For now, I'm primarily taking payment through PayPal. It's really convenient and easy to use; once you sign up with them, you'll find yourself using it more and more. But if you're hesitant to sign up for yet another online service right now, don't despair; you don't even need to sign up for an account to pay through them. Just follow their super-easy instructions. If you're interested in paying some other way -- such as a check -- or if you're overseas and want to order -- please send me an e-mail so we can work it out. I want everyone to be able to have a piece of Pio jewelry, so we'll find a solution! I don't accept returns, since each item is made to order. Unless, of course, you end up with something you didn't order, or there's a defect in the product, in which case you'll need to send it back to me within 10 days of receiving it. E-mail me for my mailing address.  rachel@pioplayground.com