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US BUYERS

CASH

There are several payment alternatives you may choose from. Your personal check gladly accepted for payments up to $100. Personal checks are typically for parts orders, and do not need to clear before your purchase is shipped. For payments over $100 [or for those that do not have a checking account], Money Orders and Cashiers Check are your best options. Money Orders and Bank Checks MUST have enough security features present to distinguish them as "real", otherwise they must clear before shipping [over $100]. Merchandise will be shipped the first business day following payment if these security features are present, unless it's a guitar purchase as I'm usually in a backlog of work [Silver package and under guitar purchases will ship next day or as soon as possible with my busy schedule]. Guitars go into tech line when payment is received. You may also choose to transfer the funds directly into my account. This usually takes 2-3 business days (Priority Mail is just as fast) and you must add in the $10 transfer fee my bank charges to receive the transfer, and your bank will charge you around $15 to send it. You will need to contact me for my account information.

Paypal used to be a great option for cash payments but they have changed the rules so that payments to any merchant are charged the fees even if you are paying with cash in your account, or transferred from a bank account. Paypal is considered Card pricing, shown below.

CREDIT CARD

I accept Visa, Master Card, and Discover only. I do have a set minimum for card purchases of $50, slightly flexible if you find yourself in an emergency and that is your best option for fast payment. VISA and MC are cracking down on how card information is transmitted so where you used to be able to send it broken into several emails, now that is frowned upon. It can be faxed, or given over the phone, but no transmission over the internet is permitted at this time. For guitar orders, all credit cards must pass security clearance through your credit card company to verify you are who you say, and verify the billing/shipping address. Due to the amount of online credit card fraud I personally check on the status of each card. This is why I will never use an automated online merchant account to accept credit card orders. They could care less if I'm getting robbed, they get their percentage either way. I will need the toll free Customer Service number located on the back of your card, the card number, card type, expiration date, 3 digit security code, your name, and billing address. Shipping to verified billing addresses only. For all purchases over $1500 I will need a *clear and readable* copy of the front and back of your credit card and drivers license. For all purchases over $2000 you will need to fill out a Credit Card Authorization Form that contains all the specifics of the transaction, sign, and fax or mail the completed form along with a *clear and readable* copy of the front and back of your credit card and drivers license. You must also sign and return a copy of the Return Policy Approval Form showing that you have read and approve of the terms. If you are a returning customer and have gone through this I will not make you do it again. I know this is an ultimate pain in the ass but you can blame the thieves in this world for screwing it up for good honest folks. I will email these forms to you to print out on request.

PAYPAL

Paypal is now offering BILL ME LATER for all purchases over $99 with 0% interest for 6 months. I would not recommend this option unless you are sure you'll pay it off within that 6 months as with all of these financing plans, the interest is prohibitive if the balance is not paid within the financing period.



Paypal has come a long way in securing transactions for both buyers and sellers. They are doing a great job of vetting out fraud on both sides, and guaranteeing both sides are protected. No processor will ever be perfect, but Paypal has actually become my preferred method of payment. If you are paying with a credit card the payment will be "Instant" and your purchase can ship immediately. If the funds are drawn from your bank by either ATM or Debit card, sometimes it will send as an "Uncleared" e-check. The payment will not clear for 5 - 10 days and is not guaranteed by Paypal. Because of past experiences I will only mail e-check orders when the e-check has cleared.

Any Paypal transactions MUST ship to the address registered with Paypal, no exceptions.

My paypal ID for all payments is rich@ibanezrules.com . Please include note detailing your order and email me after payment as sometimes Paypal payments notification emails just don't arrive. Please do not send any payments for anything without asking about availability and an accurate quote first.
 

 

INTERNATIONAL BUYERS

Your payment options are more limited.

NO INTERNATIONAL CREDIT CARD PAYMENTS!

Payments Under $500 

International Money Orders or Bank Checks in US Dollars, International Money Orders and Bank Checks MUST be drawn on a US bank, and MUST have enough security features present to distinguish them as "real", otherwise they must clear before shipping. Under $500 only.

Paypal has come a long way in securing transactions for both buyers and sellers. They are doing a great job of vetting out fraud on both sides, and guaranteeing both sides are protected. No processor will ever be perfect, but Paypal has actually become my preferred method of payment. If you are paying with a credit card the payment will be "Instant" and your purchase can ship immediately. If the funds are drawn from your bank by either ATM or Debit card, sometimes it will send as an "Uncleared" e-check. The payment will not clear for 5 - 10 days and is not guaranteed by Paypal. If your payment is an uncleared e-check it will not ship before I receive the cleared check notice.

