Payment Methods
Accepted payment methods on CoinDuffle — credit cards, ACH bank transfers, and wire transfers, with details on fees and when to use each.
Payment Methods
CoinDuffle accepts multiple payment methods to give you flexibility based on your order size and preferences. All payments are processed securely through Stripe, a PCI-compliant payment processor trusted by millions of businesses.
Credit and Debit Cards
The most convenient option for most purchases.
Accepted Cards
- Visa
- Mastercard
- American Express
- Discover
How It Works
Enter your card details at checkout — card number, expiration date, CVC, and billing address. You can also save your card for faster checkout on future orders.
Key Details
| Feature | Detail |
|---|---|
| Processing time | Instant authorization |
| Order limit | Varies by card issuer |
| Best for | Smaller to mid-size orders |
| Convenience | Highest — most familiar payment method |
Tips
- Use a card with rewards — Since you're paying the same price regardless, you might as well earn points or cash back.
- Check your daily limit — Some banks set daily spending limits on debit cards. If you're making a large purchase, ensure your limit is high enough or contact your bank in advance.
- Billing address must match — For fraud prevention, the billing address you enter at checkout must match the address on file with your card issuer.
ACH Bank Transfer
A great option for larger orders, with lower processing fees.
How It Works
ACH (Automated Clearing House) transfers pull funds directly from your US bank account. When a seller offers ACH as a payment option, you'll be provided with their bank details at checkout so you can initiate the transfer from your bank. Note: ACH payments are sent directly to the seller's bank account — they do not flow through Stripe or CoinDuffle.
Key Details
| Feature | Detail |
|---|---|
| Processing time | 3–5 business days for funds to clear |
| Order limit | Higher limits than credit cards |
| Best for | Larger orders where you want to minimize fees |
| Savings | Lower processing fees compared to credit cards |
Tips
- Plan ahead — Since ACH transfers take a few business days to clear, your order won't be shipped until the payment is confirmed. If you need your items quickly, a credit card may be a better choice.
- Verify your bank details — Double-check your routing and account numbers before submitting. Incorrect details will cause the transfer to fail and delay your order.
- Ensure sufficient funds — Make sure your bank account has enough funds to cover the purchase. Failed ACH transfers may incur a fee.
Wire Transfer
The preferred method for high-value orders.
How It Works
Wire transfers send funds directly from your bank to the seller's bank account. After selecting wire transfer at checkout, you'll receive wire instructions (bank name, routing number, account number, and reference number) via email. You then initiate the wire from your bank, either online or in person at a branch. Note: Like ACH, wire transfer payments go directly to the seller — they do not flow through Stripe or CoinDuffle.
Key Details
| Feature | Detail |
|---|---|
| Processing time | Typically 1 business day (domestic) |
| Order limit | Highest limits — ideal for large purchases |
| Best for | Orders over $5,000 or when your card limits are too low |
| Bank fee | Your bank may charge a wire transfer fee (typically $15–$30) |
Tips
- Include the reference number — Always include the reference number provided in the wire instructions. This is how we match your payment to your order.
- Wire from your own account — For security and regulatory reasons, the wire must come from an account in your name.
- Check with your bank — Wire transfer procedures and fees vary by bank. Some banks require you to visit a branch in person to initiate a wire.
- Same-day processing — If you initiate the wire early in the business day, funds typically arrive the same day or next business day.
Choosing the Right Payment Method
Here's a quick comparison to help you decide:
| Factor | Credit/Debit Card | ACH Transfer | Wire Transfer |
|---|---|---|---|
| Speed | Instant | 3–5 business days | 1 business day |
| Convenience | Very easy | Easy | Requires bank coordination |
| Best order size | Under $2,000 | $500 – $10,000 | Over $5,000 |
| Processing fees | Standard | Lower | Lowest (but bank may charge) |
| Shipping delay | None | Until payment clears | Minimal |
Payment Security
Regardless of which payment method you choose, your financial information is secure:
- Stripe handles all payment processing — CoinDuffle never sees or stores your full card number or bank credentials.
- PCI DSS Level 1 compliance — Stripe meets the highest level of payment security standards.
- Encrypted connections — All payment data is transmitted over HTTPS with TLS encryption.
- Fraud monitoring — Every transaction is monitored for suspicious activity.
For more on security, see Secure Transactions.