Payment

• Payment Types Accepted
• Bill Me Later
• Credit Card Security Code
• Promotions and Coupons Terms & Conditions
• Employee Discounts
• Employee Discount Terms & Conditions
• Applying Gift Cards to your Order
• Applying Borders Bucks to your Order
• Applying Coupons & Promotion Codes
• Checkout
• Quick Checkout
• Creating/Updating your Quick Checkout Profile
• Tax Information

Payment Types Accepted

Borders.com accepts the following payment methods:

• Borders Gift Cards
• Visa
• MasterCard
• Discover
• American Express
• Visa and MasterCard branded debit cards
• Bill Me Later.

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Bill Me Later®

What Is Bill Me Later?
Bill Me Later is a secure and convenient payment option that Borders customers can use to purchase items both online and over the phone. While Bill Me Later is a credit account offered through CIT Bank, Salt Lake City, Utah, it is different from other methods of payment. It does not require an existing account, has no physical plastic card or 16-digit account number, and there is no pre-set spending limit.

How Does It Work?

Purchasing
Bill Me Later is easy to use! For a Bill Me Later purchase, rather than entering a 16-digit credit card number, expiration date, and security code on the back of your credit card, a Bill Me Later purchase requires only two top-of-mind pieces of information from you:

• Your date of birth
• The last four digits of your Social Security number

With Bill Me Later you never have to get out a wallet or purse or read information off the back of a card. As long as you have internet access or a phone to place an order, the purchase can be completed with easy-to-remember information.

Billing
Customer billing for Bill Me Later purchases is easy and convenient. Bill Me Later sends the first statement to you approximately 10 days after your initial purchase. Customers that continue to use their Bill Me Later account after their first purchase have two options when receiving their monthly statements detailing balances owed and additional purchases:

• Monthly paper statements.
• Electronic statements available by going online at www.billmelater.com

Payment
Bill Me Later makes paying for purchases easy!

• Pay in Full: If you pay the balance on your Bill Me Later bill in full before the end of the monthly grace period, you are not charged any interest on the purchases that appear on that monthly bill.
  
  The monthly grace period for Bill Me Later is 25 days after the date that appears on their monthly bill.
• Monthly Payments: If you wish to pay a portion of your bill, you can submit a payment to Bill Me Later for at least the minimum monthly payment indicated on your bill. Customers are charged interest on the outstanding balance on their monthly bill.
• No payments for 90 Days with orders over $99: Simply check the box next to "Yes, I'd like No Payments for 90 Days on orders over $99!" on the payment page during checkout to receive this promotional offer. Click here for more information.

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Credit Card Security Code

The Credit Card Security Code is a security feature for credit or debit card transactions, providing increased protection against credit card fraud. As a security safeguard, you will be asked to provide the credit card security code during the setup of a quick checkout profile and for all other credit card transactions.

Credit Card Security Codes location on your card

MasterCard, Visa, and Discover credit and debit cards have a three-digit code, called the "CVC2" (card validation code), "CVV2" (card verification value), and "CID" (card identification number), respectively. It is not embossed like the card number, and is always the final group of numbers printed on the back signature panel of the card.

American Express cards have a four-digit code printed on the front side of the card above the number, referred to as the CID (or Unique Card Code). It is printed flat, not embossed like the card number.

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promotions and coupons terms and conditions

Special promotions and coupons good for savings on specific titles for defined periods of time. When applying one of these offers to your purchase, please read the full explanation of the offer and its restrictions.

Additional details:

• Promotional offers are valid only within dates specified.
• Each promotion code can be used only once. Limit one offer per household.
• Promotional offers may not be applied to the purchase of products sold through third-party partners such as Borders Marketplace.
• Promotional offers may not be applied to previous purchases, gift cards, newspapers, magazines, comics, coupon books, eBooks, digital downloads, self-publishing programs, Smartbox, Rosetta Stone® software, shipping and handling, taxes, and all electronics, including but not limited to the Sony® Reader and the Zune.™
• Taxes, and shipping and handling charges do not apply toward minimum-purchase requirements.
• Promotional offers apply only to the list price of the item.
• Coupons redeemable in-store are applied to the store list price. Online prices and in-store prices may vary.
• Only one promotional offer or discount may be applied to an item.
• When attempting to apply multiple promotions or discounts to items in your order, the best of the offers will be applied.
• Promotional offers cannot be applied to previous Borders.com orders.
• When returning an item you purchased using a promotion code, your refund will be for the item's value after the promotional discount.

Employee Discounts

Employees of Borders domestic locations, including Borders Superstores, Borders Specialty Retail, distribution facilities, and corporate office employees, who are classified as having regular status employment, are eligible to receive an employee discount for orders placed online at Borders.com.