Any Paypal transactions MUST ship to the address registered with Paypal, no exceptions.

My paypal ID for all payments is rich@ibanezrules.com . Please include note detailing your order and email me after payment as sometimes Paypal payments notification emails just don't arrive. Please do not send any payments for anything without asking about availability and an accurate quote first.

Western Union Wire Transfer. If you choose Western Union for an instant transfer add $10 for my receive fee. I have to drive 10 miles and put up with quite inept people working the computer receiving and printing the check. Time is money, and I charge for mine. Write for instructions. [Over $200 only!]

US Cash. Last but not least sending US cash is a cheap and effective way to pay, and US cash is available almost everywhere in the world. It is as reliable as sending mail, and no the postman isn't sniffing every envelope to try and sniff out cash. Be sensible and fold it up in a sheet of paper and NObody is the wiser, although I wouldn't recommend it for payments over $100 [or whatever you can comfortably loose], a cash payment has never gone lost yet, but the longer that streak stays alive the closer one comes to going wayward.

Payments Over $500 

Bank to Bank Wire Transfer - If you choose the wire transfer you must add the $35 International transfer fee the banks in the middle steal as fees. This fee has just risen from $25 to $35 as 3 transfers in a row have been $5 and $10 short, pointing to a probability that the international clearing banks have raised the fees. Your bank will also charge you a fee for transferring the money, check with them first (I've got to pay $30 to transfer money overseas!).  

Paypal has come a long way in securing transactions for both buyers and sellers. They are doing a great job of vetting out fraud on both sides, and guaranteeing both sides are protected. No processor will ever be perfect, but Paypal has actually become my preferred method of payment. If you are paying with a credit card the payment will be "Instant" and your purchase can ship immediately. If the funds are drawn from your bank by either ATM or Debit card, sometimes it will send as an "Uncleared" e-check. The payment will not clear for 5 - 10 days and is not guaranteed by Paypal. If your payment is an uncleared e-check it will not ship before I receive the cleared check notice.

Any Paypal transactions MUST ship to the address registered with Paypal, no exceptions.

My paypal ID for all payments is rich@ibanezrules.com . Please include note detailing your order and email me after payment as sometimes Paypal payments notification emails just don't arrive. Please do not send any payments for anything without asking about availability and an accurate quote first.

Western Union Money Order - In Australia you can buy Western Union Money Orders in USD from your post office

Western Union Wire Transfer. If you choose Western Union for an instant transfer add $10 for my receive fee. I have to drive 10 miles and put up with quite inept people working the computer receiving and printing the check. Time is money, and I charge for mine. Write for instructions.

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Merchandise always shipped the first business day after payment is received, except as noted above. For an 'estimate' of the costs in your currency, check here to calculate. This will only be close as you will be transferring X amount in *US* Dollars at your bank or through Paypal and they will do the conversion on the day the transfer is actually made, and currency values fluctuate daily. Make sure to use the drop down menu to change the "Interbank Rate" to "Typical Cash Rate: +4%", the Interbank Rate is what banks charge each other to transfer millions of dollars. You can always write me with any questions here.

International buyers must remember, you will be charged Customs Fees and/or Value Added Tax and/or Import Duty by the Customs Dept. of your country. These are based on a percentage of the declared/insured value of the shipment and vary per country. Every now and then something will mysteriously slip through Customs without added Taxes but fully expect and be prepared to pay. I am collecting responses from countries I ship to and will get a page online at some point with the results, but right now I can only give you a few examples of how varied they are, see below.

International Customs Fees

Canada bills 7%GST plus whatever your local provincial tax is, plus 6% duty. Alberta will pay 13% taxes total, Saskatchewan they will pay 20% (7 GST, 6 Duty, and 7PST), etc. Use this site to estimate your Final Cost to Canada.

England bills 22% total VAT and Duty.

England bills 22% total VAT and Duty.

Finland bills 3.7% Duty and 22% VAT totaling 25.7%

Holland bills 3.2% Duty and 19% Consumer Tax totaling 22.2%

Spain bills  3.75% Duty and 16% VAT for a combined 19.75%

 

Disclaimer - Ibanez Rules is not affiliated with Ibanez or Hoshino USA.

Copyright August 2000 by Ibanez Rules!!