We accept the following credit cards: Visa, MasterCard, American Express and Discover. There is no surcharge for using your credit card to make purchases. Please be sure to provide your exact billing address and telephone number (i.e. the address and phone number your credit card issuing bank has on file for you). Incorrect information will cause a delay or failure in processing your order. Your credit card will be charged at the completion of checkout at Polar-Ray.com.