Payment - shopping cart is programmed to accept payment via Paypal,credit cards(visa, mastercard, AE),or money order Click here to sign up for Paypal. If you would like to pay by check or money order please send to: Charlene Hanger, 190 Washington St. Oregon WI 53575.E-mail:malamaker@yahoo.com Return policy - I will accept jewelry in original condition for exchange or store credit within 15 days of purchase, . Shipping - please allow 5-6 days for delivery. International Shipping - please e-mail before you order, shipping cost depends on destination, payment via Paypal or international postal money order. Jewelry - all items as described and pictured, I use genuine stones only, 24, 18, 14 or white k gold or sterling silver and gold filled used in jewelry as stated.( see description for details).Special prices for sets.Free mala bag for each mala purchase! As a guide to determine the size of a stone 6.5-7mm=5/16 in.The wrist malas measure in length from 7-9 inches.Some designs are available in different sizes or other wires.Repairs are welcomed,please e-mail for estimate. What is Mala?