Klarna is a trusted payment service provider that offers consumers flexible methods to afford their purchases.

H&M x Klarna payment methods are available online and in-store exclusively for H&M members. The options that are available to you will be presented at checkout.

PAY LATER
With Pay later, H&M members get up to 30 days to pay. You can shop, try on items at home, and only pay for what you keep. No interest. No fees. No impact on your credit score.*

*See payment terms. CA resident loans made or arranged pursuant to a California Financing Law license. 

As soon as your online order has been shipped, you will receive an email from Klarna with information on how to submit your payment.

Pay later also works in our stores. Just activate Pay later in the H&M app and scan your membership QR-code at checkout. After your purchase is registered, Klarna will send you an email with your payment information.

PAY IN 4 INTEREST-FREE INSTALLMENTS
Shop now and spread the cost into 4 interest-free payments. The installments are automatically deducted from your card. The first payment is taken when your order ships. The three remaining payments will be deducted every 14 days from your first payment. A minimum purchase of $10 is required. Available online only.*

*See payment terms. A higher initial payment may be required for some consumers. CA resident loans made or arranged pursuant to a California Financing Law license.

AFTER YOUR PURCHASE 
You can view information about all of your H&M x Klarna purchases in My Account. You can also:

• Pay your invoice 
 View all your purchases and pay your invoices all at once or at a scheduled time.
• Snooze
 Need more time to pay? Postpone your due date, a small cost may apply (possible for Pay later and Pay in 4 interest-free installments).
• Report a return
Would like to return an item? If you report your return, your invoice from Klarna will be put on hold until your return is handled.
• Manage card 
Update your card details for your Pay in 4 purchases.

FURTHER INFORMATION
Additional details about Klarna's payment methods and how to use them online and in-store can be found here.

Please note that H&M is unable to provide further details if you're not eligible to pay using our H&M x Klarna services.

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

You can find Klarna's Terms & Conditions on klarna.com.

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

1. 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.

We accept cards with MasterCard, Visa, Discover 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.

You will be charged when we ship 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 not be charged until we ship 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.
3. Make sure to click “add” to apply the gift card towards your purchase.

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.