Paying With Afterpay & Klarna
How it works
When it’s time to pay for your order, choose Afterpay or Klarna as your form of payment at checkout. A debit or credit card is required to purchase.
Pay every two weeks
With Afterpay, you’ll make your first of four payments at the time of purchase. With Klarna, your first of four payments will be charged once your order ships. Every two weeks, the remaining three payments will be automatically deducted from your chosen payment method.
Four payments, zero interest
Enjoy no fees when you pay on time.
You must be over 18, a resident of the U.S., and meet additional eligibility criteria to qualify. Late fees may apply. Estimated payment amounts shown on product pages exclude taxes and shipping charges, which are added at checkout. Click HERE for complete terms. Loans to California residents made or arranged pursuant to a California Finance Lenders Law license.
See payment TERMS. A higher initial payment may be required for some consumers. CA residents: Loans made or arranged pursuant to a California Finance Lenders Law license.
Frequently asked questions
If you have further questions, you have come to the right place!
What is Afterpay?
Afterpay lets you make a purchase now and pay for it in four interest-free payments every 2 weeks.
How do I use Afterpay?
Shop online and checkout as normal. At checkout, choose “Afterpay” as your payment method. First-time guests will need to register with Afterpay and provide payment details and returning guests can log in to purchase.
To be eligible for Afterpay, you’ll need to be at least 18 years old (or the legal age in your state of residence). Your order total must be within the minimum amount of $35 USD and maximum of $1,000 USD. Afterpay isn’t available for gift card purchases. You can check all eligibility requirements HERE.
Is Afterpay secure?
Afterpay is a PCI DSS Level 1 certified compliant Service Provider organization—the highest level of security in the payment industry.
Can I use Installments by Afterpay if I’m an international customer?
Afterpay is only offered to our customers who have a US billing address, US shipping address, a US Visa or Mastercard or American Express (credit or debit card), and a US mobile phone number. Customers with international billing addresses, shipping addresses, and/or phone numbers will not be able to set up an account with Afterpay.
How does the payment schedule work?
You’ll make your first payment at the time of purchase, and the remaining three payments will be deducted from your chosen payment method every two weeks. You can log in to your Afterpay account anytime to look at your payment schedule and make a payment before it’s due if you choose.
What happens if I can’t follow the payment schedule?
You’ll be able to change the due date of your payment through Afterpay’s mobile app or website. If you’re having any trouble, you can find more information HERE.
Where can I find common questions about payments?
Check out the AFTERPAY PAYMENTS FAQ.
What if I can’t pay an Afterpay installment?
If the funds aren’t available in line with your payment schedule, you might incur late fees. See Afterpay’s terms HERE for all the details.
What is Klarna?
Klarna and TOMS have partnered to provide flexible online payment options for TOMS shoppers through Buy now. Pay later. More information is available on Klarna's website.
How does pay in 4 interest-free installments work?
Pay in 4 interest-free installments, offered through Klarna, offers you short-term installments that let you spread the cost of a purchase, with no added cost or hassle. Four equal payments are automatically collected bi-weekly from your debit or credit card. The total amount charged to your card is no greater than if you simply paid for the entire purchase up front (provided the agreed payment schedule is followed). Learn more about Klarna's payment methods on their website.
I returned my pay in 4 interest-free installments purchase, what happens next?
Klarna will refund any payments already made back to the original payment method.
I returned part of my pay in 4 interest-free installments purchase, how does that affect my remaining installments?
Klarna will update the total balance and any remaining payments are automatically adjusted in the case of partial returns (starting from the last installment and moving forward). Any payments already made will be refunded back to the original payment method.
Is there a late fee for pay in 4 interest-free installments?
If a payment fails, Klarna may charge a late fee of up to $7 per installment. Klarna will send an email notification if payment fails with instructions to update your payment method before charging the late fee.
Will Klarna’s Buy Now. Pay later. impact my credit score?
Klarna does not perform a hard inquiry with the credit bureaus, so your credit score won’t be impacted if you pay with Klarna at TOMS.
How do I contact Klarna?
You can reach Klarna’s Customer Service team by phone at 844-KLARNA1 (844-552-7621) between Monday-Friday 8am-6pm EST. You can also chat Klarna 24/7 when you log into the Klarna App. Visit Klarna's Customer Service page for additional information.
Which products are not eligible for purchase using Afterpay or Klarna?
Physical and Digital Gift Cards are not eligible for purchase using Afterpay or Klarna.
When will my items be delivered if I use Afterpay or Klarna?
Afterpay and Klarna orders are delivered as per our standard shipping time frame after you complete your order online.
Is there a minimum amount I have to spend on a single transaction?
Yes, you can pay using Afterpay or Klarna on orders with a minimum threshold of $35 and a maximum threshold of $1000.
How do I return or exchange an item purchased using Afterpay or Klarna?
Make sure your purchase is within our RETURN POLICY and ship your item(s) back to our warehouse. Once received, we’ll let Afterpay or Klarna know about your return, and they’ll handle your refund. Make sure you’re not returning your items to Afterpay or Klarna directly.
What happens if I have a partial refund and how will that affect my payments?
Afterpay will be notified once your refund is processed. Your payment plan will be automatically adjusted to reflect the new total order value starting with the last payment and working backward. In the case where a refund amount is larger than 25% of the total order, Afterpay will eliminate the fourth installment payment and apply the remaining amount to your earlier payments.
Once we have received your partial or full return, and you’ve received confirmation, Klarna will send you an updated statement with an adjusted payment schedule. With a full return, Klarna will refund any payments collected and cancel any future scheduled payments. You can always monitor the status of your order in the Klarna app.
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