PAYMENT: I accept Paypal and Credit Cards. Payment must be completed within 24 hours. If you are paying by Paypal Echeck, be advised that I do not ship your purchase until the Echeck clears and Paypal allows me to print the shipping label. (An eCheck is an electronic funds transfer that withdraws money directly from your bank account. Its just like writing a check, only it is done electronically. When you send money with an eCheck from a U.S. bank account, the transaction is held as pending for 3-4 business days, until the electronic funds transfer clears your bank.) Sales Tax will be charged for items shipped to New York State. SHIPPING: I ship within 48 ours of cleared payment - Monday through Friday. Shipping will be by U.S. Post First Class or Priority Mail depending on the item(s) purchased. REFUNDS & EXCHANGES: If you receive something you don't like, you may return it to me within seven days for a full refund excluding any shipping charges.