Shop now, pay in 4

Split your purchase into
4 interest-free payments
with Klarna.

How it works:
1. Shop your faves

Add picks to your bag—just make sure
the total is between
$10 and $1,000.
See below for exclusions & details.

2. Choose Klarna

Answer a few questions at checkout to
see if you’re approved.

3. Complete the order

After you make your purchase, check
your inbox for an email
confirmation
from Klarna.

4. Pay

You’ll see the first charge when your order
ships. The remaining
3 payments will be
automatically processed every 2 weeks.

Questions? We have answers:

What are the requirements for using Klarna?
  • A U.S.-issued debit or credit card
  • You’re 18 years of age or older
  • A U.S. billing address
  • A phone number that receives text messages

Your online or in-store purchase must total between $10 and $1,000 to be eligible. Gift Cards and Beauty Box subscriptions cannot be purchased with Klarna.

How do I make a purchase in store with Klarna?

You’ll need to create a Digital card in the Klarna app each time you make a purchase in a Macy’s store. Select In-Store in the Klarna app and search for “Macy’s”. You can then estimate your purchase amount and create a Digital card in the app to use for your purchase that day. (You’ll only be charged for what you spend.) Add the Digital card to your virtual wallet on your phone and make your purchase at the checkout counter. Note: In-store purchases are only eligible for U.S. residents.

What if I don’t see Klarna as a purchase option when I check out online or in the Macy’s app?

If you don’t see Klarna at checkout, that means that the items in your shopping bag aren’t Klarna-eligible. Make sure your purchase total is between $10 and $1,000. If you have Gift Cards or a Beauty Box subscription in your bag, your order won’t be eligible for purchase with Klarna. (Try removing those items or choosing another form of payment.)

What is a Klarna Digital card?

A Digital card is a virtual card that allows you to make purchases at a Macy’s store and pay for it in 4 easy payments. A Digital card can only be used in store. You can create one in the Klarna app. A Digital card can be used for multiple purchases as long as it’s within 24 hours of the initial card creation.

How do I use a Digital card in store?

When you create a Digital card in the Klarna app, you’ll enter the dollar amount that you plan to spend. Your personal credit/debit card will be authorized for a portion of the total amount. Add the Digital card to your virtual wallet on your phone and complete the purchase at checkout. A Digital card can be used for multiple purchases as long as it’s with 24 hours of the initial card creation. To make another purchase after the 24-hour window, just create a new card and keep on shopping.

What happens if my purchase total is higher than what’s on my Digital card?

You’ll need to create a new card for the correct amount & delete the original one.

What if my purchase total is lower than the amount on my Digital card?

No worries, you’ll only be billed for what you end up using.

How do I delete a Digital card?

Click on the “My Klarna” tab in the Klarna app and select “One-time cards.” Then you’ll be able to remove the Digital card.

Can I use my Macy’s Card on a Klarna purchase?

Klarna purchases can be made with a Macy’s American Express® Card online, but not in store. Macy’s Credit Cards can not be used for any Klarna purchases.

What if I need to make a return?

We want you to love your purchase, but if you’re not completely satisfied, we gladly accept most returns by mail and in stores within 90 days of purchase for free. Returned items must be in original, saleable condition with original tags. Shipping and delivery fees are non-refundable.
Exceptions apply. See Macy’s Return Policy for more details.
You can check the status of your payments and refunds on purchases made with Klarna on Klarna.com or in the Klarna app.