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The short version
- Both dealers give 4% off for eCheck/ACH and bank wire; card and PayPal pay full list price at both.
- JM Bullion takes 3% off for crypto versus 2% at Bullion.com, and its wire minimum is $500 versus $1,500.
- Both offer free shipping on orders of $199 or more with in-transit insurance that ends at delivery.
- JM Bullion publishes a sell-to-us program; we found no published buyback at Bullion.com.
- Bullion.com publishes a price match against JM Bullion and four other dealers, so the cheaper listing can often be matched.
On the basics, these two dealers are close. Both discount bank payments by 4%, both charge full price on cards, and both ship free over $199. JM Bullion is the better fit if you want a long track record, more payment options, and a dealer that will buy your metal back. Bullion.com is worth checking when it has the lower cash premium, or when you want to use its price match against JM Bullion's listing.
We haven't bought from either dealer for this comparison. Everything below comes from each company's published policies as of October 29, 2026. Bullion.com is an affiliate partner of this site; JM Bullion is not.
Who's behind each dealer
JM Bullion
JM Bullion's company history page says it was founded on September 30, 2011, started in Lancaster, Pennsylvania, and moved to Dallas, Texas, in 2014. A-Mark Precious Metals bought it in March 2021, and A-Mark now operates as Gold.com, Inc., with JM Bullion as one of its retail brands. The company says it passed $10 billion in total sales in August 2023.
Bullion.com
Bullion.com is run by Bullion.com, LLC, with a Wilmington, Delaware mailing address in its user agreement. Bullion International Group lists it as a portfolio brand on its About page, and that group belongs to MKS PAMP GROUP, which also owns APMEX. We cover the company in depth in our APMEX review and our standalone Bullion.com review.
So this isn't a big dealer versus a garage operation. It's two brands owned by two of the largest corporate groups in the US bullion business: Gold.com on one side, MKS PAMP on the other.
Payment methods and price tiers
This is where most of your savings live. Dealers price cards higher because card networks and PayPal charge them processing fees, and bullion margins are too thin to absorb that.
| Payment method | Bullion.com | JM Bullion |
|---|---|---|
| Bank wire | 4% off; $1,500 minimum | 4% off; $500 minimum, up to $1,000,000 |
| eCheck / ACH | 4% off; up to $100,000 | 4% off; up to $100,000 |
| Paper check / money order | Accepted (six-business-day hold) | 4% off; up to $100,000 |
| Crypto | 2% off via BitPay; up to $250,000 | 3% off; up to $2,000,000 |
| Credit / debit card | Full price; up to $500,000 | Full price; up to $250,000 |
| PayPal | Full price; up to $500,000 | Full price; up to $250,000 |
| Apple Pay / Google Pay | Not listed | Full price; up to $250,000 |
| Klarna (pay later) | Not listed | Full price; $35 to $30,000 |
Sources: Bullion.com's user agreement and payment FAQ; JM Bullion's payment methods page.
If you pay by bank, the two dealers start from the same discount, so compare their cash prices directly. If you pay with crypto, JM Bullion's extra point of discount can tip a close race. If you want to split a purchase into small wires, JM Bullion's $500 wire floor is friendlier.
To put the 4% in perspective: on a $2,000 order, paying by bank instead of card saves $80 at either dealer. On many gold products, that's a large share of the dealer's whole premium, which is why the payment method can matter more than which dealer you pick.
Payment timing
Bullion.com holds eCheck and paper check orders for six business days before shipping, and wire payments must arrive within one business day. JM Bullion says eCheck and paper checks take three to five business days to clear, paper checks must arrive within 10 days, and wires are due within one business day. Both dealers give crypto buyers 15 minutes to pay the invoice.
Shipping and insurance
Both ship free on orders of $199 or more. Below that, Bullion.com's shipping FAQ lists a $9.95 fee; JM Bullion's shipping page didn't state its small-order fee when we checked, so look at your cart total.
| Bullion.com | JM Bullion | |
|---|---|---|
| Free shipping | Over $199 | $199 and up |
| Carriers | USPS or FedEx | USPS, FedEx, UPS, or armored car |
| Insurance | Full transit insurance | Full third-party precious metals policy |
| When coverage ends | Voided if you authorize release without signature or to a third party | Ends at signature or delivery confirmation |
| Ships after payment clears | Within one business day | Typically within one business day |
| P.O. boxes | USPS P.O. boxes accepted | P.O. boxes and military addresses accepted |
The practical lesson is the same at both: insurance protects the package until it's delivered, not after it sits on your porch. For larger orders, pay for a signature requirement. Bullion.com notes that standard shipping may not require one.
Cancellations and returns
Bullion.com spells out its terms. Once an order is confirmed, cancelling costs any market loss since confirmation plus a $35 fee, and the company keeps any market gain. Returns need prior approval, carry a possible $35 restocking fee plus market loss, and may be refunded as store credit.
