Collectibles & high ticket
Coins & Precious Metals merchant accounts, placed with banks that write the category.
Needs a bank that writes the category on purpose. Roughly 5–10 business days, a dedicated gateway, and usually a reserve.
The underwriting objection
Why banks flinch at this category.
Bullion is a large-ticket, highly liquid, easily resold product — which is exactly what card fraud looks for. A single fraudulent order can exceed a month of profit, and price volatility means refund disputes arrive when spot moves against the buyer. Banks are protecting against fraud severity more than dispute frequency.
Recommended setup
- Gateway
- High-risk gateway with manual-review queue and vault
- Settlement rail
- ACH/wire for large orders, card for smaller ones
- Reserve expectation
- Rolling reserve common; often reduced when ACH share is high
- Equipment
- Hosted checkout, virtual terminal for phone orders, terminal for the shop counter
What we actually do
How we get this file boarded and keep it boarded.
Specific to your category — not a generic high-risk brochure.
Fraud screening tuned for high tickets: AVS and CVV enforced, BIN velocity limits, manual review over a threshold you set
Wire and ACH offered as the preferred rail on large orders, with card kept for smaller tickets
Price-lock and cancellation policy documented so volatility disputes have an answer
Delivery confirmation with signature and insurance logged as representment evidence
The process
Four steps, no mystery.
For coins & precious metals, the honest window is: 7–10 business days.
- 1
Call or send the form
Fifteen minutes. We confirm the category is one we can place and tell you which documents matter for your file specifically.
- 2
Document package
You gather statements, IDs and any category paperwork. This is the step that decides your timeline — a complete package moves fast.
- 3
Multi-bank submission
We submit to the banks that write your category, in the order most likely to approve on the best terms. Declines get diagnosed, not repeated.
- 4
Board and monitor
Gateway configured, equipment shipped or checkout integrated, chargeback alerts on. Then we watch your ratio and go back for better terms once history proves out.
Accounts placed through our processor and banking network
Free statement analysis
Get a coins & precious metals account underwritten properly.
One application, submitted to the banks that write your category. If your current account is frozen or at risk, tell us on the form and we will work speed first.
Terrab Solutions is a registered agent/ISO partner. Rates and approval subject to underwriting. Estimates are not a binding quote.
Straight answers
Coins & precious metals questions
7–10 business days
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