High ticket sizes and easy resale make precious-metals dealers a fraud and chargeback target, so mainstream banks decline them. Structure underwrites gold, silver, bullion and coin merchants with the tooling high-ticket sales need.
Precious metals check every box that makes a bank nervous: high average tickets, easily resold goods, and a fraud target painted on the back. A single disputed bullion order can cost a processor thousands, so mainstream banks decline the category rather than price the risk.
Structure Payments underwrites gold, silver, bullion and coin merchants with the fraud screening and dispute tooling high-ticket resale sales actually need.
The metals and collectibles categories mainstream banks decline.
The category is declined on ticket size and fraud exposure, not on how you run it.
Large transactions mean each dispute costs the processor more, so mainstream banks apply tighter scrutiny or decline outright.
Easily resold goods attract card fraud, and the payment stack has to screen for it rather than absorb the loss.
Buyer's remorse on a volatile-priced product raises disputes, so the vertical needs dispute tooling instead of an account that closes.
Some acquirers exclude high-ticket resale goods by blanket policy regardless of how a specific dealer operates.
High-value shipments need delivery confirmation and value checks, which underwriting has to support.
No drawn-out underwriting theatre. A real person, a real timeline, a real approval.
One short form and a quick document upload. Your dedicated rep reviews it the same day — no call-center runaround.
We match you to the right banking relationship and gateway for your industry, chargeback history and volume.
Credentials, gateway and cart integration go live. You're accepting cards — usually within about 48 hours of applying.
Yes. Gold, silver, bullion and coin dealers can be approved through a high-risk processor that underwrites high-ticket resale goods. Structure Payments approves them, usually within about 48 hours.
Because of high average tickets, easily resold inventory that attracts fraud, and price-driven chargebacks. That mix pushes the category outside mainstream underwriting.
Yes. High-ticket transactions are supported with the fraud screening and delivery-confirmation tooling that keep disputes and losses down.
We do everything possible to get you approved, and most merchants are processing within about 48 hours. No obligation to see your real rate.