Precious Metals & Bullion Cuenta Merchants & Procesamiento de Pagos
Expedio gives bullion dealers, coin shops, and precious metals retailers one stable account for high-value gold, silver, and platinum orders, with no sudden freezes and no low transaction caps. Wire and ACH for large orders, advanced fraud and 3-D Secure, AML-aware underwriting, and a dedicated account manager in English, Spanish, or Urdu. Powered by Netevia.
Why bullion dealers, coin shops, and precious metals retailers across the USA choose Expedio over aggregators and generic high-risk processors.
Approved in 24 Hours
Fast approval decisions with a complete, compliant file in place, not weeks of back-and-forth.
10+ Banking Relationships
Multiple acquirers mean more approval paths, so one decision cannot end your business.
No Sudden Freezes
Underwriting that expects high-value, card-not-present metals orders, so your funds are not held.
Advanced Fraud Protection
3-D Secure, AVS, CVV, device fingerprinting, and velocity rules sized for high-ticket resale goods.
Wire & ACH for Large Orders
Move high-value orders over bank rails to reduce card exposure and contracargo risk.
No Long-Term Contracts
Month-to-month, transparent pricing, and a dedicated manager in EN, ES, or UR.
What Is a Precious Metals & Bullion Cuenta Merchant?
It is a high-risk payment account built for dealers in gold, silver, and other precious metals, so it processes high-value, card-not-present orders without flagging your activity or freezing your funds.
Standard processors are built for small, everyday retail. When they see high-value bullion orders, liquid goods that are easy to resell, and heavy card-not-present volume, their automated systems read it as elevated fraud and money-laundering risk and freeze the account. That is why so many metals dealers are approved quickly, then shut down weeks later, often holding the funds from a single large order.
A precious metals Cuenta Merchant is placed with an acquiring bank that understands the model: high tickets, price that moves with the spot market, and the need for strong fraud controls and AML awareness. Pricing runs higher than plain retail and a reserve may apply, because the bank is pricing genuine risk, but in return you get stability, the right limits, layered fraud protection, and a processor that will not panic at a large legitimate order. For the wider picture, see our high risk Cuenta Merchants guide.
Precious Metals Businesses We Support
From a single coin shop to national bullion retailers, we place the metals businesses that mainstream processors decline.
Bullion Dealers
Gold, silver, platinum, and palladium bars and rounds sold online and in store.
Coin & Numismatic Dealers
Rare, collectible, and investment-grade coins with variable high tickets.
Refiners & Wholesalers
Refining and wholesale operations moving large-volume metals to trade buyers.
Precious Metals IRA
Facilitators placing metals into self-directed retirement accounts.
Investment Jewellers
Jewellers dealing in investment-grade metals and high-value pieces.
Online Metals Retailers
E-commerce stores shipping bullion and coins across multiple states.
Why Metals Accounts Get Frozen or Declined
It is rarely about whether your business is legitimate. It is about a model that generic processors were never built to understand.
High-value tickets
A single bullion order can dwarf a month of normal retail, tripping average-ticket alarms.
Price volatility
Spot prices move between order and settlement, which generic underwriting treats as instability.
Fraud target
Liquid, resellable goods attract card fraud and friendly fraud that raise contracargo exposure.
AML scrutiny
Metals sit under money-laundering rules that mainstream processors would rather avoid entirely.
Everything Your Metals Business Needs to Accept Payments
Built on Netevia's infrastructure, Expedio delivers the stability and fraud tools that mainstream processors refuse to offer bullion dealers.
No Sudden Freezes
Underwriting sized to high-value metals orders, so funds are not held after a large sale.
Advanced Fraud Suite
3-D Secure, AVS, CVV, device fingerprinting, and velocity rules tuned for resale goods.
Wire & ACH
Settle large orders over bank rails to reduce card exposure and dispute risk.
Secure Card on File
Tokenized card storage so repeat buyers reorder fast while their data stays protected.
High-Ticket Support
From a single coin to a large bullion order, your limits fit your real business.
Price-Lock Auth & Capture
Authorise at order and capture at settlement so pricing stays clean as the market moves.
contracargo Protection
Ethoca and Verifi pre-dispute alerts plus representment support on high-value disputes.
