I accept checks, money orders, PayPal, or credit card payments over the phone. Sales tax is collected on jewelry sold to residents of Michigan and Illinois. Jewelry will be shipped first class USPS within 48 hours of payment. Refunds and Exchanges:I want you to be happy! Any of the in-stock jewelry you buy from my store may be returned for a full refund within 10 days of purchase. Please contact me about any piece you would like to return. Contact me for custom orders.