Shop Now. Pay Later
We're excited to offer Klarna & Shop Pay as payment methods. These services allow you to make purchases now and pay for them in four interest-free payments made every two weeks. Simply shop online and add items to your shopping bag, at checkout select Klarna or Shop Pay as your payment method. *Puerto Rico customers will need to use Klarna. Shop Pay only works in if you have a US Address from the 50* States.
HOW IT WORKS:
1. Add product to cart. Shop as you normally would for your favorite bikinis, adding your picks to cart.
2. At checkout, select Shop Pay or Klarna as your payment method. If you're a new user you'll be prompted to create an Shop Pay or Klarna account.
3. Pay every two weeks with no interest. The card used to checkout will be charged every two weeks by Shop Pay or Klarna for three additional, interest-free payments.
KLARNA:
WHAT IS KLARNA?
Klarna is an alternate payment method that allows you to split your purchase into 4 interest-free payments. To use Klarna to pay for your purchase, choose Klarna in the checkout. Your purchase will be split into 4 interest-free payments. The first payment will be take from your credit or debit card when your order is shipped. The remaining three payments will be automatically charged to your card bi-weekly afterwards.
HOW DO I SIGN UP?
If your cart is eligible for 4 interest-free payments with Klarna, you will be able to select Klarna as a payment method during checkout. After your order is shipped, you will be charged for the first payment. Klarna will send a notification once the payment has been processed. You will be informed ahead of time before the next payments.
WHAT ARE THE CONDITIONS TO SIGN UP?
To sign up, you will need: 1) A US/PR-issued debit or credit card 2) be 18 years of age or over 3) an SMS-capable phone number 4) a US/PR residential address.
WHICH PAYMENT METHODS ARE ACCEPTED?
Klarna currently accepts most debit and credit cards (i.e., Mastercard, Visa, Discover, American Express). Please note, prepaid cards are not accepted.
IF THERE'S AN ISSUE WITH MY ORDER, DO I STILL NEED TO PAY FOR IT?
You do not need to pay for goods that aren't received, or goods that are received damaged, broken, or defective. Follow our help instructions and "report a problem" in your Klarna account to pause your payments until the issue is resolved. If we issue a refund or cancel your order, Klarna will send an adjusted statement and payment schedule. You can check the status of your payments anytime via Klarna's site or in your Klarna app.
WHAT HAPPENS IF I MAKE A RETURN?
If you need to return part or all of your order, simply follow our return instructions and make sure to take note of the tracking number. Log in to your Klarna account, select report a return,
and Klarna will pause your statement.
As soon as we process your return, Klarna will send an adjusted statement and payment schedule. With a full refund, Klarna will refund any payments collected and cancel any future scheduled payments. You are always able to monitor the status of your order in the Klarna app.
HAS KLARNA RECEIVED MY PAYMENT?
Klarna will send an email confirmation for all completed payments. You can also call or live chat with Klarna's customer service agents 24/7 to confirm payment.
CAN I PAY BEFORE THE DUE DATE?
Yes. If you want to pay the next payment or full balance of your payment plan early, simply log into the Klarna app, go to the Purchases
page, and select Payment Options.
WHAT HAPPENS IF I DON'T PAY FOR MY ORDER?
Klarna will automatically attempt to collect payment for your purchase from the card that you entered at checkout. You can find out when your payments will be collected in the email that you received at the time of purchase or by logging into your Klarna account. If you need extra time to make a payment, simply log into the Klarna app, go to the Purchases
page, and select Payment Options,
then Extend due date.
If the automatic payment fails, Klarna will try again after 7 days. If this payment also fails, Klarna will make another attempt after a further 7 days (14 days after the date of the first attempt). Your credit score will not be impacted by using Klarna's Pay in 4 payments product even if you have failed to pay on time.
If you have any questions about Klarna, please see Klarna's full FAQ page. You can reach Klarna anytime at https://www.klarna.com/us/customer-service/ or by downloading the Klarna app.
SHOP PAY:
WHAT IS SHOP PAY INSTALLMENTS?
Shop Pay offers you the option to pay in full at checkout, or to split your purchase into regular payments with Shop Pay Installments. Installment options vary by store and can be used on orders over $50 USD, including discounts, shipping, and taxes.
IS THERE ANY FEES OR PENALTY?
The remaining payments are automatically charged to the customer's card based on the payment schedule they choose. Customers get an email reminder before each payment is charged.
For purchases split into 4 bi-weekly payments, there are no additional charges or interest rates applied. Purchases split into monthly payments may be subject to interest.
You can pay your balance off early without penalty.There are no late fees. However, partial or late payments may affect your ability to use Shop Pay Installments in the future.
DOES IT AFFECT CREDIT SCORE?
Your credit scores aren't impacted if your purchase is split into 4 bi-weekly payments using Shop Pay Installments. If your purchase is split into monthly payments, then your payments may be reported to a credit bureau.
To use Shop Pay Installments, your shipping address needs to be in the United States.
CAN I PAY BEFORE THE DUE DATE?
Yes. If you want to pay the next payment or full balance of your payment plan early, simply log into the SHOP PAY app, go to Installment purchase you want to review.
HOW TO GET A REFUND
Please contact the store where you bought your item to request a refund. They can let you know whether a return is possible and how much the refund would be, according to their own return policy.
After they process the refund, the refunded amount will return to your original payment method within 3-10 business days, and your balance will be updated.
Payments
While you’re waiting for your refund, please continue to make any payments that are due.
Refund less than balance
If your refund is less than your total purchase balance, it might not lower your next payment. Instead, you can expect fewer payments, a smaller final payment, or both.
If you have any questions about SHOP PAY, please see SHOP PAY's full FAQ page. You can reach SHOP PAY anytime at https://shoppay.affirm.com/help/s/contact-us