SpeedyFFL offers local pick-up for Texas residents who want to save on shipping cost. Choose "local pick-up" at check out to avoid shipping charges. We do not charge a firearms transfer fee when you buy from us. If you would like to take advantage of the cash discount price, we will adjust the price at pick up and cancel your credit card transaction. There is no requirement to pay cash in advance to get the discount. All credit card funds are approved and held but not charged until you pick-up your firearm.