Holy Card Immaculate Paper Lace Holy Souvenir Of 1St Communion Holy Card Lace Holy Card Of St Holy Cards Jesus Antique Catholic Holy Card Spanish Holy Card Holy Prayer Cards 1St Communion Holy Card Paper Photo Holy Card Holy Card Print In Italy Antique Holy Cards Holy Card Lace Canivet Saint Holy Prayer Card Mary Vintage Catholic Holy Cards 1St Communion Memento Holy Card Catholic Holy Card St 1St Communion Memento Religious Holy Cards Holy Card Lace Canivet Jesus Bouasse Lebel Antique Holy Card Goldprint Antique Religious Holy Card Antique Holy Card Of Sacred Heart Bible Lesson Bouasse Jeune Holy Card Goldprint Angels Antique Holy Card Victorian Religious Card C 1880S Catholic Prayer Cards Antique Vintage French Holy Prayer Card Jesus 1St Communion Holy Prayer Card Jesus Vintage Prayer Cards Pope Holy Card French Holy Prayer Card Holy Card Picture Mary Canivet Lace Holy Card Sepia Holy Card Edge Holy Card Qc Holy Card Holy Cards Mary Santino Holy Card Santini Antique Holy Card Vintage Jesus Holy Cards Of St Holy Eucharist Litho Holy Card Embossed Holy Card Antique Holy Card Our Lady Lesson Picture Holy Card 1930S Antique W Gold Holy Card St Therese Of Child Jesus Italian Holy Card Memento Die Cut Holy Card Holy Card Art Nouveau Vintage Holy Card Print In Italy Holy Card Dated Infant Jesus Christ Antique Holy Card Vintage Die Cut Bible Picture Talks Bouasse Nice Holy Card Little Bible Lesson Jesus Holy Cards Sacred Heart Holy Card Funeral Holy Card Holy Card Postcard Gilded Holy Card Funeral Prayer Catholic Religious Holy Card Holy Card Visit Holy Card Mater Religious Prayer Card Novena Prayer Vintage Art Holy Card Memento Holy Card Card Of Sacred Heart Of Jesus Holy Card Engraving Jesus Chalice Holy Card Nativity Relic Mm Catholic Holy Cards Bible Picture Holy Card Print In France Holy Card 1920S Vintage Greek Santino Holy Card Antique Holy Card First Communion Card Old Antique Vintage Bookmark Scrapbooking Holy Card Old Antique Vintage Bookmark Pius Pope X Card Virgin Martyr Andachtsbild Santino Catholic Large Holy Card Picture Holy Card Vintage Die Cut Jesus Lesson Picture Cards Holy Card Of Ste Rare Holy Card Vintage Catholic Holy Card St Vintage Catholic Holy Bible Prayer Card Holy Prayer Card Communion Memento H Card Catholic Prayer Card Holy Card Signed French Sacred Heart Holy Card Edit Century Very Rare Engraving Antique Funeral Holy Card German Holy Card Mary Nealis Card Baby Jesus Guardian Angel Card Vintage Bouasse Jeune Funeral Home Memorial Card Family Genealogy Celluloid Holy Card Communion With Jesus Holy Card Paper Late 1800'S French Home Memorial Card Family Genealogy Pa Vtg Dat St Therese Of Lisieux Holy Card Vintage Die Cut Chalice Vintage Death Funeral Remembrance Card 1700 Santino Catholic Holy Card Postcard Lesson Picture Card Vintage French Holy 1700 Santino Saint Extralarge Holy Card Prayer Cards Prayer Cards Lot Antique Holy Card St Vintage Religious Card C1890 Albumen Photo Engraving 18Th St Therese Antique Holy Card-Canivet-Lace-Santino Vintage Holy Cards Vintage Catholic Prayer Remembrance Card Holy Card 1930S Germany Therese Of Lisieux Religious Holy Card Child Jesus Antique Gold Edge Holy Card French Holy Card Dated Saint Cards Prayer Pamphlet Holy Card Pc Religious Cards French Paper Lace Holy Antique French Canivet Lace Holy Card Letaille Pl Vintage Catholic Holy Card Vintage Catholic Large Holy Card Holy Card Child Jesus Card Bouasse Vtg Holy Card Double Holy Card Holy Card Print Rita Of Cascia Holy Card Virgin Mary Memento French 1600 Callot Antique Holy Card Of Saint Antique Holy Card Saint Greek Orthodox Santino Holy Card Holy Card Blessing Holy Card Relic St Cayetano Patron St Of Bread 1St Communion Holy Card Mary Jesus Holy Card 1930S Italy Servant Of God Italy Jesus Christ St Anthony Of Padua Lace Engraving Antiq 19Th Cent Jesus The Good Shepherd Patron St Of France Jesus Giving Vintage Bible Cards Holy Cards Saint Saint Anthony Of Padua Lady Of Mount Carmel Holy Card Print In Canada Antique Rare Holy Card With Relic Santino Antique Rare Holy Card Holy Card Baptism Catholic Christian Paper Gilded Holy Card 1930S Communion Chalice Memorial Cards Saint Therese Mother Mary Nealis Vintage Holy Card Prayer To St French Sepia Holy Card Grey Goldprint St Aloysius Gonzaga St Agnes Pocket Holy Card
 In 
 
Order by: 
Available to: 
Price: 
 - 
eBay Affiliate Links
$
15.00
Buy It Now
Free Shipping
Condition: New
Location: Wheaton, United States
Condition is New.
