PAYMENT METHODS
You can choose to pay using Visa, Mastercard, American Express, Discover, Apple Pay and Google Pay. PayPal and Klarna are also accepted; more information on these can be found below.
All transactions are encrypted for your safety, for more information about card purchases please read our Privacy policy.
Your payment method will not be charged until we have shipped your order. If the card transaction is approved, the amount will be reserved immediately and you will receive an order confirmation to your email. If the credit card transaction is not approved, your order will be cancelled. Please contact your bank or card provider if you have any questions about this.
Please note that we only ship to the United States. The currency used for all orders is US dollar ($). All prices and product information on the COS online shop are subject to change and may vary from stores.
Klarna
Klarna is an alternative payment method which provides installment plans for your order in a one-click purchase experience. Find out more by visiting klarna.com and see some details below:
PAY LATER
You can choose to buy now and pay later, depending on eligibility*.
As soon as your order has been confirmed, you will receive information from Klarna on how and when to complete your payment. Should you have any questions regarding your payment, please contact Klarna for information. If you are not eligible, you will only see the Pay Now option at the checkout.
Not paying for your order on time could affect your ability to use Klarna in the future. We encourage you to spend responsibly, remember to keep up with your repayments to avoid late payment fees and damage to your credit report. Pay later is a form of credit, COS is not the lender.
*Klarna's Pay in 3 / Pay in 30 days are unregulated credit agreements. Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. You must be 18+ years old and a US resident. Subject to status. T&C and late fees apply.
*Please note that COS is unable to provide any details of why you are not eligible to pay using our Pay Later option. If you have any questions regarding payment, please contact Klarna customer support.
PayPal
We will take payment from your credit/debit card via your PayPal account. Payment will be taken as soon as your order has been dispatched.
For further information about PayPal or to create an account, please visit PayPal.
Gift cards
We are currently unable to sell Gift Cards or accept Gift cards and/or Merchandise Credit as a form of payment at cos.com. Should you wish to purchase a gift card, please visit one of our stores. View all terms and conditions here.
How do automatic payments work?
The debit or credit card you entered in your Klarna account will be charged every other week. Don’t worry, you’ll always be reminded by email before your card gets charged. You can also review your purchases and payment dates by logging into the Klarna app.
What do I need to use Klarna?
A US-issued debit or credit card
To be 18+ years old
A US billing address
An SMS-capable phone number
Will using Klarna affect my credit score?
No. When you choose Klarna as your payment method, they may perform a soft credit check. This type of check will not impact your credit score or show up as a hard inquiry on your credit report.
Which payment methods are accepted?
Klarna accepts all major debit and credit cards, such as Mastercard, Visa, AMEX, and Discover. Unfortunately, prepaid cards and gift cards are not accepted.
Are there any late fees?
A late fee of up to $7 may be charged if an automatic payment cannot be collected. Please see terms for full details.
Is Klarna currently accepted in stores?
No. Klarna is only available at cos.com and not yet accepted in our US stores.
What if I return an item or if the order total changes?
If you make a return or if your order total changes for any reason, the payments and refund will be adjusted accordingly. Please note that a minimum spend of $35 is required for split payments. You can review the full terms here.
Is my information safe?
Klarna uses the latest safeguards and security to protect your information and prevent unauthorized purchases. You have zero fraud liability with Klarna’s Buyer Protection policy.
How can I reach a Klarna representative?
Klarna recommends downloading their app to speak to a representative, who will be available at any time. Alternatively, you can reach Klarna’s customer service here.
Need to know more? Check out Klarna’s full FAQ page here.
COS charges the appropriate state and local sales tax based on the delivery address of your order. Where required, tax will also be applied to the shipping and handling charges.
The sales tax displayed at check-out is estimated and the final applicable tax will be calculated when your order is shipped. COS collects sales tax from the following states: Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Utah, Washington, Washington DC, Virginia, Wisconsin.
For card purchases we work with an authorized payment agent that helps us to check directly with your bank that the card is valid for purchases. Our payment agent processes your card details in the correct way according to the international security standard PCI DSS, which was developed by the card companies VISA, MasterCard, Diners, American Express and JCB. This means that your card details are processed with a very high level of security. To make card purchases with us as secure as possible all information is sent in encrypted form using SSL (Secure Sockets Layer). This means that the information is passed through a secure connection and that your card details cannot be read by external parties.
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