Payment is appreciated within 3 days. If it will take longer please contact me within that time to make arrangements. I accept PayPal, USPS Money Orders, or personal checks. Personal checks may require a 10 day hold to assure clearance before shipping. If paying with PayPal please take the time to make sure your shipping address is PayPal confirmed. Insurance is optional on domestic US shipments but recommended for peace of mind. Insurance is required on all international shipments. Although I have never had a problem with the USPS, I am not responsible for lost or damaged parcels if insurance is not purchased. If payment is received by 6:00 pm EST I normally ship the next business day.