Payment methods accepted are Paypal Visa, MC, MO, ect. Refunds will be made for items lost or damaged in the mail if the buyer has puchased insurance for that item. Returns must be requested in advance, within 5 days of delivery, and a refund will be made for the purchase price upon reciept of the returned item. We work hard to ensure all our items are of the best quality. Thank You, Loren C.