How to Pay for Your Order of Fine Games
You can pay for your order thru any of a variety of methods including check, money order, credit or debit card
and even trade-ins. Choose the method to use based on your preferences for minimizing your
total cost, how you manage your money, and how quick a turn-around you need. Unique aspects of various methods are
For those of you who have used PayPal in the past, please see
below for the limitations on our acceptance of PayPal
payments (most recently revised Aug 2009).
All our prices, including shipping, are stated on a cash basis. As such, they reflect a 3.62% cash
The basis of this distinction is whether we receive 100% of the
proceeds (considered as "cash"), or are assessed any amount of fees to receive your
payment ("non-cash"). The amount of the difference
approximates what we must pay in fees to receive your payment.
If you pay on a non-cash basis, then you forego the cash discount implicit in our prices; add 3.75% to our stated prices to remove the
discount implicit in all our pricing.
Currently, all forms of payment that utilize credit or debit cards in any fashion are non-cash. Add 3.75% to the grand total to remove the cash discount. This includes PayPal payments funded by these methods.
PayPal payments funded internationally are generally non-cash as well, regardless of how they are funded. Only where funds are already in your
PayPal account in US$ and specific procedures are
followed are funds likely to arrive "as cash."
Checks, Money Orders and Cashiers Checks, Bank Drafts, etc.
Payments by check, money
order or cashiers check payable in US$ and thru a US bank are
Checks, etc., should be made payable to "Fine Games."
We must have your full contact info, including home street address
and home phone #.
All such payments should be drawn on a US bank and denominated in
US$. Checks not drawn on a US bank or denominated in other than US$ will be delayed by at least ten (10)
days. In addition, you will be credited for the amount our bank credits us, less all fees imposed by our
bank (which can be rather random).
We allow ten (10) days for your check to arrive (20 days for
international customers). After that, your payment is late and your order is subject to immediate
cancellation. We do take pains to remind you, several times if necessary, but if this proves to be your
habit, we may elect to accept your order only upon arrival of your payment.
We reserve the right to hold any check, etc., until is has cleared
if is advisable for any reason. Generally, this is necessary only for unusual or large orders, checks
without imprinted information, and instruments drawn on a foreign bank, etc. This is rarely needed,
Checks returned by your bank for any reason are assessed a
on each occasion. This generally means your check is sent to collections and we part company. So please,
don't. (See our Policies for more.)
We accept Visa, MasterCard, Discover® and American Express cards.
Credit card payment is immediate, and so your order can ship
Payment via credit cards is not considered cash, and thus the cash
discount must be removed before arriving at the grand total for an order. Do this by multiplying the cash-basis total by103.75%. See
ATM and debit cards are, for all our purposes, the same as a credit card.
To use your credit card, communicate your card's info to us along
with your other order info. See our Contact Info for the ways to contact us. The
info required to use a card is:
To protect the security of
your CC info, we recommend that you convey your CC info to us in one of
3 secure ways: by phoning us, by FAX, or via an encoded email.
The most secure method is to use PGP and our Public PGP Key.
Alternatively, include the info in a MIME attachment to your email (such as a Word or Excel document). A
simpler alternative is to convert your CC info into words (e.g. 4 becomes four), or to disguise the number
as in this example:
Alpha $54.32 Beyond Valor $10.01 Cat $59.99 Dog $09.01 BDay 4-04
Fine Games accepts but no longer
the world's largest online cash-transfer service.
Due to PayPal's convoluted terms, Fine Games distinguishes between two
categories of payment. Please note this difference carefully:
Payments funded by electronic transfer from a bank account or funds you've received into your account
(and not by any charge to a credit or ATM card) are accepted under
specific conditions at face value (i.e. on a cash-basis). Such payments are sent to
However, you must observe the procedures detailed here;
in particular, to send a payment that does not arrive arrive with fees
you must either pay the fee yourself OR declare in the SEND MONEY
screen that you are "sending money to family
Payments funded to any extent via a charge to a credit or ATM card are not considered cash;
the implicit cash discount must be removed on orders paid in this manner by increasing the grand total by
3.75%. In addition, payments funded in this manner must be sent to a special email address used only
for this purpose: PayPal@FineGames.com. If
you select the "I'm paying for goods & services" button,
fees will always be attached to your payment.
(Payments funded via a
credit card sent to our normal address will delay shipment.) Since the amount
you'll pay with this method is the same as if we charged your credit or ATM card directly, we encourage you
to handle payment in that way if you really want to use your credit card.
Since PayPal generally takes only minutes to setup and can be used immediately, we expect
your payment to arrive within three (3) days of the time you confirm your order. Transmission time
itself normally is but an hour or two.
PayPal recently expanded its services to those living outside the United States and who possess a credit
card. Read about PayPal's International availability. Our
experience indicates that the only way to send a cash-basis payment
internationally is if you already have payment funds in US$ available
in your account.
We encourage you to trade in your games to offset the costs of games you want. See our information on Trade-Ins & Game Sales.
We credit you for trade-ins only after your games are inspected. Depending on the number and condition of
your trade-ins, and other demands on our business, this may take some time.
We accept cash payment. Be aware that you are responsible for the safety of your cash payment until
the moment we receive it. Unless you're sending only a small amount of cash, we recommend that you use
registered mail or another method of payment.