$
12.50
6d 14h 36m 27s
0 bids
$16.50 Now
$1.50 Shipping
Condition: Used
Location: Greenbelt, United States
LOT 18 Holy Cards - Vintage and Antique. Includes 4 with Paper Easel-stype Stands. (Please see photos). Some have handwriting on the back. Please note ... morethis listing has been revised to total of 18 rather than 16, w two added photos, and 4 with stands instead of 3. Thanks. USPS Ground Advantage Shipping is $1.50 within the United States.
$
14.99
1d 19h 52m 55s
0 bids
$5.00 Shipping
Condition: Used
Location: Lawrence, United States
Large lot, 56 pieces great for crafts, collecting, etc.
$
1.30
Buy It Now
$0.80 Shipping
Condition: New
Location: Rapid City, United States
It has Our Lady of Sorrows on the front and on the back it has a prayer to Our Lady. This is a smoke free household.
$
1.29
Buy It Now
$1.00 Shipping
Condition: New
Location: United States
It's 4" in height, and 2-1/4" across. You have 2 options if applicable.
$
10.99
Buy It Now
$4.02 Shipping
Condition: New
Location: Chesterton, United States
U.S. Law and may not be used, copied or.
$
15.00
Buy It Now
Free Shipping
Condition: New
Location: Wheaton, United States
Condition is New.
$
19.00
1d 21h 34m 29s
0 bids
$7.00 Shipping
Condition: Used
Location: Bedford, United States
Lot of 51 Vintage holy cards and Christian paper empheria. All in great condition
$
15.00
Buy It Now
Free Shipping
Condition: New
Location: Wheaton, United States
Condition is New.
$
15.00
Buy It Now
Free Shipping
Condition: New
Location: Wheaton, United States
Condition is New.
$
15.00
Buy It Now
Free Shipping
Condition: New
Location: Wheaton, United States
Condition is New.
$
1.40
Buy It Now
$0.80 Shipping
Condition: New
Location: Rapid City, United States
This is an Italian Holy Card that has Scalloped Edges. There is Gold highlights along the Trim. This is a smoke free household.
$
15.00
Buy It Now
Free Shipping
Condition: New
Location: Wheaton, United States
Condition is New.
$
15.00
Buy It Now
Free Shipping
Condition: New
Location: Wheaton, United States
Condition is New.
$
15.00
Buy It Now
Free Shipping
Condition: New
Location: Wheaton, United States
Condition is New.
$
15.00
Buy It Now
Free Shipping
Condition: New
Location: Wheaton, United States
Condition is New.
$
1.35
Buy It Now
$0.80 Shipping
Condition: New
Location: Rapid City, United States
It has Saint Pio on the front and on the back it has a Quote of St Pio. This is a smoke free household.
$
35.00
Buy It Now
Free Shipping
Condition: New
Location: Roanoke, United States
Mother Cabrini Holy Card. Saint Frances Cabrini Paper Holy Card. Holy card has a blank back. Card size: 2.0" x 4.0" (51mm x 102mm) 2" x 4".
