Billing & Payment

Billing & Payment - FAQs

  1. What types of payment do you accept?

    On the website, we accept Visa, MasterCard, American Express, Discover, PayPal, JCB, Apple Pay and Amazon Pay. Please call our Customer Service Department at 888-632-3552 or email if you have any questions. Customers shopping at the store have additional payment options. Call or come in for details.

    Credit card orders can be placed online using our secure server or over the phone with our Customer Service Department.

    Many customers purchasing items valued over $1,000 prefer paying by bank wire. Bank wire orders receive a 2% discount from our listed price. We must receive confirmation from our bank that a wire transfer has been completed before items can be shipped. To learn more about paying by bank wire, please Contact Us.

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  2. Do you accept International credit cards with billing address outside of the U.S.?

    Yes, we accept international credit cards with a billing address outside of the U.S. as long as you provide a valid U.S. shipping address.

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  3. When will my credit card be charged?

    We’ll first authorize your credit card to make sure there is sufficient credit available at the time of purchase. A hold will be placed on your card for an amount equal to your order until your order has shipped. Special orders will be charged when the order is accepted.

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  4. Will I receive a discount if I pay by bank wire?

    Yes. Bank wire can be used to pay for purchases. Bella Cosa Jewelers applies a 2% discount to your order when you use a bank wire. Please note: some financial institutions charge a fee for using a bank wire. Please contact us and we will provide the necessary account information to successfully transfer funds from your account into a Bella Cosa account.

    A bank wire may take the bank up to two business days to process, so we will keep your order here for those two business days. Once your bank has transferred the funds, Bella Cosa will be notified and your purchase will be shipped. If you have any questions about the steps involved in a bank wire, contact your bank or call Bella Cosa Jewelers Customer Service at 888-632-3552.

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  5. My order didn't go through but you have taken money from my account.

    If your order has failed but it appears that the money has already been taken from your account you may be experiencing an "amount pending".

    When placing an online order, your bank immediately puts a hold on the funds for us to capture during order processing. During order processing, if the information provided during checkout does not match the information on the credit card being used, the funds captured will be denied and the order will not be processed. When the transaction fails we do not receive the money. Since the transaction failed, this amount will not be taken from your account and will be reset by your bank or card issuer.

    Your bank may hold the funds as unavailable until the authorization/hold expires. This hold will typically drop off in 3-5 business days. Please contact your bank if you have any further questions regarding fund holds.

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  6. Does Bella Cosa Jewelers offer financing?

    Bella Cosa Jewelers has financing options available with approved credit to fit your needs. We’ll work with you to find the perfect financing solution. 

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