Payments: We accept M.C and Visa through Biblio, personal and business checks, Paypal, bank transfers, or money orders. Please note that due to the increase in fees additional charges apply to all the above except checks. For our established clients and ILAB members we have the usual 30 day grace period. Upon inspection of the item(s) if not fully satisfied and upon receipt of the returned items in the same condition as sent to you your money will be refunded promptly. Our return policy is honored if the item is not as described. Shipping: All items are insured. The following options are UPS or USPS for items under $100, Fed Ex overnight air , USPS Post Priority or Express registered mail, for items over $300. Please note that international shipments are posted Fed Ex or A SHIPPER OF YOUR CHOICE IF YOU HAVE AN ACCOUNT WITH A PARTICULAR ONE. My insurance does not cover UPS. Post charges range from $65.00 up depending on the weight, size, insured value, method of shipping and distance.