$
1.39
Buy It Now
$1.00 Shipping
Condition: New
Location: United States
It's 4" in height, and 2" across. Made in Italy. The front shows him carrying Baby Jesus. Pic shows 2 cards, but only one is up for sale.
$
1.29
Buy It Now
$1.00 Shipping
Condition: New
Location: Gaithersburg, United States
It's 4" in height, and 2-1/4" across. Made in Italy On the back, it has a prayer for a cure.
$
15.00
Buy It Now
Free Shipping
Condition: New
Location: Wheaton, United States
Condition is New.
$
15.00
Buy It Now
Free Shipping
Condition: New
Location: Wheaton, United States
Condition is New.
$
15.00
Buy It Now
Free Shipping
Condition: New
Location: Wheaton, United States
Condition is New.
$
1.50
Buy It Now
$0.80 Shipping
Condition: New
Location: Rapid City, United States
Hail, Holy Queen (Salve Regina) Holy Card, Size: 2.5" X 4.5". A Full of Grace USA Original Product. Including Overseas !
$
15.00
Buy It Now
Free Shipping
Condition: New
Location: Wheaton, United States
Condition is New.
$
1.25
Buy It Now
$0.80 Shipping
Condition: New
Location: Rapid City, United States
It has St Joseph on the front and on the back it has a Prayer. Including Overseas !
$
1.30
Buy It Now
$0.80 Shipping
Condition: New
Location: Rapid City, United States
Prayer to the wound in the shoulder prayer on the back. Crown of thorns Holy Card featuring gold edges. Including Overseas ! Card size: 2.0" x 4.0" (51mm ... morex 102mm) 2" x 4". Made in Italy.
$
15.00
Buy It Now
Free Shipping
Condition: New
Location: Wheaton, United States
Condition is New.
$
15.00
Buy It Now
Free Shipping
Condition: New
Location: Wheaton, United States
Condition is New.
$
15.00
Buy It Now
Free Shipping
Condition: New
Location: Wheaton, United States
Condition is New.
$
15.00
Buy It Now
Free Shipping
Condition: New
Location: Wheaton, United States
Condition is New.
$
4.99
Buy It Now
Free Shipping
Condition: New
Location: Grand Ledge, United States
Nicene Creed I believe in the Holy Spirit, the holy catholic Church, the communion of saints, the forgiveness of sins, the resurrection of the body, and ... morelife everlasting. I believe in one God, the Father almighty, maker of heaven and earth, of all things visible and invisible.
$
12.00
Buy It Now
Free Shipping
Condition: Used
Location: Tuckerton, United States
Thank you for stopping by our store today. This antique paper lace Holy Card portrays St. Teresa, a revered Christian saint. The intricate lacework and ... moredelicate design are testament to the craftsmanship of the United States during the late 19th and early 20th century. Whether you are a collector of religious memorabilia or simply appreciate the beauty of vintage paper art, this Holy Card is sure to be a cherished addition to your collection. Handmade with care and attention to detail, this Holy Card is a testament to the enduring legacy of Christian faith and devotion. 2.5" x 4". If you have any questions, please contact us through ebay.
$
2.25
Buy It Now
$1.00 Shipping
Condition: New
Location: United States
Made in the USA. On the back has a prayer with a couple of quotes from him.
$
15.00
Buy It Now
$5.45 Shipping
Condition: Used
Location: Milford, United States
This was found among my mom's things.The card is numbered 305 Bouasse Lebel N.D. Du Carmel. There is a prayer in French on the back.
$
49.95
Buy It Now
$10.75 Shipping
Condition: Used
Location: Kansas City, United States
A CATHOLIC HOLY CARD.
$
1.30
Buy It Now
$0.80 Shipping
Condition: New
Location: Rapid City, United States
This is a Paper Holy card with the measurements of 2 3/8" wide by 4 1/8" high. It has Saint Sebastian on the front and on the back it has the ... morePrayer to Saint Sebastian. I do combine shipping to save you money. This is a non smoking household. Have a fantastic day and Thank you for looking! 2p5ddv.RcmdId ViewItemDescV4,RlogId p4%60bo7%60jtb9%3Fuk%601d72f%2B26rk%3E2p5ddv-146a495ea92-0x113-
$
1.30
Buy It Now
$0.80 Shipping
Condition: New
Location: Rapid City, United States
It has Jesus on the front and on the back it has The Beatitudes. Including Overseas !
