When your order is placed, your credit card will NOT be charged until we confirm we have everything in stock and will email you right away with confirmation. Shipping rates are ESTIMATED, so usually you will be charged LESS than the order confirmation total that PayPal sends to you. Your total charged (less for shipping/discounts) will be in the email from www.quilteddragon.com You will be redirected to PAYPAL for payment information but you do NOT have to have a PAYPAL account, you may use MC, VISA, Discover, or AMEX. Thanks for ordering from The Quilted Dragon !