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Available Payment Methods and Funding Options for Purchasing

We offer multiple payment options to accommodate different client preferences and timing needs. Understanding these options will help you choose the best method for your purchasing goals.

Instant Purchase Options

Method 1 Instant ACH via Plaid (Recommended for Immediate Purchases)

Best for: Clients who want immediate purchasing power AND the 4% discount

How it works:

  • Link your bank account securely through Plaid integration
  • Plaid automatically verifies your account (no manual verification needed)
  • Use this connection as payment method during checkout
  • Funds are pulled directly from your bank account at time of purchase

Important: Not all banks are compatible with Plaid. If your bank isn't supported, see pre-funding options below.

Method 2 Credit/Debit Card Payment

Best for: Clients who want to purchase immediately at current market prices

How it works:

  • Add your credit or debit card to your account
  • Complete purchase at checkout using your card
  • Note: You pay full market price (no discount available)

Pre-Funding Your Account Options

Please note for prefunding your account there is an additional processing time depending on the method. You are also required to have a verified account: What are the benefits of transitioning my account from "DELIVERY ONLY" to "VERIFIED" – GoldSilver.com Customer Support

Why Pre-Fund?

Pre-funding allows you to:

  • Keep a cash balance on your account for new purchase, shipping, or storage costs
  • Have funds ready for quick purchases during market opportunities

Pre-Funding Method 1: ACH Deposit

Processing time: 4 full business days after deposit date

How it works:

  1. Add your bank account to your trading account
  2. Via Plaid: Instant verification (recommended)
  3. Manual verification: Provide voided check or bank statement, then verify two micro deposits (appears within 24-48 hours)
  4. Initiate ACH deposit
  5. Wait for funds to clear (4 business days)
  6. Receive email notification when funds are available

Pre-Funding Method 2: Wire Transfer (Fastest)

Processing time: Same day to next business day

How it works:

  1. Contact us for wire transfer instructions or go to the FUND tab
  2. Initiate wire transfer through your bank (may incur a wire transfer fee with your bank)
  3. Funds typically available same day or next business day
  4. Receive email notification when funds are available

Pre-Funding Method 3: Mailed Check (Longest)

Processing time: 7 full business days after we receive your check

How it works:

  1. Mail check to our designated address
  2. We hold check for 7 full business days
  3. Receive email notification when funds are available