Customer is responsible for shipping items back. Only items that are not the same as item description on sale date can be returned. It takes 4 to 5 business days for processing refunds depending on your Bank. We do not refund shipping charges. We do not refund premiums. All sales final in most cases. Gold Coin NY believes in a clean gold and silver buying experience. 100% Safe transaction on sales and refunds. Please note that customer is responsible for items until they are safely returned to us and then we will gladly and swiftly start refund processing.