Our partner Klarna is a trusted payments service provider, who is offering flexible shopping and purchase experiences to consumers around the world.

H&M x Klarna consists of different payment methods available online exclusively for H&M members. The options that are available to you will be presented at the checkout. 

PAY IN 4 INTEREST-FREE INSTALMENTS
Shop now and spread the cost into 4 interest-free payments. The instalments are automatically deducted from your card. The first payment is taken from your card at the time parcel has been shipped. The three remaining payments will be deducted from your card every 14 days after the first payment is taken. Minimum purchase of $10 required. Available online only. 

AFTER YOUR PURCHASE
Under My Account, Payments H&M x Klarna, you can see information about all your purchases made with H&M x Klarna payment options. You can also: 

• Pay your purchase
See all your purchases and pay them at once.

• Snooze
Need more time to pay? Postpone your due date, a small cost may apply.

• Report return
Would like to return an item? If you report your return, your payment will be put on hold until your return is handled.

• Manage card 
Update your card details for your Pay in 4 interest-free instalments purchase. 

FURTHER INFORMATION
More information about Pay later in 4 interest-free instalments and how to use it online can be found here.

Please note that H&M is unable to provide any further details if you're not eligible to pay using our Pay in 4 instalments service.

If you have additional questions, or need help regarding your payment please contact Klarnas customer service.

Klarnas Terms & Conditions you can find on klarna.com.

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.

Your payment will take just a few steps:

1. Select PayPal as your payment method at checkout.

2. You will then be redirected to the PayPal website to proceed with the payment.

3. If you are already a PayPal customer, you can log in with your user data and confirm the payment. If you are new to PayPal, you can create a PayPal account, and then confirm the payment.

4. You will be returned to hm.com and your order and payment will have succeeded!

You can use your physical gift cards in any H&M store and when shopping online. 

To make an online payment with a gift card, just follow these simple steps:

1. Select 'Add gift card' when paying at the checkout.

2. Enter the gift card number and PIN code in the pop-up screen.

You can use a gift card to pay for your entire order online, or combine it with all other payment methods.

Click here for more information about Gift Cards.

For more information about returns and refunds, click here.

For our Terms & Conditions, click here.