Payment Terms

     SPECIFIC TERMS FOR CARD PAYMENTS

1. PLEASE NOTE: Credit Card payments will not be accepted for Gold or Silver Bullion orders over £200.00 (Including the 3% surcharge) for UK customers (we may up this limit by prior arrangement for long established existing clients with a client history of 2 years +, but this is at the sole discretion of the directors).   If in doubt please feel free to call us before placing your order.

2. OVERSEAS CUSTOMERS - Unfortunately, due to problems we no longer accept credit card payments for any orders over £200.00 per order which is subject to one order only in the first 6 months of registration, and a maximum of £500.00 in any one year, if being shipped outside of the UK.  Due to postal restrictions, orders over £500.00 may require additional postage charges to cover insurance and sending orders in more than one parcel.  Customers will be notified for agreement before any order is processed. PLEASE NOTE: Debit card payments from overseas ARE treated as CREDIT CARD payments into the UK, so the 3% surcharge will still apply.

3. All card transactions will be put through an authorisation process.  This may involve a data verification check with our card processors who will refer to the relevant card issuer or a data checking company.

4. To comply with money laundering regulations, orders may require further evidence of identification, especially on Gold sales.

5. We totally reserve the right to decline any order where payment is to be made via debit/credit card, if we are not satisfied as to the validity of the transaction, or for any other reason as we deem necessary.  Details and reasons will not be disclosed as it is our sole right to refuse an order should we decide to do so.

6. Payment by CREDIT card WILL NOT under any circumstances be accepted for orders with a value exceeding £200.00 in one order, or £500.00 per customer/household in any 12 month period.  (for overseas clients see note 2 above).

7. We will also decline orders where credit card payments are split over several cards to circumvent our payment terms.  This includes single cardholders or multiple cards from the same address / household, or where we suspect an order is from the same source.

8. For all clients , DEBIT card payments will be accepted up to a maximum of £200.00 in any one transaction, and for those with a client history of less than six months and we reserve the right to limit further the amount of debit card payments within the first six months of dealing with us.  This will of course be reviewed on an individual basis as necessary.

9. Should a card payment be declined, we will require payment for that order via an alternative method eg. cheque or bank transfer.  We will not accept a different card as an alternative method, should the first be declined again unless you have a client history with us.