For orders with a merchandise total of $200 or more, you can choose to make three equal payments or pay in full. When you select 3-Pay Option in the checkout process, one-third is charged to your credit card now, one-third charged 30 days from the original ship date and the balance is charged 60 days from the original ship date. A $6 administration fee is applied. Payment amount displayed on product page does not include additional products, taxes, express shipping, engraving or gift wrap options. Any additional charges will be totaled and divided into three equal payments during checkout.