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Credit Card and Payment Policies
 

We only accept Visa and MasterCard as forms of payment.  Our Merchant system is through SecureNetShop and SkipJack secure gateway which verifies with the issuing bank the "registered billing address" prior to approval of your payment. No personal information is stored on our servers.  Each credit card company has established policies and procedures that we and you must adhere to. These include proof that you are in fact "the card holder" by means of reasonable identification.

By offering a credit card payment option to our families and friends, we provide a convenient way to pay for merchandise, fees, services, and donations. However, we consider debt as something that must be handled Biblically.  Below are four principles on debt taken from Crown Financial Ministries.

Principle 1: Debt isn’t the best way

When we “Diligently obey . . . the Lord [He] will open for you His good storehouse . . . to bless all the work of your hand; and you shall lend to many nations, but you shall not borrow” (Deuteronomy 28:1, 12). Borrowing is never God's best for His people.

Principle 2: Don’t accumulate long-term debt

The average American family uses 40 to 70 percent of their income for a 30-year mortgage to buy a home; but the longest term of debt God’s people took on was about seven years (see Deuteronomy 15:1-2).

Principle 3: Avoid surety

Surety is an obligation to pay without a guaranteed way to repay, such as cosigning a loan (see Proverbs 17:18). The only way to avoid surety is to collateralize a loan with property that covers the complete debt.

Principle 4: The borrower is absolutely obligated to repay

Annually, millions of borrowers add more debt than they can repay, then choose bankruptcy to postpone or avoid repayment. Some voluntary bankruptcy may be acceptable – but only to protect the creditors, never to avoid payment. God doesn’t allow exceptions to keeping vows. “It is better that you should not vow than that you should vow and not pay” (Ecclesiastes 5:5).