Payment Links & Hosted Checkout
Send secure links for phone orders or run a hosted, PCI-friendly online checkout.
Fraud, AML & Documentation, Handled
Precious metals sit under fraud and money-laundering rules, and your processor should support that, not ignore it. We set you up so your payment trail and defences are always ready.
Layered fraud controls
3-D Secure, AVS, CVV, device and velocity checks sized for high-ticket, card-not-present orders.
AML-aware onboarding
Placement with acquirers that expect KYC and AML programs on metals businesses.
Clear billing descriptors
A recognisable descriptor so buyers know the charge and dispute less.
Wire & ACH for large orders
Move high-value orders over bank rails to lower card and contracargo exposure.
Auth-and-capture controls
Handle price-lock and delayed settlement cleanly as the spot market moves.
funding el mismo dia
Open a Netevia banking account and receive qualifying sales the same day.
What You Need to Apply
A complete, consistent file is the single biggest factor in how fast you are approved. Have these ready before you start.
Government photo IDFor each business owner or principal on the application.
Business registration & any dealer licensesFormation documents plus any state precious-metals dealer licensing.
AML / KYC policyYour anti-money-laundering program or a summary of your customer verification process.
Voided check or bank letterTo verify the settlement account funds will deposit into.
3 to 6 months processing statementsIf you have processed before, showing volume, tickets, and disputes.
Compliant websiteA live site with terms, privacy, refund, and price-lock or order policy pages.
How Approval Works
From first call to processing, most of the timeline is preparation. Get the file right and the rest moves fast.
1
Quick consult
Tell us your average ticket, monthly volume, product mix, and any history of shutdowns. We tell you honestly if we can place you.
2
Application & compliance docs
ID, business and any dealer licensing, an AML summary, a voided check, and any processing statements.
3
Underwriting & bank match
We match you to an acquiring bank with real appetite for precious metals, out of 10+ relationships.
4
Live & processing
Gateway, fraud suite, and auth-and-capture configured, test payments run, and you are taking cards, commonly within 24 hours.
Pricing & Terms, Explained Honestly
High-risk pricing is higher than standard retail, and any processor who pretends otherwise is hiding something. Here is the full picture, all quoted in writing.
Element
What to expect
Processing rate
High risk, based on your volume and ticket mix
Per-transaction fee
Disclosed upfront, no surprises
Rolling reserve
Common on high-ticket metals; percentage and release schedule stated in writing
Expedio supports all major card networks plus bank-rail and remote payment tools, with no additional setup fees.
Card Payments
Card on File & Hosted Checkout
Wire / ACH
Visa
Mastercard
Amex
Discover
Wire Transfer
ACH / eCheck
Card on File
3-D Secure
Payment Links
Hosted Checkout
Virtual Terminal
Auth & Capture
Gateways, Integrations & Tools We Support
Online checkout, high-ticket gateways, and fraud tools. We provision the right setup for how your metals business actually sells.
Online / Web Checkout
High-Ticket Gateway
Wire & ACH
Fraud / 3-D Secure Suite
Card on File / Tokenization
Price-Lock Auth & Capture
Hosted Payment Pages
Payment Links
Virtual Terminal
API & Developer Tools
Gateway included with qualifying Cuenta Merchants. Integration assigned based on business type and volume.
Expedio vs Competitors: Precious Metals Servicios Merchant
Most processors were not built for high-value, liquid goods. See why metals dealers across the USA switch to Expedio.
Feature
Expedio Payments
PayPal
Stripe
Generic High-Risk
Precious metals account
Yes, category-aware
Restricted
Restricted
Sometimes
High-ticket bullion orders
Yes, disclosed limits
Capped
Capped
Varies
Advanced fraud & 3-D Secure
Yes, full suite
Basic
Yes
Varies
Wire & ACH for large orders
Yes, built in
No
Limited
Varies
No sudden freezes
Yes, stable underwriting
No
No
Varies
funding el mismo dia
Yes, via Netevia
No
No
No
Dedicated account manager
Yes, named contact
No
No
Rarely
Spanish & Urdu support
Native speakers
No
No
No
Powered by Netevia: 40,000+ Merchants Trust the Network
Expedio is an authorised Netevia partner. You get enterprise payments infrastructure with personal, concierge-level service.
