Payment must be received within 7 days of close of auction or an EBAY Payment Reminder will be sent. Refund Policy: Refunds for anything that is misrepresented as long as it post marked with in 3 days of receipt by you. Buyer is responsible for shipping and a 10% restocking fee. NO Refunds on Graded Coins or Graded Sports Cards as it is what it is. NO Refunds on Bullion Gold or Silver coins as the market for Gold & Silver is always changing and the same applies if a non Bullion coin if it was sold within 15% of the Bullion price (i.e. Sold as Bullion purposes). We hardly have any problems as you can see by my auctions and our Feedback. Thanks Jay Jays Coins www.JaysCoins.com 352-344-4122