Payment Options

  • Payment Clearing Periods:

Payment MethodExisting ClientsNew Clients

Interac Online Debit

5 Business Days

5-10 Business Days

E-transfer

No Hold Period

5-10 Business Days

Bill Payment

No Hold Period

5-10 Business Days

Wire Transfer

1 Business Day

1 Business Day

Bank Draft/Certified Check

21 Business Days

21 Business Days

Personal Cheque

21 Business Days

30+ Business Days

UnionPay*

No Hold Period*

No Hold Period*

** Union Pay is currently only available for in-store purchases.

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Please note that e-transfers from Tangerine will be on hold for 2 additional business days. 

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In order to avoid perceived fraudulent activity, Toronto Gold Bullion Inc. reserves the right to apply additional hold periods at its own sole discretion. 

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The following payment options are accepted at Toronto Gold Bullion Inc.

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UnionPay

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You can use UnionPay card in store. There is 5 business days hold period for in store UnionPay payments.

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Cash

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You can pay cash in store. If you want to order online first and come to the store to pay cash, you must do so on the same day. If you place an order online, you are obligated to pay for it even if you do not meet your obligation to pay the same day.

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Debit

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You can pay with your debit card in store, there is no hold period for in store debit payments. 

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Interac Online Debit

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You can pay online by selecting the option for Interac Online Debit. This type of payment is made at the time you are placing your order. This is a very safe way to make payments online, which will take you directly to your financial instituton's login page. There is a clearing time of 2-4 business days. 

 

*Visa Debit cards do not work with Interac Online Debit

Bill payment:

 
Eligible Banks: CIBC, Simplii Financial, Scotiabank, Tangerine, Bank of Montreal, Royal Bank of Canada, ATB, Credit Unions under Central 1*  

  • Login to online or mobile banking at a participating financial institution and select to send a bill payment and add us as a payee: Toronto Gold Bullion Inc.  
  • Select payee name: Toronto Gold Bullion Inc. 
  • Input Account Number: 12 digit customer number on your sales order confirmation 

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Clearing time time for bill payments is 5 business days

*For credit unions, you will need to call you finanancial institute and request they add us

Email Money Transfer (Interac e-Transfer)

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If you want to pay by email money transfer, your payment needs to be sent at the same time as placing your order. Please send your EMT promptly, if you have a limit on how much you can send per day, and your order is larger than the limit, you can send multiple payments. There is a clearing time of 10 business days for some email money transfers sent by new clients. There is no clearing time for existing clients*.

There may be a limit on the amount you are allowed to transfer per day, if you have reached the limit, you can send the remaining balances the following day.

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Wire Transfer

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This is the preferred method of payment for larger orders. Wire transfers have the fastest clearing time of all payment types. If you select wire transfer as your payment option, we will email you our bank account details for you to make a wire transfer. In some cases, if you pay for your order with a wire transfer, you will receive a coupon for future discounts. The clearing time for local CAD wire transfers is only 1 business day. Foreign currencies and foreign jurisdictions may vary.

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Certified Check, Bank Draft and Money Order

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There may be a hold period for payments of Certified Check, Bank Draft and Money Order. The clearing time varies depending on what financial institution your funds are drawn from, how many times you have done business with us in the past, the duration of time you have had a business relationship with us, and the amount of your transaction. Please contact us to find out how long your hold time will be. 

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Regular Checks

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Regular checks go on hold for various times depending on a variety of factors. Please inquire with us about the hold time prior to placing your order. Once your order is placed, we expect prompt payment.

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Direct Deposits – Refrain from doing this

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Due to the liability associated with these payments, there may be a 90 days hold period for payments made in the form of direct deposit or transfer of personal/ certified cheques, banks drafts, money orders, or cash in our bank. 

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