The cheapest listed bullion price is often conditional on the slowest or least reversible payment method.
Bank wire
Wires often receive favorable pricing and settle quickly, but require precise instructions and strong confidence in the recipient. Independently verify wiring details.
ACH or eCheck
ACH can be convenient and lower-cost, but dealers may impose limits or shipping holds because electronic bank payments can be reversed.
Credit card and PayPal
Cards are familiar and fast but usually carry higher prices. PayPal address verification or account limits can affect fulfillment.
Paper check or money order
These can receive cash-equivalent pricing but extend processing and shipping time. Track deadlines carefully because bullion orders are market transactions.
Cryptocurrency
Some dealers accept crypto. Compare the dealer’s conversion rate, network fee, settlement rules and refund policy rather than assuming crypto is automatically cheaper.
Compare current dealer terms
Dealer inventory and transaction terms can change faster than an editorial page. Open the relevant dealer pages and compare the complete checkout cost.
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