JM Bullion's cancellation and return terms weren't on the pages we reviewed, so we're not going to guess. Assume a confirmed bullion order is binding at any dealer, because the dealer hedges the metal the moment you lock the price, and read JM Bullion's terms before you click buy.
Selling back: buyback programs
JM Bullion publishes a Sell to Us program. You pick products online, check out to lock a price, mail your items using their instructions, and get paid after their team inspects the package. The page advertises free insured shipping. It buys bullion plus jewelry, scrap, and silverware.
One wrinkle: the Sell to Us page lists a $1,000 minimum, while JM Bullion's buyback FAQ says $3,000. Confirm the current minimum before you ship anything.
We found no published buyback program at Bullion.com. If being able to sell back to the dealer you bought from matters, JM Bullion wins this category clearly. For a wider view of how dealer buybacks really work, read our buyback guide.
Price matching and comparison tools
Bullion.com's comparison page includes a price-match policy that names JM Bullion as one of five eligible competitors, alongside APMEX, SD Bullion, Money Metals, and Provident Metals. It matches the premium over spot on an identical product listed on the competitor's own site. Sales, limited-time deals, bundles, rebates, free-item offers, and pricing errors are excluded, and you request a match by phone.
That changes how you shop. If JM Bullion's regular listing for the same coin carries a lower premium, Bullion.com may match it, and you can pick based on the other factors in this article. We didn't find a published price-match policy on the JM Bullion pages we reviewed.
Size, track record, and reviews
JM Bullion has 15 years of history and reports more than $10 billion in lifetime sales. Bullion.com doesn't publish a founding date or sales figures, and its public review footprint is small: when we checked on October 29, 2026, its Trustpilot page was unclaimed with 15 reviews and a low score. That's a thin sample, but it's what's public. A long record doesn't guarantee good service, and a short one doesn't mean bad service, but more history gives you more to judge by.
Side-by-side verdict
JM Bullion
Fifteen years in business, a public parent company, more payment options, a lower wire minimum, a better crypto discount, and a published buyback program.
- 3% crypto discount and $500 wire minimum
- Published Sell to Us program
- Apple Pay, Google Pay, and Klarna options
- Card and PayPal limits lower than Bullion.com's
- Buyback minimum differs between its own pages
Bullion.com
Same 4% bank discount, a price match against JM Bullion and others, and a big corporate parent, but a short public track record and no posted buyback.
- Price match on premium over spot
- Higher card and PayPal limits
- Backed by the MKS PAMP group
- No published buyback program
- $1,500 wire minimum and six-day eCheck hold
How to choose for your order
- Pick your payment method first. Bank payment gets 4% off at both. Crypto favors JM Bullion. Card buyers pay full list either way.
- Price the exact product at both. Compare the cash price per ounce, then subtract spot to see each premium.
- Ask for a match if Bullion.com is higher. If JM Bullion's regular listing is cheaper for the identical item, call Bullion.com and ask.
- Decide how much buyback matters. If you want to sell back to the same dealer, JM Bullion has a published process.
- Protect the delivery. Add a signature requirement on anything valuable, at either dealer.
Still deciding between dealers in general? Our dealer comparison hub and JM Bullion review go deeper.
Check Bullion.com's cash price
See its current eCheck and wire pricing, then compare it against JM Bullion's listing for the same coin or bar.
Compare prices at Bullion.comFrequently asked questions
Which is cheaper, Bullion.com or JM Bullion?
It depends on the product and the day. Both apply the same 4% discount for bank payments, so compare the cash price for the exact item. Bullion.com's price match can close the gap if JM Bullion's regular listing is lower.
Are Bullion.com and JM Bullion the same company?
No. JM Bullion belongs to Gold.com, Inc. (formerly A-Mark Precious Metals). Bullion.com is a brand of Bullion International Group, part of MKS PAMP GROUP, which also owns APMEX.
Can I pay with a credit card at either dealer?
Yes. Both accept cards and PayPal at full list price with no cash discount. JM Bullion caps card and PayPal orders at $250,000; Bullion.com lists $500,000.
Does Bullion.com buy gold back like JM Bullion does?
We couldn't find a published buyback program for Bullion.com. JM Bullion runs a Sell to Us program with online price locks and free insured shipping, though its minimum is listed differently on two of its pages.
Which dealer is better for crypto buyers?
JM Bullion, on paper. It discounts crypto payments by 3% versus 2% at Bullion.com, and it accepts much larger crypto orders.
Sources
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Not financial advice: This article is educational and is not investment, tax, or legal advice. Prices, fees, and rules change; confirm current terms with the provider and a qualified professional before you buy, sell, or file.