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USBCR Accepted Payment Methods & Payment Hold Times

 

Personal Checks

USBCR accepts personal checks from US Banks ONLY!!!  When a personal check is applied to a invoice the payment hold time is 10 calendar days.  This payment hold is to make certain the funds clear with the depositing bank. Invoices paid with a personal check can ship to any address of the client’s choice within the US, excluding Minnesota.

Example: Check payment is applied to a order on 1/1/2019, the payment hold clears on 1/11/2019.  When the payment hold clears the order is eligible for shipment.

 

Money Orders/Cashier’s Checks

USBCR accepts Money Orders and Cashiers Checks from US Banks ONLY!!!  When a Money Order and/or Cashier Check is applied to a invoice the payment hold time is 10 calendar days.  This payment hold is to make certain the funds clear with the depositing bank and the depositing instrument is not fraudulent.  Invoices paid with a Money Order and/or Cashier Check can ship to any address of the client’s choice within the US, excluding Minnesota.

Example: Money Order/Cashiers Check payment is applied to a order on 1/1/2019, the payment hold clears on 1/11/2019.  When the payment hold clears the order is eligible for shipment.

 

Credit Cards

USBCR accepts credit card payments.  When a credit card(s) pre-capture and the payment is applied to a invoice, the payment hold time is 2 business days.  This payment hold is to validate that the client is authenticated through USBCR’s fraudulent authentication.  Invoices paid with a credit card(s) must ship to the billing address.  The only exception to this rule is when there is a verified and repeat client that has used the same credit card multiple times (more than 4 transactions) with no issues of chargebacks, shipment issues, or fraud.  No credit card shipments can process or ship to Minnesota.

Fraudulent authentication for USBCR consists of using two online address/phone number verification search engines to confirm that the client and the clients address and phone number match.  If the address and phone number do not verify, the sales executive or sales manager can reach out to the customer to inquire as to what the client’s prior address was in hopes of obtaining a match.  If USBCR is unable to obtain a 100% verified match, the order will not be processed or shipped under any circumstance.  This verification step is required in effort of reducing credit card chargebacks and fraud.

Example: Credit card payment is applied to a order on Monday, 1/1/2019, the payment hold clears on Wednesday 1/3/2019.  When the payment hold clears the order is eligible for shipment.

 

ACH (Automated Clearing House)

USBCR accepts ACH/Check by Phone payments.  When a ACH payment is applied to a invoice, the payment hold time is 10 calendar days.  This payment hold is to validate that the client is authenticated through USBCR’s fraudulent authentication process.  Invoices paid with ACH can ship to any address of the client’s choice within the US, excluding Minnesota once cleared through the fraud authentication process.

 

Fraudulent authentication for USBCR consists of using two online address/phone number verification search engines to confirm that the client and the clients address and phone number match.  If the address and phone number do not verify, the sales executive or sales manager can reach out to the customer to inquire as to what the client’s prior address was in hopes of obtaining a match.  If USBCR is unable to obtain a 100% verified match, the order will not be processed or shipped under any circumstance.  This verification step is required in effort of reducing fraud.

 

Example: ACH payment is applied to a order on 1/1/2019, the payment hold clears on 1/11/2019.  When the payment hold clears the order is eligible for shipment.

Bank Wires

USBCR accepts bank wires from US Banks ONLY!!!  When a bank wire is applied to a invoice the payment hold time is 2 calendar days.  This payment hold is to make certain the funds process fully with the wiring bank. Invoices paid with a bank wire can ship to any address of the client’s choice within the US, excluding Minnesota.

Example: Bank wire payment is applied to a order on Monday, 1/1/2019, the payment hold clears on Wednesday 1/3/2019.  When the payment hold clears the order is eligible for shipment.

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