Payment FAQs

How long do I have to pay for my order?

All orders must be fully paid with cleared funds by 4:00 PM Adelaide time on the second Business Day counted from the Order Day (Monday–Friday, excluding South Australian public holidays).

Order Day means:

  • the Business Day the order is placed, if the order is placed before 4:00 PM Adelaide time; or
  • the next Business Day, if the order is placed after 4:00 PM or on a non-Business Day (weekend/public holiday).

Payments received after this deadline are considered late and may result in cancellation and loss of allocation.

What happens if I pay late?

If cleared payment is received after the payment deadline:

  • Your original stock allocation may be sold or reassigned.
  • The ETA listed on your invoice may no longer apply.
  • For bullion line items, under our Terms (Section 3.2), a Market Loss Policy (MLP) and $50 administrative fee may apply.

I’m an international customer, how can I pay by bank transfer?

We strongly recommend using Wise for international transfers. It simplifies the process and helps significantly reduce fees on the sender’s side. Due to it’s popularity, we have our own dedicated Wise link for receiving international transfers. To ensure no unnecessary delays, please ensure to quote your order number or send us a message to let us know you’ve paid.

To pay using Wise, you can click here.

If you’d prefer not to use Wise, you can pay using the bank details provided in the automated invoice you’ll receive when placing your order.

How do I know my payment was received?

We have an automated system in place to match orders with payments received in our account. However, there may be occasions when the system doesn’t capture a payment. To prevent any delays and ensure smooth processing, we recommend that you send us a screenshot of your remittance to info@the-coin-chest.com.

Please include your order number only as the reference. This will help us manually reconcile any missed payments promptly. You’ll receive a payment confirmation email once funds are verified in our system. Bank transfers can take 1 business day to clear depending on the sending bank.

If you haven’t received confirmation after 2 business days, contact us with your payment receipt.

What are your accepted payment methods?

  • Direct Bank Transfer (EFT) – preferred for all orders.
  • International Payments – use our dedicated Wise link.
  • Afterpay – payment fee applicable on bullion line items
  • MasterCard / Debit Card – payment fee applicable on bullion line items
  • PayPal – payment fee applicable on bullion line items

Why was my order cancelled or delayed?

Orders may be delayed or cancelled if:

  • Payment was not received within the 2-business-day window.
  • You did not contact us before the payment window expired.

Can I extend the payment window?

Extensions may be granted only by prior written agreement. Contact us before placing large or multiple allocations if you require dealer or extended terms.

What if my payment clears late due to bank processing?

Bank processing delays do not extend the payment deadline. Payment must be received and cleared by 4:00 PM Adelaide time on the second Business Day counted from the Order Day, regardless of when it was sent.

We strongly recommend using instant methods (OSKO, PayID, Wise) to secure your allocation.

What if I pay on a Weekend?

Orders placed on weekends or South Australian public holidays are treated as placed on the next Business Day (this becomes the Order Day). Payment is then due by 4:00 PM Adelaide time on the second Business Day counted from that Order Day.

What if I make payment after my order was cancelled?

Payments received after an order has been cancelled are treated as invalid, as stock and pricing are no longer reserved beyond the payment deadline of 4:00 PM Adelaide time on the second Business Day.

In these cases:

  • The order will not be reinstated, even if the payment appears in our account(s).
  • A refund will be issued automatically within 5 business days.
  • For bullion items, a Market Loss Adjustment and $50 administrative fee may apply in accordance with our Terms (Section 3.2).

To avoid this, please ensure payment clears within the two-business-day window or contact us before it expires to arrange an extension.

Where can I find your full Terms?

You can read our full Terms & Conditions here — Sections 1.5 and 3.2 cover payment and late-payment policies in detail.