Payment Policy

We accept the following methods of payment:

• Credit cards: Visa, MasterCard, and Discover from US banks. (Sorry, we do not accept American Express.)
• Checks: Personal checks from US banks take about 7 days to clear. Certified bank checks clear in 3–4 days.
• Bank wire transfers: Funds are applied as soon as they arrive. Email for details.
• USPS Money Orders: Applied right away once received.
• Western Union: No delay once received. You can also use the Western Union app on iPhone or Android to pay by credit card.
• Electronic check payments: Most banks now offer online bill pay. You can set up BoatsToGo as a payee, and your bank will send the check for you—no need to write or mail anything.
• Zelle: The fastest option. You can send payment instantly through your bank’s online banking or mobile app. If your bank doesn’t offer Zelle, download the Zelle app and connect it to your account. Some banks may set a daily transfer limit (often $500 for new users). If that happens, you can split the payment over two days—it’s still much quicker than mailing a check. To pay with Zelle, place your order online, select “Check Payment” at checkout, and then send the payment via Zelle to sales@boatstogo.com We’ll receive confirmation directly from our bank and match it to your order so we can mark it paid and get it ready for shipping.

For ALL credit card payments:

• Due to the high value of some products, we ship only to the address where the customer receives their credit card billing statements. In other words - we ship ONLY to the credit card BILLING address. NO EXCEPTIONS! We are required by credit cards to ship to the billing address in order to be protected against credit card frauds and chargebacks.
• If the customer needs to ship to the address that does not match the credit card billing address, or if your billing address is a PO BOX, and you need to ship the merchandise to your alternative home address, these are the options: Payment by Personal or Bank check, Money Order, Western Union, Bill Pay, Zelle or Bank Wire transfer.
• Customers may also contact a Credit Card issuing Bank and temporarily set an alternative shipping address as the PRIMARY Billing Address. These changes has to be done 12 hours BEFORE order is placed, because it takes time to update new address into card system. After item has been shipped out, the customer may contact his/her Credit Card issuing the Bank once again and switch the Billing Address back to the original.
• We DO NOT accept credit card payments for orders outside of the Continental US or Canada. Payments outside of Continental US or Canada are accepted in a form of Bank Wire transfer or Western Union. Please visit our Shipping policy for more information about shipping abroad.
• All local pickup orders paid by credit cards are ONLY released to original credit card holders with proper identification present, with credit card used to place order in hands and ready for verification. Items will NOT be released to 2nd or 3rd parties, only to original credit card holder who must sign on invoice at the time of pickup.
• ORDER CANCELATIONS/REFUNDS. PLEASE READ!!! All refunds for credit card orders that are canceled or refunded after the card has been processed are subject to transaction fees. Each time a credit card is processed or refunded, the merchant bank charges a 3% fee.
  If an order is canceled or refunded for reasons not caused by us, refunds for orders over $500 will be issued either by check with 3% deducted from the total refund or back to the credit card with 6% deducted from the total. Please ensure that you enter the correct billing address and fully understand what you are ordering, including your needs and deadlines, before placing an order with a credit card. Credit card processing is not free, and it is the customer’s responsibility to verify the correct billing address. Please check your credit card billing statement to confirm.

All payments from Alaska, Hawaii, Caribbean or Puerto Rico and abroad have to be in the form of either:

• USPS Money Order
• Certified Bank Check
• Bank Wire Transfer
• QuickPay by Zelle (scan QR code at the bottom to pay)
• Western Union.

It is easy to pay via Western Union directly from your cell phone using new WU Money Transfer App for iPhone and Android phones. Western Union now accepts credit card to send payments directly from your cell phone. Also, Zelle Quick Pay is instant payment option directly from bank account.

No COD or Financing. All orders must be paid in full before delivery. All local pickup orders are subject to a 7% FL state tax.

We ship ALL products over $500 in value via FedEx Ground with Signature confirmation. FedEx Ground does not deliver to PO Boxes.

Please email with your name/address and model number to request an Invoice if needed.

Frequently Asked Questions:

Question: What if I am not at home and want boat to be shipped to different address?

Answer: Payments made by check, USPS money order, bank wire transfer, online bill payment, or Western Union can be shipped to any address in the lower 48 states, except PO Boxes. If you would like to pay by credit card and ship to a different address, the only option is to contact your bank and temporarily set your shipping address as the primary billing address on your credit card before placing the order with us. After you receive your boat, you can call your bank again to switch the billing address back to its original setting.

Question: Why are clearance on personal checks so long, 7 days?

