Merchant Account for Gold And Silver Sales (Instant Approval)

The market for physical gold and silver has never been stronger as collectors and investors seek reliable stores of value. Yet volatile spot prices, compliance demands and chargeback risks can turn payment processing into a barrier. With 2Accept, you get a tailored merchant account for bullion sales and approval in as little as 48 hours to keep your cash flowing.

Secure a Dedicated Payment Solution for Your Precious‑Metals Business

Benefit from payment tools built for high‑value sales and risk management

• Instant Approval in 48 Hours
• ACH and eCheck Integration for Recurring Billing
• Advanced Fraud Screening on Every Transaction
• Support Team Specializing in Bullion Payments

This hero solution merges fast underwriting with automated fraud filters so you focus on buying, refining and selling bullion rather than payment issues.

Why Gold & Silver Merchants Are Classified High Risk

Mainstream gateways treat bullion dealers as high risk for clear reasons. Knowing these factors explains why you need a niche provider.

Price Volatility and Chargeback Risk

Daily swings in gold and silver values can prompt buyers to dispute a transaction after settlement when market prices drop. High order amounts multiply potential chargebacks.

Fraud Targets and Transaction Size

Bullion orders often exceed several thousand dollars. Fraudsters target high‑value online purchases where identity verification may be limited.

AML and KYC Requirements

Regulators require proof of metal sourcing, ongoing transaction monitoring and detailed customer checks. Failing to collect proper documentation can lead to fines or frozen accounts.

Settlement Delays and Reserve Policies

Generic processors impose holds or rolling reserves to cover possible disputes. That ties up capital you need for fresh inventory or business expenses.

Industry‑Specific Underwriting Criteria

Underwriting banks demand supplier invoices, assay certificates and a track record of sales. Only high‑risk specialists can underwrite bullion merchants at fair rates.

Elevate Your Bullion Sales with 2Accept’s Specialized Tools

Every feature in our platform addresses a core bullion‑payments challenge.

Instant Approval in 48 Hours

Complete your application and upload documents. Pass our automated checks and start accepting payments within two business days.

ACH and eCheck Integration for Recurring Billing

Enable customers to set up automatic payments for installment plans or membership programs. Our B2B ACH and eCheck services reduce per‑transaction fees and improve retention.

Automated Fraud Screening

Our rules engine and machine‑driven filters spot suspicious orders by comparing customer data, IP location and purchase history before settlement.

Dynamic Reserve Management

As your sales volume grows and chargebacks remain low, reserve requirements adjust downward so you access more funds faster.

PCI‑DSS Compliance and Reporting

We maintain industry‑standard security protocols. Detailed transaction reports, drill‑down analytics and customizable alerts keep you audit‑ready.

Types of Precious‑Metals Businesses We Serve

From single‑location coin shops to large refineries, 2Accept’s platform scales to your operation:

• Bullion Dealers and Retail Outlets
• Coin and Numismatic Specialty Shops
• Online Precious‑Metals Marketplaces
• Pawnshops and Scrap‑Metal Buyers
• Refineries and Melting Facilities
• Minting and Custom Coin Services
• Auction Houses Handling Bullion
• Jewelry Stores with Bullion Divisions

Flexible Payment Options for Gold & Silver Merchants

Choose the integration that best fits your sales channels and volume:

• Hosted Payment Pages branded to match your site
• API‑Driven Gateway for seamless custom checkouts
• Point‑of‑Sale Terminals optimized for in‑store bullion sales
• Batch Processing for high‑volume enterprise clients

Every solution includes a management dashboard displaying transaction summaries, settlement schedules and real‑time risk alerts.

What You Need to Apply for a Gold & Silver Merchant Account

Prepare these items to streamline underwriting:

• A valid business license or reseller permit covering bullion sales
• Supplier invoices or assay certificates proving metal sourcing
• Government‑issued photo ID for all principal owners
• Recent business bank statements and any existing processing history
• Federal Employer Identification Number or equivalent tax ID

Upload digital copies securely through our portal to avoid back‑and‑forth emails. That accelerates approval.

Get Instant Approval for Your Bullion Merchant Account

Our six‑step process is built to minimize delays and maximize clarity:

1. Complete the Online Application Form
2. Upload Required Documentation – Licenses, invoices, owner IDs
3. Verify Metal Source Credentials via our compliance checklist
4. Review and Sign Underwriting Agreement electronically
5. Configure Your Selected Integration – API, hosted pages or POS
6. Begin Processing – Start accepting gold and silver payments in 48 hours

A dedicated onboarding specialist guides you through each step to prevent any hold‑ups.

Why 2Accept Dominates Precious‑Metals Payment Processing

Our expertise and partnerships deliver unmatched service for bullion dealers.

Two Decades of High‑Risk Experience

Since 2005 we have specialized in underwriting challenging verticals. We know the data and documentation banks expect.

Network of U.S. and Global Acquirers

We partner with top acquiring banks to reduce costs and improve settlement times for domestic and international sales.

Bullion‑Focused Support Team

Our specialists understand metal markets and regulatory nuances. You get fast resolution when issues arise.

Compliance‑First Framework

We implement the latest AML, KYC and OFAC protocols. That protects your account from holds and ensures legal compliance.

Transparent Pricing and Reserve Policies

We disclose all fees up front. As your performance improves, reserve requirements decrease automatically.

Frequently Asked Questions

What defines a gold and silver merchant?

Any business that buys or sells physical gold bars, silver coins, bullion rounds or related products to end customers or institutions.

Which documents are required for approval?

You must submit a valid business license, proof of metal sourcing, owner photo IDs, recent bank statements and your tax identification details.

Do I need to form an LLC to qualify?

You can operate as a sole proprietorship, partnership, LLC or corporation. Underwriting evaluates your compliance and sales history rather than your legal entity type.

When will I receive settled funds?

Funds typically settle within two business days after transaction approval. Your acquiring bank’s policies determine exact timing.

Can I offer installment plans to customers?

Yes. Our ACH and eCheck integration supports recurring billing and installment payments to boost sales.

Let 2Accept Handle Your Precious‑Metals Payments Apply Now

Focus on sourcing and selling bullion. We’ll take care of payment acceptance, risk monitoring and compliance. Complete our simple online application and start processing gold and silver sales in just 48 hours.