Payment Terms

Upfront Pricing and Trusted Legacy

For more than 35 years, American Rare Coin and Collectibles has served collectors from the same location in Bloomington, Minnesota, building one of the most respected reputations in the precious metals community. Since 1989, ARCC has earned national recognition for its expertise, transparency, and long-standing relationships with collectors, estates, and institutions.

As part of this legacy, Coins Online’s order policies and procedures uphold the same standards of honesty, precision, and collector trust. We believe in clarity, secure payment handling, and reliable fulfillment with every transaction.

Our mission is simple: to make collecting precious metals and rare coins clear, transparent, and rewarding without the noise, gimmicks, or hype often found elsewhere. Whether you’re acquiring gold, silver, or certified collectibles, you can expect the same commitment to clarity, prompt fulfillment, and genuine expertise that has defined American Rare Coin and Collectibles since 1989.

For more collector education, explore our How to Buy Physical Gold Guide or learn about Gold Scam Prevention and Metals Security

Coins Online Order Policies and Procedures

At Coins Online, every transaction begins with transparency and ends with confidence. Our order policies and procedures define the standards that ensure fair pricing, secure payment, and accurate fulfillment for every collector. These policies reflect the same principles of integrity that have guided American Rare Coin and Collectibles since 1989, extending that legacy into a modern, education-driven online experience.

You can also visit our Legacy Gold Guide to understand how consistent standards of clarity and authenticity protect your long-term collection.

Order Confirmation and Binding Agreement

An order becomes confirmed and legally binding for both parties once a Sales Invoice number has been issued by a Coins Online representative. This process is central to our order policies and procedures, ensuring your pricing is locked in based on the live market rate for gold, silver, or collectible coins at the time of confirmation.

To maintain fair market integrity:

• All purchases must be paid (as verified by bank wire timestamp or ACH initiation) within one bank business day of receiving your confirmed Sales Invoice.
• Late payments may result in pricing adjustments to match current market conditions, ensuring accurate fulfillment for all parties.

Because your security is as important as your satisfaction, Coins Online may initiate a courtesy verification call before locking in an order; especially for high-value or first-time transactions. This safeguard helps confirm intent, prevent fraud, and maintain your confidence in every purchase.

Market Risk Acknowledgment

By placing an order with Coins Online, you acknowledge and accept the terms outlined in our order policies and procedures. Precious metals and collectibles trade in a global marketplace that changes constantly, and market values may fluctuate after your purchase is confirmed.

Once prices are locked, Coins Online cannot modify, cancel, or refund any order. This policy ensures consistency, fairness, and transparency for every collector. For those who wish to rebalance or sell holdings, American Rare Coin and Collectibles provides a trusted and optional liquidity channel for secure resale or estate evaluation.

This structure protects both customers and suppliers by maintaining transparent, stable pricing and responsible market practices across the collector community.

All offers are subject to:

• Prior sale and product availability
• Market volatility and real-time price adjustments
• Quantity limits per order or customer
• Refusal or cancellation of orders deemed high-risk or inconsistent with security standards

Coins Online reserves the right to require funds on account before locking a purchase, in order to maintain compliance with market hedging and inventory control.

Regulatory Compliance and Integrity

Coins Online complies with all federal cash reporting requirements under IRS Form 8300. For more information, see IRS Publication 1544.

Our pricing, product descriptions, and fulfillment practices meet or exceed industry standards established by leading numismatic and bullion authorities. Every coin, bar, or collectible we deliver is carefully reviewed for authenticity, quality, and condition before shipment.

Commitment to Fair Dealing

Coins Online buys and sells precious metals daily, ensuring a truly liquid marketplace for collectors. Should you wish to sell your holdings in the future, we will gladly make an offer or facilitate your transaction directly through our trusted partner, American Rare Coin and Collectibles.

Our guiding principle remains unchanged: to ensure your complete satisfaction through clear communication, verified authenticity, and prompt, professional service.

Price Lock and Order Changes

At Coins Online, pricing integrity is at the heart of every order. Because precious metals trade in a constantly moving market, your price is locked and finalized only after confirmation. This ensures you receive the exact rate quoted at the moment your Sales Invoice is issued: no hidden adjustments, no last-minute changes.

How the Price Lock Works

After you place your order, you’ll receive a confirmation email detailing how to submit your payment. Once issued, your Sales Invoice number represents your locked market price for that specific purchase.

Payment instructions are clearly provided for each payment type:

• Credit Card, Debit Card, PayPal: Pricing is finalized at checkout.
• Bank Wire: Pricing is locked once your Sales Invoice number is issued and payment is confirmed.

For your protection, Coins Online may provide a courtesy verification call before finalizing the lock-in process. This step confirms transaction details, reduces the risk of unauthorized activity, and ensures every collector feels secure before pricing is fixed.

When Orders Become Final

Once a Sales Invoice number has been issued, the order becomes binding and non-cancellable. At that point:

• No substitutions, modifications, or cancellations can be made.
• Failure to make timely payment results in forfeiture of any deposit and possible market-loss charges.
• Coins Online reserves the right to cancel any order in the event of suspected fraud, incomplete payment, or inventory limitations.

If an order is voluntarily cancelled or payment is not received within the required timeframe, a restocking fee of 5% to 15% of the order’s total value may be charged. This fee covers administrative, hedging, and fulfillment costs incurred during processing.

Why This Policy Protects Collectors

Locking in your price immediately safeguards you from market swings; both up and down. Once confirmed, your metals are secured at the same live rate used for your invoice, providing certainty in a dynamic marketplace.

This policy mirrors professional standards followed by reputable bullion and numismatic dealers worldwide and reflects the principles of fairness, clarity, and accountability that American Rare Coin and Collectibles has upheld since 1989.

