Question 1

Klarna

Accepted Answer

Klarna is a trusted payment service provider that offers consumers flexible methods to afford their purchases.Klarna payment methods are available online and in stores exclusively for H&M Members. Becoming an H&M Member is completely free. The options that are available to you will be presented at checkout.PAY IN 30 DAYS 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.* After 30 days, your payment will be automatically deducted from your card with no additional charge.*See payment terms. CA resident loans made or arranged pursuant to a California Financing Law license. 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 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 Klarna purchases in your H&M 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. Please note: a small cost may apply.•  Report a 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.•  Manage card Update your card details for your Pay in 4 purchases.GOOD TO KNOW • For your safety, H&M will occasionally ask to see your ID.  • When activating Klarna, or checking out online with any pay later method, you'll automatically have the option to pay later in-store with the H&M app.  • Klarna is not available online or in any H&M store within the US territories. FURTHER INFORMATION Please note that H&M is unable to provide 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 Klarna's customer service.You can find Klarna's Terms & Conditions on klarna.com.

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 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 with MasterCard, Visa, Discover, American Express, JCB and CUP logos. 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.

Payments & Sales tax

Payments

Sales taxes