Payment: I accept paypal, it's so easy and safe for both you and for me, you don't need an account to use paypal and your item is sent as soon as confirmation of payment is received. Shipping: cards are sent via 1st class USPS in a stiff brown (recycled) envelope Refunds and Exchanges: If the item is not what you expected or is damaged in any way, please notify me within 5 business days so we can work out a exchange or refund, In the event of a refund I am not able to refund shipping costs, only the cost of the item. Additional Policies and FAQ:sIf you are ordering cards for a gift you may request that it be sent directly to a different address with gift wrap, just note the address and any instructions when you make the order. email me for personalizing your cards at no extra cost. Thanks for shopping in my store. for Pay pal my email is fancifulflowers@kathleenothon.com