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 (Slowest)

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