- Introducing Shop Pay Installments & Klarna Pay Later -

We’re always looking for ways to make your shopping experience smoother, smarter, and more flexible. That’s why we’re thrilled to introduce two new payment options at checkout: Shop Pay Installments and Klarna Pay Later. These trusted services give you more control over your budget, letting you spread the cost of your purchases in ways that suit you best.

Why Customers Love Shop Pay Installments:

• Real-time decision: Get a real-time decision on your eligibility.
• Easy payments: Split your purchase into monthly payments.
• No surprises: No late or hidden fees.
• Boosted purchasing power – buy what you love now, pay later
• Seamless checkout experience online and in-store
• Trusted by over 200 million shoppers.

How it works

1. Add items to your cart as normal.
2. At checkout, enter your contact and delivery information and select Shop Pay from the available payment methods.
3. Click 'Review your order' to be taken to the Shop Pay accounts page.
4. Sign in or Create a New Account in Shop Pay. 
5. Choose the option to Pay in installments.
6. Review plans available and follow their instructions to complete your order. 

Your first payment is due at checkout. The remaining payments are automatically charged to your card saved on Shop Pay based on the payment plan you chose. Don't worry, you'll get an email reminder before each payment to remind you.

Shop Pay Installments Terms Summary

• Shop Pay Installments offers credit in partnership with Affirm as lender. Affirm provides unregulated credit, subject to a credit check and minimum spend, which may vary. Full terms apply.
• For UK residents only, 18 and over
• Debit card required; when selecting Shop Pay Installments you will be required to enter details of the Debit card you wish to use for all scheduled payments.
• Creating a Shop Pay Installments account doesn’t impact a your credit score however if a customer chooses to pay for their order using Shop Pay Installments, the following things might impact your credit score or rating: Completing a purchase. Your payment history with Affirm (Missed payments could affect your financial status and/or credit score). How much credit has been used, and length of credit term.
  
• There are no late fees for customers who miss a scheduled payment. However, partial payments or late payments might impact your credit score, or your eligibility to use Shop Pay Installments in the future.
• Excluded on purchases for Nemesis UK Gift Cards. If you want to purchase gift cards along with Shop Pay Installments eligible products, then you need to place two separate orders.
• Our normal order and refund terms apply to all orders placed using Shop Pay. Typically delivery fees are non-refundable. Additionally for orders placed using Shop Pay Installments, refunds are made to the original payment source (store credit is not available) and will only cover the original value paid for your item(s), any interest paid to date is not refundable.
• If you have questions about a missed installment payment, then visit Affirm’s Shop Pay Installments Help Center.

Why Klarna is a Game-Changer:

• No interest or fees when payments are made on time
• Quick approval with no impact on your credit score
• Manage payments easily via the Klarna app
• Used by over 111 million shoppers worldwide

How it works

1. Add items to your cart as normal.
2. At checkout, enter your contact and delivery information and select Klarna from the available payment methods.
3. Click 'Review your order' to be taken to the Klarna accounts page.
4. Sign in or Create a New Account in Shop Pay. 
5. Choose your preferred payment option.
6. Follow their instructions to complete your order. 

Klarna Terms Summary

• Klarna payment services are provided by Klarna Financial Services UK Limited.
• You must be a UK resident, over 18 years old and have a valid payment card (the card must be in your name, and must not have expired). You should also make sure the card you use has enough money available to cover your payment/instalments.
• For credit services, it’s Klarna's decision whether or not to start a credit agreement with you.
• For credit services, Klarna may carry out a limited credit search on you at a credit reference agency. This is a ‘soft credit check’, and won’t affect your credit score, but they can report information to credit reference agencies about the payments you make, and about any payments that you fail to make on time. Failure to pay on time might affect your ability to obtain credit in the future from Klarna and other lenders.
• For credit services, late fees may apply, see individual product terms.
• Please see their complete User Terms for Klarna's Payments Service here.
• Separate Terms are available for each payment option, for UK terms please see: Pay Later in 30 days Terms and Conditions | Pay in 3 instalments Terms and Conditions | Pay Now by Card Terms and Conditions (UK).
  

We accept all major credit and debit cards including:

• Visa
• Mastercard
• American Express
• Diners Club
• Discover
• Maestro
• Union Pay

You can also use one of these faster checkout services:

• Google Pay
• Apple Pay
• Paypal
• Shop Pay