We accept Visa, Mastercard, Discover, American Express, Debit and Paypal. If you choose to write a Personal Check, Money Order or Cashier's Check, gather your order, call Bay Front Treasures and we will get you a shipping total. Once your check has arrived (and personal checks cleared), your order will move into production. We do not accept COD orders. If your credit card is declined, obviously, your order will not be moved into production and you will be notified. If we incur a fee from our financial institution, you will be charged that fee. A $35.00 fee will be charged for all returned checks.