Collectibles dealing concentrates every high-ticket card-not-present risk factor at once: individual sales in the thousands, authenticity claims a buyer can dispute, resale value that makes the goods attractive to fraudsters, and shipping exposure on items that are irreplaceable. Sports memorabilia, trading cards, fine art, designer watches and accessories, and rare collectibles all board as elevated risk for those reasons. Centurion places collectibles and art dealers into accounts where the ticket sizes don't trigger a freeze on the third sale of the month.
Dealers with documented authentication and disciplined shipping practices are genuinely good merchants — the underwriting task is demonstrating that, which is a documentation exercise more than a negotiation.
Five-figure single transactions mean one dispute can exceed a month's fees. Issuers scrutinize large card-not-present charges, and acquirers size reserves against them.
'Not as described' claims about grading, provenance, or authenticity are the category's defining chargeback. Third-party certification is the answer.
Highly resellable goods draw stolen-card orders, often with rush shipping to freight-forwarded addresses. Screening must catch this before the item ships.
Irreplaceable items in transit require signature confirmation, insurance, and documented condition — both for insurers and for representment.
The dealers who survive disputes in this category do the same four things: sell certified or independently graded items where certification exists, photograph and document condition before shipping, ship insured with signature confirmation, and publish return terms that are clear about authenticity guarantees versus buyer's remorse. A representment containing the certification number, pre-shipment photographs, signed delivery confirmation, and accepted terms is about as strong as card-not-present evidence gets.
We present collectibles files with realistic ticket sizes and authentication practices documented, so approval reflects how you actually trade, and set fraud rules that stop stolen-card orders without blocking legitimate collectors. Options are subject to underwriting and vary by inventory type, location, and processing history.
Collectibles files are documentation and fraud-control files:
Documentation requirements vary by processing partner and business model. This list is a general guide, not a universal checklist.
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Speak with Centurion Payment Services about your business model and available processing options. Processing options are subject to underwriting and vary by business model, location, and processing history.