$
15.00
Buy It Now
Free Shipping
Condition: New
Location: Wheaton, United States
Condition is New.
$
15.00
Buy It Now
Free Shipping
Condition: New
Location: Wheaton, United States
Condition is New.
$
1.30
Buy It Now
$0.80 Shipping
Condition: New
Location: Rapid City, United States
It has Saint Maximilianon the front and on the back it has a Quote from the Bible. This is a smoke free household.
$
1.20
Buy It Now
$0.80 Shipping
Condition: New
Location: Rapid City, United States
It has the Child Jesus on the front and on the back it has Little White Guest (Communion). Including Overseas !
$
4.25
14h 44m 15s
1 bids
$5.75 Shipping
Condition: Used
Location: Holly, United States
Most from the 1950's to 1970's. Nice mixed lot at a great price.
$
6.98
Buy It Now
$3.99 Shipping
Condition: Used
Location: Waukesha, United States
$
24.75
Buy It Now
$6.95 Shipping
Condition: Used
Location: Canada
Lovely lace work on this papal holy card. Pope Leo was pope between 1878-1903. Many of them were printed in very limited quantities and even fewer survived ... morethe storage and handling throughout the decades.
$
19.99
Buy It Now
$4.43 Shipping
Condition: New
Location: Chesterton, United States
Stand UP cards- Blank back. U.S. Law and may not be used, copied or.
$
6.99
3d 16h 55m 54s
0 bids
$4.39 Shipping
Condition: Used
Location: Bedford, United States
Paper Crafts. I'm always happy to help. Back to the fun part DIY Puzzles.
$
15.00
Buy It Now
Free Shipping
Condition: New
Location: Wheaton, United States
Condition is New.
$
29.00
Buy It Now
$4.95 Shipping
Condition: Used
Location: Chicago, United States
Great antique religious prayer card. Delicate lace paper with holy image. Saint Anthony of Padua. All of our antique holy cards are sold in AS IS condition. ... moreThey are very old and delicate. The wear on them MAY include staining, small tears, broken corners, etc. or other surface wear. Please see detailed pictures provided and take into consideration. Approximately 2 3/4” wide, 4 1/4” tall.
$
2.99
Buy It Now
Free Shipping
Condition: New
Location: Richmond, United States
New Holy Card-.
$
49.99
Buy It Now
$6.00 Shipping
Condition: Used
Location: Hustisford, United States
Antique circa 1880's - 1900's paper lace die cut Holy prayer card of baby Jesus and Saint Joseph. Card was made by Bouasse Lebel in Paris France. Publisher ... more: Bouasse Lebel. Item is sold "as is". Card is in great condition for its age.
$
15.00
Buy It Now
Free Shipping
Condition: New
Location: Wheaton, United States
Condition is New.
$
9.99
Buy It Now
$1.72 Shipping
Condition: Used
Location: Saint Paul, United States
It is in excellent condition.
$
2.99
Buy It Now
Free Shipping
Condition: New
Location: Richmond, United States
New Holy Card-.
$
15.00
Buy It Now
Free Shipping
Condition: New
Location: Wheaton, United States
Condition is New.
$
20.00
Buy It Now
$6.00 Shipping
Condition: Used
Location: Lynbrook, United States
19th C Antique Christian Communion/Holy Card - a lovely image on painted paper lace, the boy on the card is a cut out and has been applied applied to ... morethe front of the card - his black suit is hand painted.
$
15.00
Buy It Now
Free Shipping
Condition: New
Location: Wheaton, United States
Condition is New.
$
1.15
Buy It Now
$0.80 Shipping
Condition: New
Location: Rapid City, United States
It has the Holy Spirit on the front and on the back it has the Prayer to Receive the Holy Spirit. Including Overseas !
$
15.00
Buy It Now
Free Shipping
Condition: New
Location: Wheaton, United States
Condition is New.
$
15.00
Buy It Now
Free Shipping
Condition: New
Location: Wheaton, United States
Condition is New.
1 2 3 4 5 6 7 8 9 10
 In 

Former Listings  
 
VERY OLD!!!! set of paper lace holy cards
Sweet set of old paper lace holy cards. Given to children by the nuns of yester years. One child being a nun herself collected for a number of years in her time at the convent, she died peacefully at the age of 102. Her collection is now being listed set by set.
