Question 1

Klarna

Accepted Answer

Klarna is a trusted payment partner offering flexible ways to pay including: Pay in full today (Card payment with no fees & no interest) Pay later (Pay in 30 days, interest-free) Pay over time (Pay in 3, interest free)When shopping online the available options will appear at checkout and when shopping in-store Pay later is available within the H&M App.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.Klarna's Pay in 3 / 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. T&Cs and late fees apply. For questions or payment support, contact Klarna customer service.After your purchase Under "Orders" and then “Payment with Klarna” within 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 market and may be updated over time.

Question 2

Apple Pay

Accepted Answer

Apple Pay is available when shopping on Apple devices and online in Safari.Before you can use Apple Pay, you must activate it in your Apple account and device.Making a purchase using Apple Pay Select Apple Pay as your payment method in checkout. Confirm the payment on your Apple device. 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 safetyH&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 orderIf 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.

Payments