Employee discounts will not apply to the following:

• Gift card orders
• Orders placed at Borders Marketplace for used or out-of-print merchandise
• Gift wrapping
• Shipping charges
• Sony Reader and Sony Reader Accessories
• Rosetta Stone Language Learning products

After creating a new Borders.com account or signing into an existing account, go to "Your Account" and choose "Update Profile." From there you will see a checkbox option for "Yes, I am a Borders employee". Check the box and provide your employee ID number then check the box agreeing to the terms and conditions. For more detail on the terms and conditions, see Employee Discount Terms and Conditions. Finally, don't forget to save your changes to your account profile.

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Employee Discount Terms and Conditions

Discount privileges are granted upon hire to all Borders Group booksellers. Contingent booksellers (in the stores) are only eligible for merchandise discounts during actual weeks worked.

No discounts apply to the purchase of newspapers, gift certificates, non-merchandise items (such as tickets, donations, and shipping fees), store promotional logo items, or permanently marked-down merchandise. The Company Purchase discount cannot be used in conjunction with any coupons or in-store promotions of any type (such as the café frequent drink card). The one exception is the Borders Rewards Borders Bucks; Borders Bucks may be applied in the same transaction as the employee discount. For titles that are sold to the general public at discounts greater than the Company Purchase discount, the bookseller will receive the customer discount instead of the Company Purchase discount. Borders Group reserves the right to review discounts in current categories as well as establish discounts for new merchandise, such as pilot programs.

Discounted items must be purchased for the bookseller's own use, for the bookseller's spouse, domestic partner (as defined by the Benefits plan), benefits-eligible dependents, or as gifts. Discounted items must be paid for with the bookseller's own credit card or gift card. Booksellers may not buy products using their discount and then re-sell those products to non-employees or other retail establishments.

Abuse of the Company Purchase discount is a policy violation that may result in immediate termination. Any bookseller with questions about the eligibility of an item for the discount should ask a manager for clarification.

Booksellers who are separated from the Company for any reason are not eligible for the discount benefit. Ineligibility is immediate upon separation.

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Applying Gift Cards to Your Order

Borders gift cards may be redeemed online as well as in our stores. If you would like to use a gift card, enter the 16-digit number in the "Gift Card Number" field of the payment method page during checkout. Once you have entered the gift card number, click "Apply." If the gift card was applied successfully, you will see the amount of the credit removed from your total in the cost summary. You may apply more than one gift card to an order or use a combination of gift cards. Should the amount of your gift card(s) be less than the balance on your order, you will be required to provide a credit card.

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applying Borders Bucks to your order

Earn and redeem rewards at Borders.com! Be sure to check "Track My Borders Rewards" when you create your account to insure that you will earn your Borders Bucks online. For every $150 in Qualifying Purchases made in our stores or online, we will reward you with $5 in Borders Bucks redeemable online.

You may apply Borders Bucks to your online order. When checking out at Borders.com, you will receive a message informing you of your Borders Bucks balance on Step 1 of the Payment Method page. If you would like to use your Borders Bucks, click "Apply." We will let you know that your Borders Bucks were successfully applied, or you can check the cost summary for a list of all credits and promotions applied to your order.

You may even use your Borders Bucks if you are shopping as a guest. Just enter your Borders Rewards card number during checkout. If you have Borders Bucks available for redemption, you will be able to apply them to your order. Please note that you must use the same email address that is associated with your Borders Rewards account when placing your order.

Borders Bucks cannot be applied towards shipping and handling, gift wrap, or sales tax.

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Applying Coupons & Promotion Codes

We're pleased to offer valuable discounts on thousands of items every day. Those offers include special promotions and coupons good for savings on specific titles for defined periods of time. When applying one of these offers to your purchase, please read the full explanation of the offer and its restrictions.

How to Apply Promotions to Your Order:
1. Add the items you want to your Shopping Cart.
2. From your Shopping Cart, enter any applicable promotion codes in the "apply promotions" section.
3. Enter your shipping and payment information, and you're finished.

Additional Details

• Promotional offers are valid only within dates specified.
• Each promotion code can be used only once. Limit one offer per household.
• Promotional offers may not be applied to the purchase of products sold through third-party partners such as Borders Marketplace.
• Promotional offers may not be applied to gift cards, taxes, or shipping and handling charges.
• Taxes, and shipping and handling charges do not apply toward minimum-purchase requirements.
• Promotional offers apply only to the list price of the item.
• Only one promotional offer or discount may be applied to an item.
• When attempting to apply multiple promotions or discounts to items in your order, the best of the offers will be applied.
• Promotional offers cannot be applied to previous Borders.com orders.
• When returning an item you purchased using a promotion code, your refund will be for the item's value after the promotional discount.

