Flexpay Payment Policies
For security reasons, We will no longer accept Credit/Debit Card payments for the purchase of monetized paper currency. We apologize for any inconvenience, however all monetized paper currency purchases must be paid with US Postal Money Order, or Bank Check. We do have a minimum purchase policy required when purchasing from this website. The minimum accepted purchase amount of $20.00, any purchases under this amount will be charged a $6.50 shipping and handling fee to the order.
Store Credit/Rewards Purchases:
- Store credits may not be earned from any purchase that is made using store credits. Store credits that are received from the result of a purchase using store credits/rewards, will not be awarded and will be deducted from your account.
- Store credits may not be redeemed through mail-in payment purchases. In order to use a store credit to pay for your purchase, you MUST complete your purchase online, and use your store credit to pay for your purchase at the time of check-out. Orders with payments that have instructions for us to deduct your store credit from your purchase will be declined.
- Store credits can only be awarded after a successful delivery of your purchased items.
- Store Credits will be added to your account after 45 days from your date of purchase.
- Store credits may not be used to purchase paper currency in any order totaling more than $200 USD in any 30 Day calendar period.
We Offer The Following Payment Options:
- US Post Office Money Order
- Personal checks from US based Banks*
- Cashiers Checks from US based Banks
- Credit/Debit Cards - Visa, MC, Amex & Discover
- We do NOT accept PayPal, but we WILL accept PayPal Credit/Debit Cards
* Customers with accounts newer than 6 months, are not permitted to purchase paper currencies with a Credit/Debit card.
* New customers with accounts newer than 6 months must obtain pre-approval before paying with a personal check.
* New customers paying for paper currencies with personal check MAY be asked to provide Identification prior to purchase.
Postal Money Order:
Postal Money Orders may be used to pay for any size purchase.
Make Payable To: Guardian Svcs
Currency Purchase: 2 Business Days
Lay-Away Purchase: 1-2 Business Day
The maximum purchase amount is $10,000 US / Day.
Cashiers's Checks & Personal Checks:
A Cashier’s check (Certified Bank Check) may be used to pay for any size purchase UP TO $50,000.00 (USD) in a single transaction. We will only accept Cashier’s Checks from US based Banks, whose home office is located within the 50 US States,and can be verified through CheckSystems*.
* Customers who make purchases OVER $10,000 in a single transaction within a seven calendar day time period, may be required to provide additional identification documents, prior to your Certified Bank Check being processed.
Be sure to write your “Transaction Order Number” into the Memo section of each Check.
Make Your Certified / Personal Check Payable To: Guardian Svcs
Currency Purchase: 5-10 Business Days
Lay-Away Purchase: 2-3 Business Day
Credit/Debit Card Transactions:
Credit/Debit Card transaction payments may require the following, depending on the length of customer history,
the purchase amount, and our merchant processor requirements.
- Credit/Debit Card transactions require a minimum of a $20.00 purchase to offset processing fees.
- A valid State Issued photo ID be on file for all NEW customers.
- Verification of your Photo ID with your State BMV/DMV Fake ID Prevention Dept. (This policy applies only to new clients first time purchases over $1,000)
- Customers whom have been active for more than six (6) months, may be approved
for Credit/Debit Card payments towards paper currency purchases.
CREDIT / DEBIT CARD PURCHASE POLICIES:
- The MINIMUM Credit/Debit Card purchase amount for ANY transaction: $20.00
- The MAXIMUM Credit/Debit Card single transaction: $600.00
- Card purchases OVER $600 per order, will be broken down into multiple payments
- Credit/Debit card payments for any amount of paper currency will incur a 5% processing fee added to purchase amount.
- Customers with accounts newer than 6 months, are not permitted to purchase paper currencies with a Credit/Debit card.
Credit/Debit Card Clearing Time:
Currency Purchase: 2-3 Business Days
Lay-Away Purchase: 1-3 Business Day
Large Currency Purchase Payments:
Our Banking Institution that processes our payments has EXTREMELY high security requirements so as to help prevent fraud, thus protecting ourselves as well as our customers. If you submit a payment for MORE THAN $600.00 in a single transaction, your payment will be broken down into smaller payments, each being processed individually. In this situation, you will receive an email notification for each payment being processed, and be given the details of the exact dollar amount of each payment.
Customers paying by US Postal Money order may submit a purchase in ANY amount without needing to acquire pre-authorization. You may need to purchase more than one US Postal Money Order to complete your transaction, as the US Postal Service Money Order Limit is a MAXIMUM of $1,000 / Money Order. Simply purchase however many money orders you need to equal your dollar amount of your order, and write your order Transaction Number in the Memo Section of each money order.
Customers whom have already submitted their identification documents for previous transactions, will not be requested to submit such information for future transactions. In the event that your address information should change, we will only request that you provide us with an update of your address information in your online account details.
REFUND / RETURN / EXCHANGE POLICIES:
Refunds are processed differently for each payment type. Each payment type will have it's own refund procedures and processing time. Please familiarize yourself with our refund policies BEFORE you commit to a purchase, if you are not satisfied the refund/return policies for any specific payment type, please choose an alternate payment option.
If you pay for your transaction with a US Postal Money Order, Certified Bank Check, Personal Check, or Bank Draft, your refund will be submitted in the form us a Company Draft Check, issued by our Bank, and made payable ONLY to the persons name on the account form which your purchase was made. Your refund payment will be mailed ONLY to the BILLING address within your account information details AT THE TIME YOUR PURCHASE WAS MADE. Your refund will be mailed back to said address, via Certified Priority USPS mail, and will require an adult signature, with picture ID verification. The Certified mail will be Photo ID restricted, therefore the ONLY person able to sign for the package, will be the person whom the package was returned to.
Each refund request MUST be processed and submitted back to the original form of payment. As always, we do NOT allow refunds for Layaway service fees, this as always been our policy. We do however allow for refunds for payments made towards any Layaway pay-off. A refund for a Lay-Away payment MUST be requested prior to 11:59 pm EST on the date of the Lay-Away expiration.
If you wish to request a refund for physical currency, you will be required to ship your ENTIRE order back to us. at your expense. We must receive your entire order prior to your refund being processed. After your return is received by us, we will examine your returned merchandise for authentication of goods. All returned currency MUST be returned in the EXACT same condition in which it was delivered to you. All returned currency MUST have the EXACT SAME serial numbers that we have documented as having sent to you. All free samples of currency, items of gold, silver, or other free gifts that were a part of your order, must also be returned in in whole, and in the exact condition you received it in, in order for you to qualify for a refund.
Order that have currency with different serial numbers, even if it is the same amount of currency, will be rejected, and a refund will NOT be granted. We will grade the currency using our posted grading system, if any currency is damaged, your refund will be subject to a damaged good penalty fee to account for the lesser value of the currency condition. If any items of value are missing from your returned order, such as silver, gold, copper, free currency samples or other items, your refund will be subject to a missing items penalty fee equal to the value of the items that are missing from your returned items.
Once a refund/return is approved, your refund will be processed and delivered within 3-5 BUSINESS DAYS, not including weekends, or ANY posted Banking Holiday for which we are closed for business.
PAYMENT INFORMATION NOTICE:
* Sorry, but we do NOT accept Paypal
PAYMENT INFORMATION NOTICE:
* Sorry, but we do NOT accept Paypal