Payments

Our partner Afterpay is a payments service provider who allows you to buy now and pay later, letting you break down your payment into four equal, interest-free instalments.

How it works:

1. Select “Afterpay” at checkout. 

2. You will be redirected to the Afterpay website to process the payment.

3. Log into or create your Afterpay account, for an instant decision on approval.

4. You will then be redirected back to hm.com and your order and payment are completed.

5. The instalments are automatically deducted from your card. When your order has been dispatched in the warehouse, the first payment will be taken from your card. The three remaining payments will be deducted every 14 days after the first payment is taken.

All you need to apply is to have a debit or credit card, to be over 18 years of age, and to be a resident of Australia.

Please note that late fees and additional eligibility criteria apply. The first payment may be due at the time of purchase. For complete terms visit afterpay.com/en-AU/terms.

To manage your payment, please proceed to our partner's app or website. If you have any further questions or need help with your payment, please contact Afterpay Customer Service.

Our partner Klarna is a trusted payments service provider, who is offering flexible shopping and purchase experiences to consumers around the world.

Klarna offers different payment methods available online. The options that are available to you will be presented at the checkout.

PAY IN 4 INTEREST-FREE INSTALMENTS
Shop now and spread the cost into 4 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 three remaining payments will be deducted from your card every 14 days after the first payment is taken. Minimum purchase of $10 required. Available online only.

FURTHER INFORMATION
Please note that H&M is unable to provide any further details if you're not eligible to pay using our Pay in 4 instalments service.

You'll find your payment instructions in the email sent to you shortly after the purchase from Klarna. To manage your payment, please proceed to our partner's app or website. If you have additional questions, need help regarding your payment, or want information about Klarna's credit check and if it affects your credit score,  please contact Klarnas customer service.

Klarnas Terms & Conditions you can find on klarna.com.

We accept cards with MasterCard, Visa and AMEX 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 the 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 at dispatch of your order
If the card transaction is approved, the amount will be reserved immediately and you will receive an order confirmation to your email. Your card will be debited when we dispatch your order.

If the card transaction is not approved your order will be canceled. 

Please contact your bank or card provider if you have any questions about this.

Your payment will take just a few steps:

1. Select PayPal as your payment method at checkout.

2. You will then be redirected to the PayPal website to proceed with the payment.

3. If you are already a PayPal customer, you can log in with your user data and confirm the payment. If you are new to PayPal, you can create a PayPal account, and then confirm the payment.

4. You will be returned to hm.com and your order and payment will have succeeded!

You can use your physical 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.

Click here for more information about Gift Cards.

For more information about returns and refunds, click here.

For our Terms & Conditions, click here.