PAYMENT METHODS

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.

What do I need to use Afterpay?

A US-issued debit card, credit card, or bank checking account

To be 18+ years old

A US billing address

A US mobile phone number

How do I use Afterpay online?

Shop on cos.com and checkout as usual. At checkout, choose Afterpay as your payment method. Log in or create an account and complete your order.

Can I use Afterpay in stores?

No. Afterpay is only available at cos.com and is not yet accepted in our US stores.

What products are not eligible for purchase using Afterpay?

Afterpay is not available for gift card purchases.

How do I return or exchange an item purchased using Afterpay?

Afterpay returns follow COS' standard return process. Once the refund is processed by COS, your Afterpay payment schedule will be adjusted to reflect the new total order value starting with the last installment and working backwards.

If you are fully returning items you purchased using the monthly payments option and a refund is owed, any amounts paid towards the good or service will be refunded; any interest that has already been paid will not be refunded. You may be charged interest for the period before your refund is processed.

If you believe there is fault or concern with your Afterpay purchase payment, please contact Afterpay customer support at info@afterpay.com

Are there extra fees when I use Afterpay?

Afterpay’s Pay in 4 option is interest free. There are no fees associated with the account if installments are paid on time, according to the payment schedule (provided at the time of order confirmation). A late fee may be charged when an installment for an order is not paid within 10 days after the payment due date (unless otherwise noted on your payment schedule).

Afterpay’s longer term monthly payments option may include interest. If your installment loan includes interest, you will be able to see the amount you will owe before completing the purchase. Interest is capped and there are no late fees, loan origination fees or other fees. Please see Afterpay’s terms for full details.

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.