6 GERMAN PAPER LACE CATHOLIC HOLY CARDS LOT ENGRAVINGS ANTIQUE BENZIGER BROS.
This is a lot of six antique German paper lace religious cards. Two of them have dates on them. One is for the Golden Jubilee of the School Sisters of Notre Dame. 1883. Another is dated 1875. That one is a beautiful one with a color lithograph that shows children and an angel. They are all in German, and I do not read German, but I suspect this one is a memorial card for someone who passed away. It was printed by Benziger Brothers. The other 5 were printed in Nuremberg(Nurnberg) One is a Nazareth scene, one is Jesus with children, one is a sacred heart, one is a Church and Mary with Jesus. Sizes range from 4 5/8" by 3 1/8" down to 3 3/8" by 2 1/8" First-class mailing with insurance is an option for U.S. buyers. Bubble wrap and packing peanuts are used with all fragile items. The first $50 of insurance on Priority Mail ... moreis free for U.S. buyers. There is NO handling fee for packing and shipping. Combined shipping on multiple auction items is always available. All items must be shipped within 24 hours of receipt of buyer's payment during business days to maintain"Expedited Shipping" status. Priority Mail must be the primary shipping option to maintain"Expedited Shipping" status. Packing supplies are recycled whenever possible and from a smoke-free home. New York residents please add 8% Money-back guarantee if notified within 24 hours of receipt of merchandise(excluding shipping costs) Any returned item must be in the same condition as when sold. INTERNATIONAL BIDDERS: Please note that for your protection. ONLY PRIORITY MAIL shipping is available so that tracking information can be provided. Multiple fraud cases from international buyers have made this a necessity; this higher cost shipping method provides security to both the buyer and the seller through tracking information. There is NO handling fee. The buyer is responsible for all import and customs taxes- these are not part of the shipping fee. I strive for repeat business. If the winning bidder is not completely satisf
ANTIQUE 9 Catholic Holy Cards Some Paper Lace Edgings France
A total of 9 old Catholic Holy Cards. Three small paper lace cards have French language comments on them. 2 are without damage and 1 other has some age spots and a bent corner. Small colored pictured lace edge looks to be American made and is in very good condition. Another American card of St Katherina von Siena in color has damage to 3 sides of the paper lace. One larger card is dimensional and has damage to one side. 2 of the remaining 3 are perfect and the last looks like some edging was clipped off. 1?RcmdId ViewItemDescV4,RlogId p4%60bo7%60jtb9%3Feog4d72f%2B%3E%3B1%3F-14798c3b414-0x116-
Lot 35 Religious Holy Cards Catholic Prayer Cards, Book, Paper Jesus 60s-80s NR
Your Bidding On: Lot of 35) Vintage Catholic Holy Cards. Books, Paper(1960s-80s) Nice Collection. They Vary is Size. There Made in either USA& ITALY. MOST ARE MINT CONDITION. Many Photos for Your Convenience. SHIPS WITHIN 24 HOURS. Trusted Top Seller w/ 100% Feedback. Money Back Guarantee. Please let me know if any questions. Check out my other Great Auctions
6 antiques Holy cards paper lace
3 cards are 4¼" x 2¾" one is torn. See pict. 7) 1 is 4" x 2½" 2 are 3¼" x 2 1/8" Paypal only! Shipping: Canada is $1.50 USA is $2.00 International is $4.00
Huge Lot of Vintage Mass Catholic Prayer Religious Holy Paper&Laminated Cards
Huge Lot of Vintage Mass Catholic Prayer Religious Holy Paper& Laminated Cards. Over 120 cards. Excellent Condition. Terms of Sale IL residents pay 7.75% sales tax or provide valid resale/tax certificate. Payment We offer and absorb all paypal costs as a convenience for our customers and to help expedite shipping. Paypal payments expected within 48 hours of receipt of invoice. If this is a problem please email in advance before bidding Please email directly thru ebay and not to our email address Shipping We usually ship within 24 hours after receiving cleared payment We will combine multiple items to save you on shipping whenever possible. The invoice will reflect combined shipping so please wait to pay until you receive the invoice. International Buyers International buyers will be quoted USPS express international on invoice. Import ... moreduties. Taxes and charges and NOT INCLUDED in the item price or shipping charges. These charges are the