We accept the following type of payment

• Credit Card (With restrictions)
• Bank Transfer

BuySilverMalaysia.com is integrated with payment gateway provided by iPay88 Sdn Bhd. iPay88 accepts most credit cards issued by banks in Malaysia. We take high precaution to safeguard your online purchases. With that, we only opted to accept credit cards with 3-D Secure feature.

3-D Secure is an added security measures implemented by credit card issuers. Through Verified by Visa and MasterCard Secure Code, you are required to key in your personal password as an extra protection to authorize your electronic payments.

Please note that credit card payment option maybe unavailable during maintenance. In event of unavailablity, please pay using Bank Transfer method.

Malaysia - Below are list of credit card issuers that offers 3-D Secure:

• Maybank
• Public Bank
• Hong Leong Bank
• CIMB Bank
• RHB Bank
• AmBank
• Alliance Bank
• OCBC Bank
• UOB Bank
• Citibank
• Standard Chartered Bank
• HSBC Bank
• Affin Bank
• Al-Rajhi Bank
• Bank Islam
• Bank Simpanan Nasional
• Aeon Credit Services
• Bank Muamalat

Singapore - Below are list of credit card issuers that offers 3-D Secure:

• Citibank
• Standard Chartered Bank
• DBS Bank
• Maybank Singapore
• OCBC Bank
• Keppel TatLee
• UOB Bank
• HSBC Bank
• CIMB Bank

Credit card orders are reviewed on an order by order basis. Large credit card orders may be subject to additional documentation or screening and are subject to our approval. Below are the basic criteria that must be met for credit card orders:

• Credit Card payment is restricted to order amount RM3,000 and below only.
• Credit card holder name must be the same as billing name and shipping address name (as per IC/MYKAD).

For any self-collection, the customer must bring their credit card upon collection. Authorization for another person to collect on behalf is prohibited. BSM will carry out further verification by request customer to undersign and return a letter of "Credit Card Verification" before releasing the order otherwise we reserve the rights to cancel the order. Should the credit card holder name is different as the billing name or shipping address name, we reserve the absolute rights to cancel the order and make refund accordingly.

If you choose to pay via bank transfer, we will reserve your item for 30 minutes. If payment is not received within the time frame given, we reserve the right to cancel your order, or provide a new quotation based on the latest spot price.

Please use Instant Bank Transfer instead of Interbank GIRO transfer to ensure the timing policy is met.

The following are our banking details. If you have QR-Code scanner on your phone, scan the QR-Code for our company banking details. It contains all the details you need to make payment at the ATM machine:

Upon making payment, kindly email us at order@bsm.my with the following details:

• Your order number
• Payment date and time
• Transaction reference number

We may request proof of payment (bank-in slip, screen capture) if necessary. Please safeguard and keep the payment receipt for references.

If your order is above RM10,000 and your daily bank transfer limit is RM10,000, we recommend splitting the payment using two or more banks for payment. Otherwise, kindly arrange the balance payment within the next working day.

In order to lock the price, a non-refundable deposit of 20% or RM 10,000 (whichever higher amount) is required.

If you require further assistance on this, please email us and we will advice accordingly.

Maybank Updates:

There is an update on security feature implemented by Maybank. As mentioned on Maybank website, the new security feature applies for transaction with the value of RM 10,000 and above.

Based on our experience, there is now a new requirement of additional 1 hour (approximately) to verify your payment by the bank from "Accepted" status to "Successful". Please see below for sample of receipt.

BuySilverMalaysia.com will only accept payment and lock the price for Customer once the status is under "Successful" status. Should you require further clarification, please contact our friendly Customer Service team.

At the moment, we do not have the facility to service walk-in customer.

We using third party carriers to deliver our orders. With that, we are unable to receive your payment upon delivery.

While we strive to provide the best possible service for our customers, we will not tolerate any misuse on our payment facility. We will have no choice but to suspend any accounts we find misusing our facility. In the event of credit card fraud, we will take stern action by alleviating the matter to legal authority.

Each order will be applied to One original Invoice. We are unable to generate One Order with Multiple Invoices.

Should customer is buying the item as gift, customer could request for Cash Receipt in the remark column during check out whereby customer’s profile will not be displayed on the original Invoice.

Note: Only 1 Original Cash Receipt is issued for One Order.