How Promotional Offers Are Calculated in Your Order
Promotional offers and coupons are calculated off of the item's list price and not the discounted price. The amount of discount shown in the promotions subtotal is the promotional discount minus any item discount.

For example:

• Shopping Cart contains 1 item, list price $15.00, selling price $12.00 (20% savings)
• Enter a promotion code for 30% off a single item
• Value of the promotional discount is $4.50 (30% off list price)
• Item Total shows the selling price of $12.00
• Promotions breakdown shows $1.50 (promotional discount value of $4.50 minus the selling price discount of $3.00)
• Order Subtotal shows a price of $10.50

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Checkout

Once you have added all items into your shopping cart, you are ready to complete the order process.

• From your shopping cart, click "Check Out." You will be prompted to log into your Borders.com account if you haven't already, or you may continue "Shopping As a Guest." If you were already logged in, you will be directed to the next step. If you previously created a quick checkout profile, you may process your order using this option at this time. For more information on this feature, please see Quick Checkout and Creating/Updating Your Quick Checkout Profile.
• Enter your shipping and billing address(es), as well as your email address. Your email address will be used to keep you updated on the progress of your order. Click "next" at the bottom of the page.
• If you are prompted to verify your address, you may choose the corrected address, or select "No, the address I entered is accurate." Click "Next" at the bottom of the page.
• Choose your shipping method, and click "Next" at the bottom of the page.
• Enter your Borders Rewards number. If you have previously registered your Borders Rewards account, your number will be automatically applied to your order. You may also enter Borders Bucks or any coupons or promotional codes at this time.
• Enter your payment method (credit card, gift card, or Bill Me Later) and click "Next" at the bottom of the page.
• Carefully review your order. You may make any necessary corrections by clicking "Edit" under the section that you would like to change. Complete your order by clicking "Order Now." You may cancel your order at this point by selecting "Cancel Order" at the bottom left of the order screen. Please note that once you have clicked "Order Now" your order cannot be edited, canceled, or changed in any way.
• After submitting your order, you will receive an email confirmation that will list the details of your order. You will receive another email once your order ships.

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Quick Checkout

You can save time ordering at Borders.com by utilizing our Quick Checkout process. Quick Checkout allows you to set up a profile containing your preferred billing and shipping address(es), shipping method, and payment method.

In order to use the Quick Checkout feature you must have a Borders.com account. For more information on how to set up or change your information, see Creating/Updating Your Quick Checkout Profile.

To process an order using Quick Checkout:

• Click "Sign In," located at the top of each page. Enter your username and password and click "Sign In."
• Place the items that you wish to purchase in your shopping cart.
• Once you have chosen all of your items, click "Quick Checkout."
• You will be directed to the order summary to review your order. You may make any necessary corrections by clicking "edit" under the section that you would like to change. Complete your order by clicking on "Order Now." You may cancel your order at this point by selecting "Cancel Order" at the bottom left of the order screen. Please note that once you have clicked "Order Now" your order cannot be edited, canceled, or changed in any way.
• You will receive a confirmation email that lists the details of your order. You will receive another email once your order ships.

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Creating/Updating your Quick Checkout Profile

Creating a Quick Checkout Profile only takes a few minutes.

• Click "Your Account," located at the top of each page.
• Sign in to your existing Borders.com account. If you do not have an existing account, you will need to create one. For more information, see Creating an Account.
• Click"Quick Checkout Profile," and add your preferred, default billing and shipping addresses.
• Click "Next" at the bottom of the page.
• Choose your preferred, default shipping method and credit card information. Click "Save" at the bottom of the page.

To update your Quick Checkout Profile:

• Click "Your Account," located at the top of each page.
• Sign in to your existing Borders.com account.
• Click "Quick Checkout Profile". Your current profile information will be displayed.
• Click "next" at the bottom of the page.
• You may change any of the stored information including billing and shipping addresses, preferred shipping method, and/or credit card information.
• Click "Save" at the bottom of the page.

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Tax Information

Your Borders.com purchase includes sales tax as required by law. We charge sales tax on items that are shipped to, delivered to, or picked up in states where we are required to do so.

Borders.com is required to collect tax in all states where we have a physical presence. The tax amount reflects the applicable state and local rate. Each of the 50 U.S. states and Puerto Rico has established state tax regulations.

AL, AR, AZ, CA, CO, CT, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, NC, ND, NE, NJ, NM, NV, NY, OH, OK, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, AND PR

States with no sales tax:

AK, DE, MT, NH, OR

Shipping and Handling Tax Information:

Applicable sales taxes are added on charges for shipping and handling to:

AR, CO, CT, DC, FL, GA, HI, IN, KS, KY, LA, MI, MN, MS, NC, ND, NE, NJ, NM, NV, NY, OH, PA, RI, SC, SD, TN, TX, VT, WA, WI, WV

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