PAYMENT

Choose how you wish to pay for your H&M purchases: by credit card, bank transfer, Kredivo or QRIS. You can choose the payment method that suits you best at the checkout., but please be informed that the usage of credit card, bank transfer, Kredivo or QRIS, is subject to their own terms and conditions that you may have agreed or signed up to.

H&M does not accept any payments made in advance.

The minimum age for shopping at id.hm.com is 18 years old for purchases with credit card, bank transfer or Kredivo. QRIS payments may have its own minimum age requirement.

• We accept cards with Mastercard, Visa or JCB symbol.
• All transactions are encrypted for your safety
• Your card will not be debited until we have dispatched your order

For more information about card purchases please read about our Privacy Notice.

If the credit card transaction is approved, the amount will be reserved immediately and you will receive an order confirmation to your email. Your card will be debited when we dispatch your order. If you return any items, the balance will then be refunded onto your card. If the card transaction is not approved your order will be canceled. Please contact your bank or card provider if you have any questions about this.

• Select Bank Transfer as your payment method in the checkout.
• You will be redirected to the Doku payment gateway website to proceed with your transfer details.
• You can choose your preferred bank and click the ‘Get Payment Code’. Banks listed are BCA, Mandiri, and BRI.
• Note the payment code and follow the payment instructions provided.
• Once you make the bank transfer, we will confirm your order and payment by email.
• You have a period of 6 hours to complete your bank transfer. If you do not complete your transfer during this period, your order will be cancelled and you will need to place a new order.
• Please complete your bank transfer within the payment period stated at checkout. If payment is not received before the payment expires, your order will be automatically cancelled, and you will need to place a new order. We recommend completing your payment as soon as possible to secure your order.

• Flexible payments and lower interest rates (0% for PayLater within 30 days, and dynamic interest rates starting from 1.99% per month for installments of 3, 6, 9, 12, 18, and 24 months).
• You have the chance to get a credit limit of up to IDR 50 million.
• No down payment—get the items you purchase before paying a single cent!
• Checkout in just 2 clicks and your order will be processed right away. No need to enter sensitive data, even faster than mobile banking.
• Billing due date is calculated 30 days from the transaction date.

After choosing QRIS as your payment method at checkout, you will be redirected to the payment page to generate your QRIS code.

Open any QRIS-supported banking or e-wallet app, scan the QR code, and confirm your payment.

QRIS is supported by 40+ banks and e-wallets, allowing you to pay with your preferred app. Transactions are supported up to IDR 10,000,000.

You have 1 hour to complete your QRIS payment. If payment is not received within this period, your order will be cancelled, and you will need to place a new order.

• How do I pay using QRIS?

1. Select QRIS as your payment method during checkout.

1. A unique QR code will be displayed.

1. Open your preferred banking or e-wallet application.

1. Scan the QR code.

1. Review the payment details and complete the payment.

1. Once payment is successful, your order will be confirmed automatically and you will receive email confirmation

• How long is the QR code valid?

The QR code is only valid for a limited period. Please complete your payment before it expires. If the QR code expires before payment is completed, the order will be cancelled automatically and you will need to place a new order.

• What happens if my payment fails?

If your payment cannot be completed, your order will remain unpaid. You may try again while the QR code is still valid. If the payment window has expired, you will need to place a new order.

• What happens if I accidentally pay twice?

If you believe you have made a duplicate payment, please contact Customer Service with your order number and payment receipt so we can investigate.

QRIS Refund FAQ

Refunds for QRIS payments are processed securely through DOKU’s Refund Service. When your refund is approved, you will receive an email containing a secure refund link.

• What should I do after receiving the refund email?

1. Open the refund email.

1. Click the refund link.

1. Enter the verification code included in the email.

1. Complete the required refund information, such as selecting your preferred receiving bank or account (where applicable).

1. Submit your refund request.

Once your information has been successfully verified, your refund request will be processed.

• How long does the refund take?

Once your refund details have been successfully submitted, your refund will be processed according to DOKU and your receiving bank’s processing time.

• Can my refund be sent to a different bank or e-wallet?

During the refund process, you will be asked to provide the required refund information through the secure refund portal. Available refund options are determined by DOKU’s Refund Service.

For any inquiries regarding your payment, please contact Customer Service for assistance.