Answer: We recently had a customer cancel their order by placing a stop payment on a personal check without notifying us. To prevent delays, if your order needs to be shipped to an address different from your credit card billing address, please use a bank wire transfer for payment. Wire transfers are fast, secure, and can be sent online, by phone, or in person at any bank. Blank Pro Forma Invoice available here.

Question: What if I need to ship to address different than billing?

Answer: Alternative solutions to ship to address different than a billing. Please choose 1 of these options:

[A] Payment by Personal or Bank check, Money Order, Western Union or Bank Wire transfer. Please email for more info.

[B] Customers may also contact a Credit Card issuing bank and temporarily set an alternative shipping address as a Primary Billing Address. These changes have to be done before order is placed, because it takes 24 hours for cards to update new address in a system. After order has been shipped, customer may contact his/her Credit Card issuing the Bank once again and switch the Billing Address back to the original.

[C] With ZELLE you can send payment directly from your on-line banking. See https://www.zellepay.com/get-started to find out if your bank offers that option. Simply login into your on-line banking app on your phone, and look for Zelle payment option. For example, if you have Chase bank, login at chase.com, and select Zelle, under Pay & Transfer. If your bank or credit union doesn't offer Zelle, then download the Zelle app from App store of your cell phone. Scan Zelle QR code at the bottom of this page.

[D] To confirm credit card ownership, and have item shipped to alternative address, we will need following additional documentation, after order has been placed: Picture of your Driver License.Picture of back of your credit card. No need for front of card. Signed invoice, with signature matching both driver license and back of credit card. Simply print and sign invoice, place driver license and back of credit card at the bottom of invoice, make clear picture with cell phone while holding it horizontally, so that invoice is fully visible, and then email to sales@BoatsToGo.com. Please click on image below for example. 

Question: Why are you saying address does not match, when I know it is correct billing address?

Answer: There are several reasons why AVS might report customer provided address as no match to a billing. 1) Cardholder have more than one address on file with credit card - billing address and mailing address and/or secondary address. Mailing address where cardholder receives card statement is what we need as billing. Not billing, not secondary. 2) Sometimes customers have apartment or suite as first line of address, with house and street on 2nd line of address. AVS matches by 1st line of address, not 2nd. It is advisable to change billing address with card, so that apartment or suite is on 2nd line, where it should be. 3) Customer receive statement on PO Box, not actual home address.

Question: Why do you make it difficult to buy, I never had this problem before with other sellers?

Answer: It is not our intention to make purchase difficult. However, as per credit card requirements, in order for us, seller, to be protected against chargeback or fraud claims, we must either; 1) ship to credit card billing address, and receive positive confirmation from AVS system. Or, 2) have on file customer's signature on invoice, picture of driver license. We also need to match signature on back of credit card to signature on invoice. Due to some number of stolen credit cards, and claims of fraud, we must follow above requirements to avoid financial loses due to high cost of our products.

Question: How voided transaction different from refunded?

Answer: A void transaction is a transaction that is canceled by a merchant or vendor before it settles through a consumer's debit or credit card account. Although a transaction may be void, it does not appear on the customer’s account statement. It may appear as a pending transaction when the customer checks their account online. A void transaction is a transaction that is canceled before it settles through a consumer's debit or credit card account. When a transaction is voided, it shows up as a pending transaction on the customer's account for a short period of time, while the process is being completed. Void transactions are different from refunds, which are issued after the transaction has cleared through the customer's account. Mistaken charges, incorrectly-charged merchandise, and fraudulent purchases are the most likely to be voided. When a transaction takes place, the merchant charges the customer's debit or credit card. If there are enough funds in the customer's account, the terminal authorizes the transaction. But the transaction is not fully settled, as payment has to be released from the customer's account to the merchant. If there is a problem with the transaction, it can be voided—even though it hasn't settled. Since the transaction is pending and has not cleared the customer's account, it means the sale can be prevented from going through. The hold can last anywhere from 24 hours to several weeks causing the customer an inconvenience because they won’t be able to access the money during that time. Therefore, it is important to make sure that customer know correct billing address before placing order. Void transactions are different from refunds. With void transactions, no money is ever actually transferred from the customer’s debit or credit card company to the merchant. But refunds are issued after a transaction has settled and the customer has paid for the good or service.Unlike void transactions, refunds can take a much longer pass through to a customer's account. Some refunds take as little as 48 hours to reflect on a customer's account, while others can take as long as 30 days.

Click Here for more information about our Shipping Policy.

Scan Zelle QR Code