This may be an unwise practice because, it can create ill feelings with your customers. NSF checks are rare. * An increasing number of mail mailing list order companies accept credit cards - Visa and MasterCard - for payment. It is generally felt that it does increase sales. * If you cannot obtain a credit card merchant agreement with your bank work mailing list through a credit card clearing house. A number of these companies advertise in mail order publications. Since these companies generally charge between 6-9%, it may be mailing list wise to set a minimum amount such as $15.00 for credit card orders. * Remember, "the customer" is always right. An argument won,is usually a customer lost. * If you receive an order with an underpayment, ship the order and bill the customer for the difference. * Make refunds on overpayments quickly. * Most mail order companies offer a 30 day money back guarantee. Some offer 90 days mailing list and even more. * It is unwise to offer money back guarantees on items priced very inexpensively, for example, a $3.00 report. RECORD KEEPING * As in any business, it is important to keep records. * You need records to tell you what is going on in your business; to evaluate both your revenues and your expenses. *