# Payment Policy

The following policies apply when you buy from us. Payouts when we buy from you are governed by our Payout Policy.

<table style="width:100%; border-collapse:collapse; font-size:8.5pt; line-height:1.18;">
    <thead>
        <tr>
            <th style="border:1px solid #333; padding:4px; text-align:left; width:17%;">Method</th>
            <th style="border:1px solid #333; padding:4px; text-align:left; width:20%;">Limit / Fee</th>
            <th style="border:1px solid #333; padding:4px; text-align:left; width:18%;">Processing / Hold</th>
            <th style="border:1px solid #333; padding:4px; text-align:left;">Key Restrictions / ID</th>
        </tr>
    </thead>
    <tbody>
        <tr>
            <td style="border:1px solid #333; padding:4px;"><strong>Precious Metals Trade-In</strong></td>
            <td style="border:1px solid #333; padding:4px;">No set limit. No fee.</td>
            <td style="border:1px solid #333; padding:4px;">Varies.</td>
            <td style="border:1px solid #333; padding:4px;">Credit applied after processing and verification. ID as required.</td>
        </tr>
        <tr>
            <td style="border:1px solid #333; padding:4px;"><strong>Cash</strong></td>
            <td style="border:1px solid #333; padding:4px;">$30,000 per transaction. 0.3% ($3 per $1,000), rounded to nearest $0.05; waived under $1,000.</td>
            <td style="border:1px solid #333; padding:4px;">Immediate.</td>
            <td style="border:1px solid #333; padding:4px;">Form 8300 rules apply over $10,000. We may decline any cash payment for AML, sanctions, fraud-prevention, customer-protection, elder-exploitation, compliance, or legal reasons. ID as required.</td>
        </tr>
        <tr>
            <td style="border:1px solid #333; padding:4px;"><strong>Zelle</strong></td>
            <td style="border:1px solid #333; padding:4px;">$10,000; your bank may impose lower limits. No fee.</td>
            <td style="border:1px solid #333; padding:4px;">Immediate after confirmed receipt.</td>
            <td style="border:1px solid #333; padding:4px;">Sender/account must be acceptable to us. ID as required.</td>
        </tr>
        <tr>
            <td style="border:1px solid #333; padding:4px;"><strong>Bank Wire</strong></td>
            <td style="border:1px solid #333; padding:4px;">No set limit. No fee.</td>
            <td style="border:1px solid #333; padding:4px;">Immediate after confirmed receipt.</td>
            <td style="border:1px solid #333; padding:4px;">Additional review may apply. ID as required.</td>
        </tr>
        <tr>
            <td style="border:1px solid #333; padding:4px;"><strong>Cashier's Check</strong></td>
            <td style="border:1px solid #333; padding:4px;">Chase: $100,000. Others: $50,000. No fee.</td>
            <td style="border:1px solid #333; padding:4px;">Chase: 2 banking days. Others: 5-7 banking days.</td>
            <td style="border:1px solid #333; padding:4px;">Issuer must be FDIC/NCUA insured with a branch in Broward or Palm Beach County. Checks $10,000 or less are treated as cash for Form 8300. ID required. Additional restrictions or requirements may apply to cashier's checks of any amount from any issuer.</td>
        </tr>
        <tr>
            <td style="border:1px solid #333; padding:4px;"><strong>Debit / Credit Card</strong></td>
            <td style="border:1px solid #333; padding:4px;">Temporarily suspended. 4.00% if accepted; may be higher for some cards.</td>
            <td style="border:1px solid #333; padding:4px;">Immediate if accepted.</td>
            <td style="border:1px solid #333; padding:4px;">Chip/tap required; U.S. bank-issued card only; no prepaid cards; processor restrictions may apply. ID required.</td>
        </tr>
        <tr>
            <td style="border:1px solid #333; padding:4px;"><strong>Digital Wallet</strong></td>
            <td style="border:1px solid #333; padding:4px;">Temporarily suspended. 4.00% if accepted; may be higher for some funding methods.</td>
            <td style="border:1px solid #333; padding:4px;">Immediate if accepted.</td>
            <td style="border:1px solid #333; padding:4px;">Funding source must otherwise be accepted under this policy. ID required.</td>
        </tr>
    </tbody>
</table>

Any accepted payment may require a government-issued photo ID in accordance with our AML, fraud prevention, and compliance procedures. In some cases, we may require a photocopy of your ID and payment instrument.

**We do not accept:** personal checks, business checks, certified checks, cryptocurrency, money orders, PayPal, Venmo, Cash App, Western Union, MoneyGram, traveler's checks, or foreign currency.