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SmartAuctions will invoice all buyers and release the item after payment is received. A credit/debit card will be required ONLY to verify identity for bidders, but you will not be charged for your purchases on your card UNLESS you specifically choose that option. If you pay with a card you will be charged a 5% transaction fee. If you pay by check after receiving an invoice via e-mail from SmartAuctions the 5% transaction fee will be waived. Your credit card will be charged within 30 days if alternative payments have not been arranged.