All payments made through PayPal. Insurance is optional but highly recommended. We are not responsible for items damaged during shipping if no insurance is purchased. If any type of refund is issued it will be for the cost only & not include any shipping charges. Shipping charge also includes a small packaging fee. Send all personalization (if needed) with your payment. Payment must be received within 7 days of auction end unless prior arrangements are made, otherwise an unpaid item dispute will be filed.