Netevia
Authorised Partner
$15B
Annual volume
40K+
Active merchants
160+
Employees
FDIC
Insured $250K
Banking services provided by Sutton Bank, Member FDIC. Deposits FDIC-insured up to $250,000.
Precious Metals & Payments Terms, Explained
The language underwriters and processors use, in plain English, so you can navigate approval with confidence.
Bullion
Precious metal, usually gold or silver, valued by its weight and purity rather than as coinage.
Spot price
The current market price for immediate delivery of a metal, which moves throughout the trading day.
Price lock
Holding an agreed price for a buyer for a short window while the order and payment complete.
KYC / AML
Know Your Customer and anti-money-laundering checks that verify who a buyer is and flag suspicious activity.
Card-not-present (CNP)
A transaction where the card is not physically swiped, as with all online metals orders.
Friendly fraud
A real buyer disputing a legitimate charge, common with liquid, resellable goods.
Rolling reserve
A percentage of sales held temporarily to cover future contracargos, then released on a schedule. It is your money, not a fee.
contracargo ratio
Disputes divided by transactions in a month. Staying under roughly 0.9% keeps you clear of network monitoring.
We Speak Your Language
Expedio provides dedicated precious metals account managers in English, Spanish, and Urdu, so you can grow in the language you are most comfortable in.
English
Primary language
All precious metals and bullion Servicios Merchant, applications, onboarding, and support available in English, with a USA-based account manager.
South Asian precious metals and bullion business owners can work with Expedio entirely in Urdu. Pakistani and South Asian entrepreneurs are a community we serve.
Get Your Precious Metals or Bullion Cuenta Merchant Approved
Most accounts are approved within 24 hours once your file is complete. Complete the form and your dedicated account manager will call you back within one business day, in English, Spanish, or Urdu.
Approval in as little as 24 hours
No frozen funds or transaction caps
High-value bullion and coin orders on one account
Advanced fraud and 3-D Secure included
Dedicated account manager assigned immediately
Apply in Under 2 Minutes
Fill the form at the top of this page. Your account manager calls within one business day.
Bullion and coin dealers ask us these every day. Here are honest answers.
Metals are high-ticket and highly liquid, a single order can be worth tens of thousands, and most sales are card-not-present. That makes them a target for card fraud and friendly fraud, and they sit under money-laundering rules. That mix leads mainstream processors to cap, decline, or freeze metals dealers even when the business is fully legitimate.
Yes. With a high risk precious metals Cuenta Merchant you can accept credit and debit cards, wire, and ACH for high-value gold, silver, and coin orders, without the low caps and freezes standard processors impose on liquid goods.
We configure authorisation and capture so you can lock a price at order and capture at settlement. That keeps your pricing clean as the spot market moves, without re-running or splitting transactions.
A layered suite: 3-D Secure, AVS and CVV checks, device fingerprinting, velocity rules, and tokenized card-on-file. On high-value resale goods these controls are essential, and we tune them to your ticket sizes and order patterns.
Yes. For high-value orders, wire and ACH move funds over bank rails, which lowers card fees and contracargo exposure. Many metals dealers route their largest orders this way and keep cards for smaller tickets.
High risk pricing is higher than standard retail and a rolling reserve is common on high-ticket metals. Expedio quotes transparent interchange-plus pricing in writing, includes fraud and 3-D Secure, and rates typically improve as your account builds a clean history.
With a complete application, business and any dealer licensing, an AML summary, and any processing statements in place, approval commonly comes in as little as 24 hours. We work with 10 or more acquiring banks to find one with appetite for metals.
Often yes. Metals dealers are frequently terminated for the category and high tickets alone. Expedio specialises in placing legitimate, compliant dealers that were previously declined with banks that want the business.
This page is general information, not legal or financial advice. Precious metals sales are subject to card-network rules, anti-money-laundering regulation, and acquiring-bank underwriting, and terms, rates, reserve requirements, and limits vary by provider, volume, and location. Approval is subject to underwriting. Confirm current terms with Expedio and your acquiring bank.
Get Your Precious Metals or Bullion Cuenta Merchant Approved in 24 Hours
No long-term contracts. One account for high-value bullion, coins, and metals orders, from a team that understands the category.
