Payment & sales tax
We accept MasterCard, VISA, VISA Electron, American Express, Discover, PayPal and Klarna.
All transactions are encrypted for your safety, for more information about card purchases please read our Privacy policy.
Your card or PayPal account will be not be debited 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.
The currency used is US dollar ($) for orders shipped to the United States. All prices and product information on the COS online shop are subject to change and may vary from stores.
Please note that we only ship to the US.
Please note that we do not offer price matches, or additional discounts, on items included in the sale.
For further information about PayPal or to create a PayPal account please visit paypal.com
Klarna: Shop Now, Pay Later in Four Interest-Free Payments
What is Klarna?
Klarna is an alternative payment method that allows you to split your purchase into four interest-free payments when you spend $35 or more.
To use Klarna at cosstores.com, simply add your favorite products to your shopping bag and choose Klarna at the checkout. Your purchase will be split into four equal payments. The first payment is due when your order is shipped. The remaining three payments will be automatically charged to your debit or credit card every two weeks.
Klarna frequently asked questions
Q. How do automatic payments work?
A. 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.
Q: What do I need to use Klarna?
A:
● A US-issued debit or credit card
● To be 18+ years old
● A US billing address
● An SMS-capable phone number
Q: Will using Klarna affect my credit score?
A: 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.
Q: Which payment methods are accepted?
A: Klarna accepts all major debit and credit cards, such as Mastercard, Visa, AMEX, and Discover. Unfortunately, prepaid cards and gift cards are not accepted.
Q. Are there any late fees?
A. A late fee of up to $7 may be charged if an automatic payment cannot be collected. Please see terms for full details.
Q. Is Klarna currently accepted in stores?
A. No. Klarna is only available at cosstores.com and not yet accepted in our US stores.
Q. What if I return an item or if the order total changes?
A. 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.
Q: Is my information safe?
A: 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.
Q: How can I reach a Klarna representative?
A: 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.
Sales Tax
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.
Security
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.
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.