A photo will be sent for approval before mailing or delivery for approval. Payment is due with approval. Once approved there are no refunds or exchanges. Payments accepted: Cash (in person sales), Venmo, PayPal, Visa, Mastercard, MSUFCU member to member. (Visa, MC and PayPal will have a 3% processing charge). Shipping costs are the buyers responsibility. Custom orders are subject to a designing fee of $2 - $10 that will be added to the embellishment cost.