Question 1

Klarna

Accepted Answer

Our partner Klarna is a trusted payments service provider, who is offering flexible shopping and purchase experiences to consumers around the world.Klarna consists of different payment methods available online and in store exclusively for H&M Members. Becoming an H&M Member is completely free. The options that are available to you will be presented at the checkout.Klarna will perform a soft search when you choose Pay in 30 days or Pay in 3 Instalments. This search is not a full credit check and it will not affect your credit rating or be visible to others. You will, however, be able to see the search.Not settling your payment on time could affect your ability to use Klarna in the future. We encourage you to spend responsibly, remember to keep up with your repayments to avoid late payment fees and damage to your credit file. Pay later is a form of credit, H&M is not the lender. For debt and money advice please reach out to https://www.moneyadviceservice.org.uk.You can easily settle your Pay later invoice by going to 'Payments Klarna' on your H&M Member account page, select the purchase you would like to pay for and choose a payment option. If you have chosen to Pay in 3 Instalments, it’s important you ensure enough funds are available to complete your payment on the due date.PAY IN 30 DAYS With Pay later H&M Members get more time to pay. You can shop now, try at home and only pay for the items you keep, up to 30 days later. No interest.For online purchases, select your pay later option at checkout and complete your purchase. As soon as your online order has been shipped, you will receive an email from Klarna with information on how and where to pay.Our Pay later service also works in our stores. You activate Pay later in the H&M app, and then scan your membership QR-code at the checkout in order to use Pay later. You can find your QR code on your account page in the H&M app. Immediately after your purchase is registered, Klarna will provide you the payment information via email.PAY IN 3 INTEREST-FREE INSTALMENTS Shop now and spread the cost into 3 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 two remaining equal payments will also be taken from your card 30 and 60 days after the first payment. Minimum purchase of £35 required. Available online only.AFTER YOUR PURCHASE Under your H&M account, Payments with Klarna, you can see information about all your purchases made with Klarna payment options. You can also:   • Pay your invoice See all your purchases and pay your invoices at once or at scheduled time. • Snooze Need more time to pay? Postpone your due date, a small cost may apply (possible for Pay later and Pay in 3 interest-free instalments). • Report return Would you like to return an item? If you report your return via the Klarna section in your H&M account or directly at Klarna, your invoice from Klarna will be put on hold until your return is handled.FURTHER INFORMATION H&M Hennes & Mauritz UK Ltd is not a lender and acts only as an introducer.  Klarna's Pay in 3 and Pay in 30 days are unregulated credit agreements. Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. 18+, UK residents only. Subject to status. Late fees may apply. T&Cs apply.Please note that H&M is unable to provide any further details if you're not eligible to pay using our Klarna services.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.

Question 2

Apple Pay

Accepted Answer

Apple Pay is available when shopping on Apple devices and online in SafariBefore you can use Apple Pay, you must activate it in your Apple account and device.Making a purchase using Apple Pay1. Select Apple Pay as your payment method in checkout.2. Confirm the payment on your Apple device.3. You'll be directed to hm.com when your order and payment are completed.

Question 3

Card payment

Accepted Answer

We accept cards bearing the MasterCard, Visa and American Express 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 your 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 on dispatch of your order If your card transaction is approved, the amount will be reserved immediately and an order confirmation will be sent to your email address. Your card will be debited when we dispatch your order.If your card transaction isn't approved, your order will be cancelled. Please contact your bank or card provider if you have any questions about this.