What payment options are accepted by Cowboys Western Art? We accept all major credit cards (Visa, Master Card, American Express, and Discover), Pay-Pal, Orders paid via credit card are not charged until the item or first item ships on the order. Prior to shipping, we have only received a pending pre-authorization request from your financial institution. When we request an authorization for your purchase, your financial institution may place a hold on your account for the amount of that pre-authorization request. While your financial institution may place a hold on the pre-authorized amount, your account will only be charged for the actual transaction amount when the transaction is processed. With most financial institutions, they will remove a pre-authorization hold from your account when the actual transaction amount is debited from your account or three to five business days after the pre-authorization request, whichever occurs sooner. Since policies vary between different financial institutions, we recommend that you contact your financial institution with any further questions about a pre-authorization.Cowboyswesternart.com cannot release pre-authorization holds.