We want your online shopping experience to be effortless!
That's why we have several payment options for you to choose from.
Available for purchases from 22/08/2019.
Shop now. Pay later. A more flexible way to shop.
Try your items at home and pay for them later. You can easily choose how to pay in the H&M app or at hm.com.
You need to be an H&M member to be able to use our Pay later services with Klarna.
Shop online and in stores, Pay later works everywhere. You need the H&M app to use Pay later in stores.
Keep control - purchasing power allows you to keep track of how much you can spend.
View all your purchases and manage your invoices however you like under My Account.
More information about Pay later and how to use it in stores and online can be found here.
You can find your payment information here.
Try first, pay later. You pay only for the items you keep. You have up to 30 days to pay for your purchase.
As soon as your order has been dispatched, you'll receive information from Klarna on how and when to complete your payment.
Shop now and pay over time with monthly instalments.
You'll receive further information from Klarna after making your purchase.
Please note, H&M is unable to provide any details if you're not eligible to pay using our Pay later services.
If you have any questions regarding your payment, please contact Klarna customer service.
Find out more about the various Klarna services by visiting klarna.com.
- We accept cards bearing the MasterCard or Visa 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.
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.
Pay in just a few steps:
1. Select PayPal as your payment method at the checkout.
2. You'll then be redirected to the PayPal website to proceed with the payment.
3. If you're already a PayPal customer, you can log in with your user details and confirm the payment. If you're new to PayPal, you can create a PayPal account and then confirm the payment.
4. You'll then return to hm.com and your order and payment will be complete!
You can use both our physical gift cards and e-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.
Can I continue to use invoice, pay next month or instalments?
We no longer offer these payment methods as of 22/8, instead you can use our new Pay later services by Klarna.
What will happen with my current H&M payments?
You will continue to pay as you do today until there is no outstanding balance left.
Will I continue to receive monthly H&M statements via mail?
Yes, until the account is clear.
Will I be able to transfer my current H&M limit to Klarna?
Your current limit will not be transferred.
Will I be able to shop with Pay later even though I have an outstanding balance with H&M?
Pay later is available to any eligible customer, even if you have an outstanding balance at H&M.
What is Pay later?
It is a new payment method that we offer, in collaboration with Klarna. You can find more information about Pay later here.
Available for puchases before 22/08/2019.
If paying for an order placed before 22/08/2019, please transfer the funds to H&M.
Account no. 73769917, sort code 20-00-00.
Make sure you provide us with your reference number, as stated on the invoice, in the reference box when making your payment.
INVOICE - PAY WITHIN 20 DAYS
Free of charge
The invoice is sent to your email address when the order is dispatched.
Pay within 20 days after the invoice date.
PAY NEXT MONTH
Administrative fee of £1.25
All your purchases and returns made in one month are added to a statement, which you'll receive the following month.
Annual interest rate of 17.90%
Split your payment
Split the payment for your purchases over several months.
You'll pay an equal amount every month until you've paid off the full amount.
You have two payment-free months each year.
At least four correct payments need to be made between the payment-free months.
The first payment-free month can be taken after four months of correct payments.
Effects of non-payment on your credit rating
If you fail to make payments, we'll report the non-payment to credit reference agencies. Continued non-payment will result in a default being recorded, affecting your credit rating.
You have the right to pay off the full amount owing at any time without incurring extra charges.
Please contact Customer Service team if you'd like to pay the outstanding balance in full.
Invoice and Pay next month
If payment isn't made by the due date, we'll charge you a late payment fee of £7 for each payment reminder letter we send to you. If you don't pay what you owe, we reserve the right to sell the debt to a debt purchasing company, which will collect the balance.
You'll be charged £7 for each notice we send to you. We'll send one reminder per month, asking you to catch up with your payments. Default notices are currently charged at £12. If you don't pay what you owe, we reserve the right to sell the debt to a debt purchasing company, which will collect the balance.