Payment Methods

At Coins Online, secure and transparent payment is the foundation of every order. We offer a carefully selected range of payment methods designed for accuracy, accountability, and peace of mind. Every transaction is handled with precision and professionalism to protect your confidence as a collector.

Bank Wire

Bank wire payments offer a fast and reliable way to confirm funds and finalize your purchase. Funds must be transacted within one bank business day of placing your order. Orders typically ship within one to three business days after your wire is received. For in-office transactions, your products will be available for pickup once the wire has been confirmed.

If market conditions delay shipping, Coins Online will notify you with an updated estimate. Coins Online reserves the right to recalculate the final purchase price if a wire payment is not received within the required timeframe or if significant market fluctuations occur between the time of order and receipt of payment.

For your protection, Coins Online may place a courtesy verification call before confirming your wire instructions or locking your order. This step ensures both security and accuracy before finalizing your transaction.

Credit or Debit Card

Coins Online accepts all major credit and debit cards. To maintain the highest level of transaction security, products will only be shipped to the billing address associated with your card. All card orders are reviewed individually for fraud prevention and account verification.

At checkout, payments made by credit or debit card will incur a 4.75 percent convenience fee. This fee applies to the total purchase value, including any applicable shipping charges.

Pricing is locked in immediately at checkout. Please allow three to five business days for the transaction to fully process before shipment. This timeframe allows for bank clearance and verification, ensuring complete accuracy before delivery.

This process protects both the collector and Coins Online by confirming every transaction before release, maintaining full transparency and order integrity.

Cryptocurrency (Bitcoin)

Coins Online accepts Bitcoin (BTC) for approved transactions, offering an efficient and secure alternative payment method. All cryptocurrency transactions must be completed within fifteen minutes of placing your order to account for exchange rate volatility. A 2 percent processing fee applies to all Bitcoin payments. Once cleared, your order will be queued for shipping.

Be sure to include all applicable fees when sending payment to prevent processing delays. Avoid internal wallet transactions, as they can cause system errors or manual verification requirements. In certain cases, Coins Online may request ID verification to confirm payment authenticity. You will be contacted if additional verification is required.

Bitcoin payments combine speed and privacy while maintaining full accountability and compliance with our internal standards.

Our Payment Integrity Promise

Every Coins Online payment option is structured for speed, precision, and collector protection. Whether paying by bank wire, credit or debit card, or cryptocurrency, you can expect professional communication, secure processing, and complete transparency from start to finish. Coins Online takes every precaution to safeguard your order and maintain the integrity of every transaction, ensuring a consistent, professional experience for every collector.experience for every collector.clear before we can process your order.

Return and Buy Back Policy | Coins Online Order Procedures

Every transaction at Coins Online is protected by our clear order policies and procedures, ensuring consistent, transparent pricing from start to finish. Because all purchases are tied to live market rates, all sales are final once confirmed. This approach provides fairness, accuracy, and price stability for every collector.

For collectors who wish to learn more about maintaining liquidity or managing their collection responsibly, visit our partner page for American Rare Coin and Collectibles or explore our Legacy Gold Guide.

Why All Sales Are Final

When you confirm a purchase through Coins Online, your price is locked instantly to the current market rate for gold, silver, platinum, or collectible coins. That price lock protects you from short-term volatility and ensures accuracy on both sides of the transaction.

However, it also commits Coins Online to securing your metals or collectibles at that exact market rate. Because of this structure:

• Orders cannot be cancelled, refunded, or exchanged once submitted.
• Market movement after checkout—up or down—does not change your confirmed price.
• Confirmed transactions are final, binding, and fulfilled as agreed.

This approach reflects standard practices used by professional bullion and numismatic dealers worldwide. It protects every collector by maintaining fairness, price consistency, and order integrity, even in a rapidly changing market.

Commitment to Transparency

Coins Online’s pricing and order process are fully transparent from start to finish. Your checkout price is the locked total at the moment your order is confirmed. This eliminates uncertainty and prevents discrepancies that can occur when market values shift during payment processing.

Our system ensures all collectors receive equal treatment under real market conditions—never subject to hidden fees or after-the-fact adjustments. The result is a consistent, trusted buying experience built on honesty and accountability.

Sell Back and Liquidity Through American Rare Coin and Collectibles

While Coins Online does not accept returns or cancellations, we understand that collectors may wish to rebalance or sell parts of their collection over time. To make that process simple and secure, we’ve partnered with American Rare Coin and Collectibles, a nationally respected dealer and trusted liquidity partner. Through American Rare Coin and Collectibles, you can:

• Sell back coins or bullion originally purchased through Coins Online
• Sell other precious metals or collectibles from your collection
• Submit estates or holdings for evaluation, authentication, and purchase

How it works:

1. Visit American Rare Coin and Collectibles to initiate your sale.
2. Provide item details, photos, or certificates if available.
3. Their experts will evaluate your items based on product type, condition, and current market conditions.
4. You will receive a competitive, fair-market offer and direct payment through American Rare Coin and Collectibles.

This partnership provides you with a clear, transparent, and trusted path to liquidity—allowing you to buy and sell with confidence while preserving the integrity of your original purchases.

Our Commitment to Collectors

Coins Online is dedicated to ensuring every client experiences honesty, accuracy, and professionalism from order to delivery. Our all-sales-final policy is not a limitation—it’s a promise of pricing integrity. By operating with real-time pricing and transparent fulfillment, we guarantee that your order is treated with the same fairness and respect that define our reputation.

When you are ready to sell or expand your collection, you have the security of working with a trusted partner who shares our same commitment to transparency and collector care.

Contact Us

For general support or order questions, please contact:
Email: info@coinsonline.com

For direct buy back or estate sales, please visit
American Rare Coin and Collectibles