Upfront pricing. Honest reputation. Prompt delivery.

For over 35 years, American Rare Coin has proudly served customers from the same location in Bloomington, MN. Our expert team brings over 200 years of combined numismatic experience, specializing in creating a liquid market for gold, silver, rare coins, and currency. Thank you for trusting us with your business!

Order Policies and Procedures

An order is confirmed and binding for both parties when prices are locked in at the time a confirmed Sales Invoice number is issued to the Purchaser by a Coins Online representative. All purchases must be paid (as verified by postmark or initiation of a bank wire) within one bank business day of Coins Online’s confirming and binding Sales Invoice number. Purchases paid late may be adjusted to current market conditions.

All offerings are subject to withdrawal, prior sale, and price changes due to current market conditions and product availability.

• Coins Online reserves the right to have funds on account prior to locking in a purchase.
• Coins Online reserves the right to limit item quantities.
• Coins Online reserves the right to refuse any order deemed questionable or of significant risk to
  either party, regardless of payment method and price confirmation.
• Coins Online complies with all Cash Reporting requirements as outlined on form 8300. See IRS publication 1544 for more information: IRS Publication 1544.

The quality of the coins we deliver meets or exceeds industry standards. Coins Online buys coins and bullion from clients every day. Should you wish to sell your coins in the future, Coins Online will happily make an offer to purchase them.

Our goal is for you to be a fully satisfied customer.

Price Lock and Order Changes 

After you submit your order, kindly review your email for instructions on how to submit payment and obtain approval.

• During the checkout process, prices for payments made by Credit Card, Debit Card, ACH, and PayPal are finalized.
• Payments made by Bank Wire or Paper Check will receive submission instructions via email after checkout.
• Kindly be aware that pricing for all orders will only be locked and finalized once a confirmed Sales Invoice number is sent via email, confirming the final purchase amount.

Coins Online retains the authority to cancel any order in the event of inventory constraints or suspected fraudulent activity. Once pricing has been confirmed and a confirmation number has been issued, no changes, substitutions, or cancellations can be made. Failure to make the required payment for the purchase will result in the forfeiture of the deposit.

Payment Methods

Bank Wire

Wires must be transacted within one bank business day of placing your order. In most cases, we will ship your order within 1–3 business days after receipt of your wire. For in-office transactions, your product(s) will be available for delivery/pick up upon positive wire confirmation/receipt. If, due to market conditions, the shipping of your order is delayed, we will contact you with an estimated shipping date.

• Payments made by Wire require a card stored on account.
• In the event of non-payment or changes to a confirmed order, any fluctuations in the market price will be charged to your card on file.

Credit Card

For your safety and ours, Coins Online will ship products only to the customer’s credit card billing address. All credit card orders are reviewed on an order-by-order basis and will incur a convenience fee.

• At checkout, payments made by Credit or Debit Card will be subject to a surcharge of 4.75%, which will be added to the final purchase total, including any applicable shipping charges.

Paper Check

We will ship your order 10 bank business days after we deposit your check or money order.  If, due to market conditions, the shipping of your order is delayed we will contact you with an estimated shipping date.

• While American Rare Coin and Collectibles accepts Paper Checks up to $100,000, please note that paper check orders require a card on file.
• In the event of non-payment or changes to a confirmed order, any fluctuations in the market price will be charged to your card on file.

Cryptocurrency

We accept Bitcoin (BTC) for cryptocurrency payments. Please note that all cryptocurrency transactions must be completed within 15 minutes of placing your order to account for exchange rate volatility. A 2% processing fee applies to all cryptocurrency payments. Once your payment clears, your order will be added to our shipping queue. While most transactions clear instantly, some may be subject to manual review, which could cause slight delays.

• Ensure to include all applicable fees when sending payment to avoid processing delays.
• Avoid sending internal wallet transactions, as they can cause processing issues.
• In certain cases, ID verification may be required. If necessary, we will contact you after checkout.

ACH Through Plaid

For a convenient and secure payment option, we offer eCheck (ACH) payments through our partnership with Plaid, a leading financial services provider. This method allows you to make electronic payments directly from your bank account without any service charges for transactions up to $100,000. To use this service, you must have access to online banking, which is crucial for verifying your account information and ensuring the security of your purchase. During checkout, you will be directed to our eCheck system where you can select your bank and log in using your online banking credentials. Rest assured, your payment information is not collected, saved, or stored by us or Plaid. Please note that eCheck transactions typically require 7-10 days to clear before we can process your order