What payment methods does H&M accept?
The short answer: H&M accepts Apple Pay (online), PayPal (online), Klarna (in store, online, in the app), and Gift cards (online); does not accept EBT / SNAP; we could not confirm whether it takes Google Pay, Venmo, Cash App Pay, and Afterpay, and 3 more (see details below). Last verified September 2026 against official H&M documentation.
Accepted at H&M
- ✓ Apple Pay (online only)
- ✓ PayPal (online only)
- ✓ Klarna (online, in store, app only)Klarna offers Pay in Full, Pay Later, and Pay over time at H&M; all Klarna methods are exclusive to H&M Members. Online: options appear at checkout. In-store: Pay Later available. App: Klarna options appear in H&M app checkout (members only).
- ✓ Gift cards (online only)
Payment methods at H&M
| Payment method | In store | Self-checkout | Online | App |
|---|---|---|---|---|
| Apple Pay | ? Not confirmed | ✕ Not accepted | ✓ Accepted | ? Not confirmed |
| Google Pay | ? Not confirmed | ? Not confirmed | ? Not confirmed | ? Not confirmed |
| PayPal | ? Not confirmed | ✕ Not accepted | ✓ Accepted | ? Not confirmed |
| Venmo | ? Not confirmed | ? Not confirmed | ? Not confirmed | ? Not confirmed |
| Cash App Pay | ? Not confirmed | ? Not confirmed | ? Not confirmed | ? Not confirmed |
| Klarna | △ Conditional | ✕ Not accepted | ✓ Accepted | △ Conditional |
| Afterpay | ? Not confirmed | ? Not confirmed | ? Not confirmed | ? Not confirmed |
| Affirm | ? Not confirmed | ? Not confirmed | ? Not confirmed | ? Not confirmed |
| EBT / SNAP | ✕ Not accepted | ✕ Not accepted | ✕ Not accepted | – N/A |
| Gift cards | ? Not confirmed | ✕ Not accepted | ✓ Accepted | ? Not confirmed |
| Cash | ? Not confirmed | ? Not confirmed | – N/A | – N/A |
| Checks | ? Not confirmed | ? Not confirmed | ? Not confirmed | – N/A |
Last verified: September 2026 against official H&M documentation.
Details by payment method
Does H&M take Apple Pay? Officially confirmed
H&M — yes: online. Accepted at hm.com checkout on supported devices; Apple Pay Express available with standard home delivery only.
Source: www2.hm.com
Does H&M take Google Pay? Not confirmed
Not confirmed — we couldn't find official documentation on whether H&M accepts Google Pay.
Source: www2.hm.com
Does H&M take PayPal? Officially confirmed
H&M — yes: online. PayPal documented as an H&M online checkout method in H&M's official payment documentation (explicit Q&A on H&M's payments page; H&M's own US product payment disclosures also list PayPal for US online checkout).
Source: www2.hm.com
Does H&M take Venmo? Not confirmed
Not confirmed — we couldn't find official documentation on whether H&M accepts Venmo.
Source: www2.hm.com
Does H&M take Cash App Pay? Not confirmed
Not confirmed — we couldn't find official documentation on whether H&M accepts Cash App Pay.
Source: www2.hm.com
Does H&M take Klarna? Officially confirmed
H&M — yes: online; with conditions: in store, app. Klarna offers Pay in Full, Pay Later, and Pay over time at H&M; all Klarna methods are exclusive to H&M Members.
Source: www2.hm.com
Does H&M take Afterpay? Not confirmed
Not confirmed — we couldn't find official documentation on whether H&M accepts Afterpay.
Source: www2.hm.com
Does H&M take Affirm? Not confirmed
Not confirmed — we couldn't find official documentation on whether H&M accepts Affirm.
Source: www2.hm.com
Does H&M take EBT / SNAP? Officially confirmed
No — H&M does not accept EBT / SNAP through any of the channels we track. Not accepted — apparel retailer; EBT SNAP covers food purchases.
Source: www2.hm.com
Does H&M take Gift cards? Officially confirmed
H&M — yes: online. H&M gift cards and merchandise cards can pay for the whole or part of an order placed on H&M's website, per H&M's official terms.
Source: www2.hm.com
Does H&M take Cash? Not confirmed
Not confirmed — we couldn't find official documentation on whether H&M accepts Cash.
Source: www2.hm.com
Does H&M take Checks? Not confirmed
Not confirmed — we couldn't find official documentation on whether H&M accepts Checks.
Source: www2.hm.com
Sources
- H&M payment info — www2.hm.com (www2.hm.com)
- H&M payment info — www2.hm.com (www2.hm.com)
- H&M payment info — www2.hm.com (www2.hm.com)
Frequently asked questions
Does H&M take Apple Pay?
H&M — yes: online. Accepted at hm.com checkout on supported devices; Apple Pay Express available with standard home delivery only.
Does H&M take Google Pay?
Not confirmed — we couldn't find official documentation on whether H&M accepts Google Pay.
Does H&M take PayPal?
H&M — yes: online. PayPal documented as an H&M online checkout method in H&M's official payment documentation (explicit Q&A on H&M's payments page; H&M's own US product payment disclosures also list PayPal for US online checkout).
Does H&M take Venmo?
Not confirmed — we couldn't find official documentation on whether H&M accepts Venmo.
Does H&M take Cash App Pay?
Not confirmed — we couldn't find official documentation on whether H&M accepts Cash App Pay.
Does H&M take Klarna?
H&M — yes: online; with conditions: in store, app. Klarna offers Pay in Full, Pay Later, and Pay over time at H&M; all Klarna methods are exclusive to H&M Members.
Does H&M take Afterpay?
Not confirmed — we couldn't find official documentation on whether H&M accepts Afterpay.
Does H&M take Affirm?
Not confirmed — we couldn't find official documentation on whether H&M accepts Affirm.
Does H&M take EBT / SNAP?
No — H&M does not accept EBT / SNAP through any of the channels we track. Not accepted — apparel retailer; EBT SNAP covers food purchases.
Does H&M take Gift cards?
H&M — yes: online. H&M gift cards and merchandise cards can pay for the whole or part of an order placed on H&M's website, per H&M's official terms.
Does H&M take Cash?
Not confirmed — we couldn't find official documentation on whether H&M accepts Cash.
Does H&M take Checks?
Not confirmed — we couldn't find official documentation on whether H&M accepts Checks.
Spot something wrong?
Payment policies change. If any answer above is out of date, contact us and we'll re-verify it against H&M's official documentation.