Almost all of them come in CSV format which can be edited or viewed using Excel. We have a few in text, the product page will state what format they are in.
Currently we accept:
Paypal (you do not require a Paypal account)
After your payment is clear you should receive a link to your database file within 2-8 hours. (Custom email lists take 24-48 hours). If you do not see the link within that time, please check your spam/junk folder. If still not there please contact us and we will gladly send again.
These lists come from a variety of sources. We make deals to purchase consumer lists from different companies in bulk who have asked to receive offers. Homeowner lists are built from census data and other sources and we have a partnership with a network of websites that have opt-in forms.