buyer's responsibility. Please check with your country's customs office to determine what these additional costs will be prior to bidding/ buying. These charges are normally collected by the delivering freight(shipping) company or when you pick the item up- do not confuse them for additioanl shipping charges. We do not mark merchandise values below or mark items as"gifts" US and International government regulations prohibit such behavior. We will only ship Express mail to Russia and the Philippines- or 1st class with the buyer accepting ALL the risk. Returns The items you see are antiques& vintage and have an expected amount of wear from normal use and is not a reason for a return. We do not accept returns based on buyer's remorse or change of taste- we are not selling our items on"approval" Returns accepted if the item has been grossly misdecribed or misrepresented Please email in advance with any concerns directly thru ebay and not to the email address About Us We are a family owned and operated antique store and have been buying& sell
56 VTG.HOLY CARDS MIXED LOT -PAPER & LAMINATED MIX
A NICE ASSORTMENT OF HOLY CARDS& BOOKLETS.BACK OF MASS CARDS HAVE.PRAYER& DECEASED NAMES.GREAT BUY! NO RESERVE.SMOKE/PET FREE HOME.PLEASE WAIT FOR INVOICE BEFORE MAKING PAYMENT. PLEASE NOTE ALL MY ITEMS NEW& USED ARE SOLD AS IS.THANKING YOU IN ADVANCE.I'LL GIVE FEED BACK AFTER ITEM IS RECEIVED.I WOULD APPRECIATE THE SAME IN RETURN.5 STAR FEED BACKS ARE IMPORTANT TO SELLERS.PLEASE READ THOROUGHLY& ASK ALL QUESTIONS& PHOTO REQUEST BEFORE BIDDING.PLEASE ONLY BID IF YOU INTEND TO PAY! Check out my!Be sure to add me to your!
Antique/vintage Catholic Lot Paper Holy Cards
Antique/ vintage paper lot. Catholic. See photos. Some in good shape, some are in fair shape.
LOT of Antique 1800s English and French Paper Lace Holy Prayer Cards and MORE
For sale is a Lot of Antique English and French Paper Lace Holy Prayer Cards. This lot of 25 pieces total also includes other Christian/Catholic memorabilia. Some of these prayer cards date back to the 1890s. You get every piece you see in the photos. Please see all photos for details. If you have any questions please feel free to ask. This great lot of antique Christian memorabilia will make a fantastic addition to any collection. Thanks for looking and good luck! Normal 0 false false false EN-US X-NONE X-NONE
VINTAGE RELIGIOUS HOLY CARDS / PRAY CARDS AND OTHER PAPER ITEMS
UP FOR AUCTION: Vintage religious holy cards/ pray cards and other paper items. approx 143 pieces. most are in good condition. Few have writing on them or creases. the cards date later 1800's on. FREE SHIPPING. Please look at the pictures very closely as I us them as part of the description too. I feel they can describe much better. Its a very useful tool. so don't forget to look, and look again! I thrive on my customers being#1. Please ask questions and I will be happy to answer them to the best of my knowledge. always happy to combine shipping. happy bidding and have fun! Be sure to add me to your favorites list! PLEASE NOT INTERNATIONAL BIDDERS- POSTAGE AS GONE UP AGAIN. PLEASE BEWARE OF THIS BEFORE BIDDING. THX AFTER YOU RECEIVE YOUR ITEM: I thrive on FIVE-STAR feedback! PLEASE contact me before you leave feedback if you feel ... moreI haven't earned five stars from you. Even though it seems insignificant, when a small seller gets even a couple ratings of 1 or 2 stars, that seller can be prohibited from selling on eBay altogether! anything that is breakable I will insure and the price will be reflected in the shipping cost. If you need to make other payment arrangements please let me know Paypal payment, to a confirmed address. Insurance will be reflected in the cost of shipping. shipping to hawaii and alaska and all over water will be a little higher! INTERNATIONAL BIDDERS: Import duties, taxes and charges are not included in the item price or shipping charges. These charges are the buyer's responsibility. Please check with your country's customs office to determine what these additional costs will be prior to bidding/buying. These charges are normally collected by the delivering freight(shipping) company or when you pick the item up– do not confuse them for additional shipping charges. We do not mark merchandise values below value or mark items as"gifts" US and International government regulations prohibit such behavior. Payment arrangements to be