We accept PayPal, Personal Check (hold until clears bank), and money order. Shipping is $1.95 for the first Ear Cuff and we do not charge extra for up to 3 more shipped togeather. We try to combine shipping whenever possable to keep you cost down. Insurance is optional, but once we turn the package over to the Post Office we are no longer responsable and there is no reimbursment. Iternational customers please contact us for details and shipping cost.