Question 1

Afterpay

Accepted Answer

Our partner Afterpay is a payments service provider who allows you to buy now and pay later, letting you break down your payment into four equal, interest-free instalments.How it works: Select “Afterpay” at checkout. You will be redirected to the Afterpay website to process the payment. Log into or create your Afterpay account, for an instant decision on approval. You will then be redirected back to hm.com and your order and payment are completed. The instalments are automatically deducted from your card. When your order has been dispatched in the warehouse, the first payment will be taken from your card. The three remaining payments will be deducted every 14 days after the first payment is taken.All you need to apply is to have a debit or credit card, to be over 18 years of age, and to be a resident of Australia.Please note that late fees and additional eligibility criteria apply. The first payment may be due at the time of purchase. For complete terms visit afterpay.com/en-AU/terms.To manage your payment, please proceed to our partner's app or website. If you have any further questions or need help with your payment, please contact Afterpay Customer Service.

Question 2

Klarna

Accepted Answer

Klarna is a trusted payment partner, offering flexible ways to pay — including: Pay in full today, Pay later, and Pay in 4 interest-free instalments.  Online, the available options will appear at checkout; in store, Pay later is available. Please note that Klarna’s payment methods are exclusive to H&M Members.Explore Klarna’s Terms & Conditions at klarna.com. For questions or payment support, contact Klarna customer service.After your purchase Under “Payment with Klarna” in your H&M account, you’ll see all purchases made using Klarna. Depending on your chosen payment option, you can: Pay or schedule a payment Snooze the due date Pay over time (additional fees may apply) Report a return (to pause your invoice or adjust your payment plan)Please note that payment options, terms, and features may vary depending on your market and may be updated over time.

Question 3

Card payment

Accepted Answer

We accept cards with MasterCard, Visa and AMEX symbol Keeping your online payments secure is our number one priority. That means you might need to verify your card payment with 3D Secure to complete the transaction. Contact your bank to learn more about 3D Secure authentication.Encrypted transaction for your safety H&M guarantees that your details are completely safe with us. All information is sent encrypted to ensure total security of any sensitive information. Read more in our Privacy Policy.Debit at dispatch of your order If the card transaction is approved, the amount will be reserved immediately and you will receive an order confirmation to your email. Your card will be debited when we dispatch your order.If the card transaction is not approved your order will be canceled. Please contact your bank or card provider if you have any questions about this.

Payments