Payment FAQ

Paying for Gold and Silver?

We cover payment options and related questions both for online and showroom purchases.

Our other popular FAQ pages offer answers on buying gold and silver and explain our new DigitAul services; whilst common questions about how to pay for gold and our delivery schedule can be found via our FAQ hub page. 

Chards Coin And Bullion Dealer Silver Coins Payment

Pay With Debit or Credit Card?

We accept online payments using debit cards up to the value of £10,000 per transaction; we have this lower limit as we are charged a percentage to transact debit cards which on high value deals can erode already tight profit margins. We could raise prices to cover this cost but we would like to be transparent and request higher value deals are transacted via bank transfer (BACS). We no longer accept credit cards, please see our blog as to why we say no to credit cards!!

What Are Your Other Payment Options? 

Aside from debit cards we offer the following:

  • Bank Transfer (BACS)
    • Bank transfer payments must be made immediately following completion of your order and failure to do so may result in the prices being recalculated and an administration fee being charged. Please use your name as a reference as we often receive payments for similar amounts.

    • Please note that orders paid via bank transfer will never be despatched on the same working day due to the high risk of fraud.

  • Cash
    • As a HMRC registered high value dealer we are approved to accept cash up to any value for transactions carried out in our showroom.

    • Please note cash transactions trigger due diligence checks and we reserve the right to ask for identification.

  • Cheque
    • Cheques must be posted first class the same day you place your order. Failure to do so may result in the prices being recalculated and an administration fee being charged.

    • We allow a minimum of eight working days for UK cheques to clear and six weeks for cheques drawn on an overseas bank.

What is 3D Secure/Authentication?

This is an extra level of security offered during an online card transaction and if your bank triggers this check you must pass successfully, otherwise we cannot accept the transaction. We do this to protect everybody from criminal activity and fraud. Initially introduced by Visa under the name of Verified by Visa, 3-D Secure has also been adopted by MasterCard as MasterCard SecureCode. This program has been adopted across the world by many leading banking and financial institutions. . 

Why Is My Payment Not Going Through?

There can be many reasons for an online payment to fail. These can be account issues with your bank, technical issues with Sagepay (our payment gateway) or even user error. We have several checks in place and ask customers to enter their address details exactly as it appears on the bank statement or better still find the address via our post code lookup tool. If you get persistent issues, please contact us on 01253 343081 .

Can Someone Pay on My Behalf?

Unfortunately, we do not accept 3rd party payments. All orders must be in the name of the person paying. 

Which Currencies Do You Accept?

We accept Sterling, US Dollars and Euros. For more information, please read our payment and identification page.

Do You Accept Bitcoin?

We currently do not accept Bitcoin. However, if this is of an interest to you please let us know.

Can I Pay Using My Digital Metal Account?

If you have a positive balance on your DigitAul account, this can be used as a payment on any product or service we offer.

How Do You Calculate an Exchange Rate?

We use the live exchange rate then factor in costs and a small % for foreign exchange exposure. The final cacluated rate is then published on product pages in the buy widget or our staff can quote you the rate on the phone.

Why Do I Need to Provide Identification?

We are required under UK law to keep identification on file - please see our identification page for more information.

More Helpful FAQ Pages

Investing In Gold 

Investing In Silver 

Buying From Chards

Selling to Chards

Delivery Of Your Bullion

DigitAul And Storage Services 

Coin Grading & Appraisal

Key Terms & Phrases