Payment method affects dealer cost, fraud risk, clearing time and chargeback exposure, so bullion dealers commonly price each method differently.
Bank wire
Wire pricing is often among the lowest, but transfers are generally difficult to reverse. Confirm the recipient details through the dealer’s official channel.
ACH or electronic check
ACH can be convenient but may involve holding periods while funds clear. Review order-lock and cancellation rules.
Credit card
Cards offer convenience and potential rewards but often carry higher product pricing. Financing a volatile asset at interest can compound risk.
Compare like with like
Do not compare a dealer’s wire price with another dealer’s card price. Use the payment route you will actually use.
Product availability and pricing move quickly. Use the links below to compare the same size, type and payment method.
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Sources and further reading
This page is educational and does not recommend a personalized allocation or promise that precious metals will rise in value.