Payments — All In Trade | How Wholesale Buyers Pay

Accepted methods.

Secure Stripe processing · Transparent fees · Same-day to 5-day clearing

Match the method to the order — or use one method across the board if that's how your AP team works. Both are fine with us.

I

Credit Card

Fast and flexible — ideal for first orders.

Visa, Mastercard, American Express, and Discover. Best for smaller POs and first-time orders when you want same-day clearing and the protection of your card's purchase terms. Corporate cards welcome.

Best ForOrders under $10,000

ClearingSame day

Surcharge2.9%, disclosed at checkout

NetworksVisa · MC · Amex · Discover

ACH Bank Transfer

No surcharge — what most of our buyers use.

Direct bank-to-bank transfer initiated from the invoice payment link. Save your bank details once and future invoices clear in two clicks. The most cost-effective option for standing volume.

Best ForOrders $10K–$50K & repeat volume

Clearing3–5 business days

SurchargeNone — flat $5 processing max

SetupOne-time bank verification

III

Wire Transfer

Built for large orders and payment finality.

Domestic and international wire instructions accompany every qualifying invoice. Same-day funds availability and payment finality — the standard for large POs.

Best ForOrders $25,000+

ClearingSame day (domestic) · 1–2 days (intl.)

SurchargeYour bank's wire fee only

RequiredAvailable for international transactions

Not sure which to pick? Match it to the order.

Recommendations, not rules

If your AP team prefers one method across the board, that works too.

First order — testing the relationship. Credit Card Fastest clearing, lowest operational friction. Get the shipment moving, then decide how you want to settle future invoices.

Standing monthly volume of $5K–$50K. ACH Transfer No surcharge and fully predictable. This is what roughly 80% of our active buyers settle on after the first couple of orders.

Bulk PO over $25K. Wire Transfer Recommended for large orders where payment finality matters. Instructions are included on every qualifying invoice.

Common questions, answered up front.

Still need something? accounts@allintradeco.com

A real person replies within one business day.

Why is there a surcharge on credit cards?

Card networks charge 2.5–3.5% per transaction. On a $50,000 order that's $1,500 we'd either build into prices for everyone or pass on transparently to the buyers who choose cards. We chose transparency. ACH and wire carry no percentage fee if you'd rather avoid it entirely.

Can I put a whole purchase on a corporate card?

Yes — on approved accounts, up to your card's limit. Corporate cards with Level 2/3 data enabled may qualify for lower interchange, which we pass through when applicable. Large card transactions may require a quick verification by our AP team before release.

How long until payment confirms and my order ships?

Cards and domestic wires clear same-day; international wires next-day; ACH settles in 3–5 business days. Once payment confirms, in-stock orders ship within 24–48 hours. If any line item is backordered, our team contacts you before releasing a partial shipment so you decide how to proceed.

Do you accept checks?

No — paper checks slow everything down and introduce reconciliation errors. Every method we accept gives same-day or next-day confirmation we can act on. If your accounting system only issues checks, reach out and we'll work with your AP team to find a clean path.

What about refunds, returns, or short shipments?

Credits issue to the original payment method within 2 business days of resolution. Card refunds typically land in 3–5 business days depending on your issuing bank; ACH reversals and wire credits settle faster on our side. We don't hold funds to improve our float.

How is my card and bank information protected?

We never see or store raw payment details. All card and bank data is tokenized and held by Stripe, PCI-DSS Level 1 certified — the same standard used by major banks. Payment links are encrypted end-to-end, and every transaction carries a full audit trail for your records.