Stores That Accept Afterpay, Klarna and Affirm
Target.com takes Affirm, Afterpay, Klarna, Zip and Sezzle; Amazon and Costco offer Affirm; Sephora takes Klarna and Afterpay; Apple Pay adds Affirm or Klarna.
By Olivia HarperContributing writer. Policy checked .
On this page
Store policies change. This is a summary in our own words of the stores' own payment and returns pages and the three lenders' pages, read on October 27, 2026. A store can add or drop a lender at any time, so check the payment options at checkout.
How the three services differ
| Service | Basic plan, as the lender describes it |
|---|---|
| Afterpay | Pay in 4 interest-free installments, generally over six weeks, at partner brands; late fees may apply |
| Klarna | Pay in 4: four interest-free payments, the first when the order ships and the rest every two weeks; soft credit check; late fee up to $7, capped at 25% of the order |
| Affirm | Pay in 4 at 0% APR, or monthly plans at 0% to 36% APR depending on credit |
Which stores take which
| Store | Afterpay | Klarna | Affirm | Where |
|---|---|---|---|---|
| Target | Yes | Yes | Yes | Target.com and the app; Affirm also in stores through the Affirm app or card |
| Amazon | Not listed | Not listed | Yes | Amazon.com |
| Costco | Not listed | Not listed | Yes | Costco.com (the page also mentions warehouses), orders of $400 or more |
| Sephora | Yes | Yes | Not listed | Named on Sephora's returns page |
| Apple | Not listed | Yes | Yes | Through Apple Pay, online and in apps on iPhone or iPad only |
| Zappos | Yes | Not listed | Not listed | Named on Zappos's refunds rules |
"Not listed" means the store page we read did not name that lender. It does not prove the store refuses it.
Target
Target's accepted payments page lists six installment options for Target.com and the app: Affirm, Sezzle, PayPal Pay in 4, Afterpay, Klarna and Zip. None are listed for paying at the register, but Target's financing page explains that Affirm can be used in stores through the Affirm app with a virtual card in a phone wallet, or with the physical Affirm Card. Target says Affirm needs a cart of at least $50 and offers 3, 6, 12 or 18 months at 10% to 36% APR.
Amazon and Costco
Amazon's Affirm page asks for at least $50 of eligible items and offers 3 to 48 equal monthly payments at 10% to 36% APR. Costco's Affirm page sets a $400 minimum, plans of 3 to 36 months and 10% to 36% APR. Neither page names Afterpay or Klarna.
Sephora, Apple and Zappos
Sephora's returns page treats Klarna and Afterpay as payment methods, with refunds going back to your Klarna or Afterpay account. Apple says Affirm or Klarna can be picked through Apple Pay when you shop online or in apps on an iPhone or iPad, not in its stores, and Apple Upgrade leases are provided by Klarna. Zappos's returns page explains how Afterpay refunds work, which shows Afterpay is used there.
Before you split a payment
- A return changes the plan. Zappos says Afterpay refunds can take up to 20 business days.
- Late fees apply when a payment fails at Klarna and may apply at Afterpay.
- For a different way to spread a cost without borrowing, see stores with layaway.
Sources
Target payment options and financing; Affirm on Amazon; Affirm at Costco; Sephora returns; Apple financing; Zappos returns; Klarna Pay in 4; Afterpay; Affirm. Checked October 27, 2026.