For all credit card orders shipped within the U.S., you will not be charged until 3 days after your order is delivered (details). This allows you to examine your diamond before you buy.

You will be charged only the amount shown on your order confirmation, unless prior to shipment you make changes to your order which affect the total.


Lumera Diamonds accepts Visa, MasterCard, Discover, American Express, PayPal, and Bank Wire. Financing through PayPal Credit is available on PayPal purchases (subject to credit approval).

Bank Wire

A bank wire is an immediate transfer of funds, initiated by you, from your bank account to Lumera's. A bank wire eliminates the transaction charges imposed on the merchant by the credit card issuer or paypal. This savings is passed directly to you in the form of a 2.5% price discount.

Please Note: Some financial institutions charge a small fee (usually under $20.00) for initiating a bank wire. Paying by bank wire also requires that you have sufficient funds on deposit with your bank to cover your purchase. An ACH transfer is not the same as a wire transfer. ACH transfers are not accepted at this time.

If you would like to pay by bank wire, simply send an email to Please include a link to the page containing the diamond you would like to purchase, or include the diamond's item number (found on the diamond's page). Within 4 business hours, you will receive complete instructions for completing the bank wire transaction. In most cases, a bank wire does not delay the delivery date for an item.

For questions regarding payment options, please call 1-888-6LUMERA or contact us at You can also chat online; a representative will usually respond immediately during store hours.