I pay by check?

If you wish to pay for your order by paper check, select the respective check type as your payment method in the checkout and submit your order. We will send you an order confirmation email and payment instructions, which provide the address to mail the check to and a reminder to write your order number on your payment. Please follow the directions listed within the confirmation email. Please note, we do not accept checks to our physical address. We expect to receive your payment within (5) five business days of placing the order.

We recommend signing up to receive SMS Text notifications when you place your next order on the web. We will notify you by text message when the payment is applied and when your order ships.

Do you have a holding period for checks?

Yes. We hold all forms of check payments, including eChecks, for (4) four to (5) five business days. The holding period ensures the bank can 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 utilize our cash discount, you may consider paying by same day bank wire.

What is an eCheck?

An eCheck allows you to quickly place orders with APMEX. eChecks are processed either the same day or the following business day. Your order is held for (4) four to (5) five business days after payment is processed before shipping.

How do I pay by bank wire?

If you wish to pay for your order by bank wire, select bank wire as your payment method in the checkout and submit your order. The bank wire payment transaction is not part of the ordering process. You will wire the payment after the order is placed. We will send you an order confirmation email, which will include our banking information for the wire and a reminder to reference your order number on your payment. We expect to receive your payment within 3 (three) business days of placing the order. We only accept same-day bank wire payments and no ACH transactions. In some cases, we will require a credit card to be entered when choosing to pay by bank wire. Your credit card may be used for cancellation fees and any applicable market loss if the order is cancelled online or cancelled due to non-payment.

We will send a payment confirmation email to notify you the payment has been applied to the order and inform you when we expect to ship your order. Same-day bank wire payments are eligible for our QuickShip® Program (domestic orders only; some restrictions apply). When the order ships, we will send you a ship confirmation email, which will include your tracking number.

We recommend signing up to receive SMS text notifications when you place your next order on the web. We will notify you by text message when the payment is applied and when your order ships.

How do I pay with Cryptocurrency?

If you wish to pay for your order with cryptocurrency as your payment method, select "Cryptocurrency via BitPay" during checkout and submit your order. You will be presented with an embedded BitPay invoice. You have 15 minutes to submit your payment. Crypto orders exceeding $400,000 (USD) per week are not accepted at this time.

Which wallets work best for my Cryptocurrency payment?

Many Cryptocurrency wallets do not fully support payment protocol. These non-payment protocol wallets make it too easy to send the incorrect amount or send your Cryptocurrency to the wrong place.

BitPay recommends using a BitPay-approved Payment Protocol Compliance wallet that you can trust to successfully use for Cryptocurrency payments. Compatible wallets can be found here.

What is your good funds policy?

Funds are considered “good” (4) four to (5) five business days from the day we receive your paper 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 (3) three business days, or (5) five business days for paper checks, 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 priority mail service through the United States Postal Service to be sure your payment is received on time.

Do you accept credit/Debit cards?

Yes. We accept Visa, MasterCard, Discover and American Express credit cards for payment. They are convenient for paying for smaller orders. All credit card orders are reviewed on an order by order basis. We reserve the right to refuse any order deemed questionable or of significant risk to APMEX regardless of payment method and price confirmation.

Do you accept PayPal?

Yes. We accept PayPal for payment. All PayPal orders are reviewed on an order by order basis. PayPal is only available for orders shipped to a valid U.S. address and for U.S. dollar (USD) transactions only.

Do you accept Cryptocurrency?

Yes, at this time we support payment in Bitcoin (BTC), Bitcoin Cash (BCH), Ethereum (ETH), Wrapped Bitcoin (WBTC), Dogecoin (DOGE), Litecoin (LTC), Shiba Inu (SHIB), ApeCoin (APE), Polygon (MATIC), 5 USD-pegged stablecoins (GUSD, USDC, USDP, DAI, and BUSD) and Circle Euro Coin (EUROC) a stablecoin backed by the Euro.

Do you accept money orders?

No, we do not accept money orders.

Do you accept ACH transactions?

We accept ACH/E-Check payments and this option can be found during checkout page. We may ask for further verification through our processing system, Plaid. We do not accept ACH payment sent by your bank as a type of bank wire.

Do you accept online bill payments?

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 should ship the order (5) five 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, APMEX reserves the right to either accept your payment, refuse, cancel your order, or provide a new 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 a 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 an order number, all prices are locked-in whether buying from us or selling to us. It is not our intention to enter 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, you may do so by logging into your account and selecting your order number from your order history.

All cancellations are subject to our Market Loss Policy plus the greater of $50 or 5% of the order total fee. At that time, if any market loss to APMEX has occurred, it will be calculated and added to the greater of $50 or 5% of the order total 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 are Cryptocurrency refunds applied?

All Cryptocurrency refunds are issued through BitPay at the USD rate at the time the refund is processed. Refunds for returns are not processed until after the returned item(s) has been received and verified by 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 greater of $50 or 5% of the order total 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. If payment has already been received for the order, market loss or cancellation fees can be deducted from the refunded amount.

Can I pay market loss using the eCheck payment option?

Yes, however at this time to pay by eCheck you must call our customer Accounts Receivable Department at Ext. 833 to process the information.

Can I pay market loss using a Cryptocurrency payment option?

A Cryptocurrency option is not available for the payment of market loss. These fees can be paid by credit card, paper check or bank wire.

What currencies does APMEX accept?

We currently accept payments in U.S. dollars.

What Cryptocurrencies does APMEX accept?

We accept payments in Bitcoin (BTC), Bitcoin Cash (BCH), Ethereum (ETH), Wrapped Bitcoin (WBTC), Dogecoin (DOGE), Litecoin (LTC), Shiba Inu (SHIB), ApeCoin (APE), Polygon (MATIC), 5 USD-pegged stablecoins (GUSD, USDC, USDP, DAI, and BUSD) and Circle Euro Coin (EUROC) a stablecoin backed by the Euro.