Payment: PayPal is the safest & easiest way to pay, but credit/debit card option is also available. We accept all major credit cards: Visa, MC, Amex, and Discover. Refunds/Returns/Cancellations: We will issue refunds before the journal is mailed out to you. Once the journals are shipped, we can not issue refunds since the journals comes from our publisher in Beijing. We will gladly refund your subscription before shipment--simply email us! Thank you for understanding.