When you place your first order on HBR.org and enter your credit card information and shipping address, 'Speed-Pay' ordering is enabled. 'Speed-Pay' is a service that saves the credit card details from your most recent purchase and allows you to re-use that card for future purchases. If you click the Speed-Pay button on any product detail page, your order will be charged to the most recent credit card information attached to your account and shipped (if applicable) to the last address we have on file for you. Ebook: A digital book provided in three formats (PDF, ePub, and Mobi) for the price of one. Accessible within “My Library” upon purchase. Hardcopy, paperback, softbound, magazine: Physical copy shipped from our warehouse to your requested shipping location. PDF: PDF digital file.

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Accessible within “My Library” upon purchase. Bundle: A themed collection containing two or more items at a special savings. Note: Some of our products are available in other languages besides English, for example a “Spanish PDF” format means you will receive a PDF in the Spanish language.

A security code is added protection against credit card fraud. It is a 3 or 4 digit number appearing on the front or back of your credit card. See examples below. Visa and Mastercard The security code has 3 digits and appears on the BACK of the card in the signature panel.

American Express The Card Identification Number (CID/4DBC) is a four-digit, non-embossed (flat) number that is printed on every American Express Card. The CID/4DBC is ALWAYS located ABOVE the embossed (raised) account number on the face of the card.

In some instances, the CID/4DBC is located on the left side of the card, but is always above the account number. Some cards have a four-digit number embossed below the account number, but this is not the CID/4DBC.