Payments

Data We Share with Klarna: 

1. Billing address - name, street address, postal code, city, country, email address, phone number 
2. Shipping address - name, street address, postal code, city, country, email address, phone number 
3. Extra Merchant Data (EMD) – shipping method, shipping type, first name, last name, street address, street number, postal code, city, country. 
4. Order details - total amount, total tax amount, merchant references (transaction IDs) 
5. Order lines - type, name, unit price, quantity, tax, reference 

With a valid MasterCard, Visa, Visa SimplyOne, Electron, Maestro, International Maestro, Amex, JCB card, Nectar points, Apple Pay. You can also choose to pay via PayPal or Klarna.

Valid evoucher code or promotional codes are also accepted as part or full payment for your order. Please see the "Can I use a voucher or promotional code to pay?" section below for more information.

Please note that we only accept cards which are registered to a UK billing address.

If your basket is between £30 - £2000, after any deductions, it should qualify for PayPal ‘Pay in 3’ instalments. PayPal Pay in 3 is an interest-free loan that lets you split your basket into 3 payments, with the first due at time of purchase and subsequent payments due every month on the same date. For more information on PayPal pay in 3, click here.

Select PayPal as your payment method at checkout and we’ll redirect you to PayPal’s website. You will need to complete a short registration form if you are a new PayPal customer. This will include providing PayPal with some details including your name, date of birth, address email and your debit or credit card details. You will also need to read and accept PayPal’s terms and conditions to complete your order. If you are an existing PayPal customer, you just need to select and log in to your PayPal account on the Tu checkout page and accept PayPal’s terms and conditions to complete your order. You will receive an instant decision after some initial checks by PayPal, confirming if you are eligible to use ‘Pay in 3’ as a payment method. Please note that the login details for your PayPal account will be different from the login details which you use for your Tu online account. For more information on PayPal pay in 3, click here.

We’re sorry but you can’t use your Sainsbury’s gift card to pay online. The good news is that you can use them in our stores.

The Multi Brand Gift Card can be used in full or part for payment of products purchased in Sainsbury’s and Argos stores excluding concessions and third-party retailers (“Instore”)and online at argos.co.uk, Sainsburys.co.uk, tu.co.uk and habitat.co.uk (“Online”).  ​For full T&Cs please click here https://tuclothing.sainsburys.co.uk/help/terms-and-conditions

This is a type of ‘one card’ Gift Card that can be used across all our brands: Sainsbury’s, Argos, Tu & Habitat.

The Multi Brand Gift Card can be purchased Instore and can be purchased at sainsburysgiftcard.co.uk or argosgiftcard.co.uk.  Design of the Multi Brand Gift Card may vary. ​

The Gift Card can be spent in the following places: 

Instore at: 

• Argos staffed tills  
• Sainsbury’s staffed tills  
• Sainsbury’s SCO 

Digitally at:  

• Argos.co.uk  
• Habitat.co.uk 
• TU.co.uk 
• Argos App  
• GOL website  
• GOL App  

Your Multi-brand Gift Card will last for 60 months from the date of activation.

The maximum value a Multi Brand Gift Card can hold is £750.

You can spend up to £250 per transaction on your Multi-brand Gift Card.

We may exclude specific products from purchase via Multi Brand Gift Card, please refer to: https://help.sainsburys.co.uk/help/products/about-sainsburys-giftcard for the Sainsbury’s full listing. You cannot use your Multi Brand Gift Card to purchase other gift cards. ​

You can register your Multi Brand Gift Card by clicking here.

( https://help.sainsburys.co.uk/help/products/about-sainsburys-giftcard )

The Multi-brand Gift Card is redeemable at Argos, TU, Habitat & Sainsbury’s Supermarkets Ltd stores and online websites, excluding Petrol Stations.

From time to time, we may send out voucher and promotional codes that you can use to pay for part of your order. Simply add the code to your order when prompted at the checkout stage and then click ‘add coupon’.

Please check the terms and conditions issued with each voucher or promotional code for more information.

Yes, you can now pay with Apple Pay. To use Apple Pay, you must activate it in your Apple account and device. For more information on activating Apple Pay, please click here

At checkout, please select the Apple Pay option under ‘Payment options’. You will then be instructed to ‘Buy with Apple Pay’.

Yes, you can now collect and spend Nectar points when you shop at Tu.co.uk. 

Here are a few points about how Nectar works at Tu: 

• You can collect and spend your Nectar points online and in store 
• You can collect 1 point per £1 you spend at Tu 
• 500 points are worth £2.50 when purchasing products through Tu 
• Keep your eyes peeled on the Nectar app for opportunities to collect bonus Nectar points.
• To spend or collect points online, you'll need to link your Nectar card to your Argos account (this will also allow you to sign in and shop at Tu). 
• There is a minimum spend of 500 points/£2.50 and a maximum spend of 100,000 points/£500. 
• Please note that Nectar points may not appear for up to 28 days after you place your order, so please bear with us while we add them to your account. 
• You can also add your Nectar card details at the checkout stage if you’re using our Guest Checkout service.

It's quick and easy to join. Head over to Nectar and sign up. Your new card will be sent out in the post. Sign up here.

Already have a Nectar card? Sign in to your Nectar account to manage your account, view transaction history and check your points balance.

Yes – it’s a great way for us to reward you for shopping with us. You can collect 1 Nectar point per £1 on all clothing brands on Tu.co.uk. All you have to do is link your Nectar card to your Tu account and we’ll start adding points automatically.

To do this, simply log in to your My Account and follow the instructions.

You can also add your Nectar card details at the checkout stage if you’re using our Guest Checkout service.

Please note that Nectar points may not appear for up to 28 days after you place your order, so please bear with us while we add them to your account.

Most payments fail because card details were incorrectly entered or because the billing address entered at checkout doesn’t match the one on your bank statement. 

Please double check all of your details and try to check out again. 
 
If your payment still won’t go through, please contact your card issuer directly so they can help you. 
 
Please note that we only accept cards which are registered to a UK billing address.

We’ve joined up with Argos, part of the wider Sainsbury’s family, to make your experience shopping with us even better. This means your Tu account will no longer work and instead, you will need to use an Argos account to shop with Tu.  

For any future orders you’re going to place, simply click here to sign into your Argos account and update your details.  

For more information on your combined account, please click here.

Please check the terms and conditions printed on the voucher to make sure that it’s still valid. It’s also worth while checking to see if the details were entered correctly. 

If you are using a Nectar voucher, then unfortunately you are unable to be redeem these on the Tu Clothing Website. You can still use these vouchers in store on your Tu Clothing purchases.

If you’re experiencing payment difficulties on our website please be aware, if more than 3 attempts your card will be blocked to make a purchase on our website. This is in-line with our security when shopping online. Please ensure all details are entered correctly and not auto filled. Also, the name on the card must be entered exactly as appears on your card that you’re using. 

If you’re still having issues, then please contact us.

We usually take payment from your bank within 15 minutes once you’ve submitted your order. 

Depending on how quickly your bank processes the payment, it should appear on your statement within 48 hours, although some banks do take longer.

As secure as it can be. We constantly check and test our site so you can always shop securely online with us. 

We use industry-standard technologies which allow us to encrypt any sensitive data that you may send us during payment and cannot be intercepted by anyone else. 

We’ll never ask you to verify your personal information, so such requests are likely to be fraudulent. 

If you have received such an email, do not click any of the links contained within it. Simply forward it to us at TuCustomerservices@sainsburys.co.uk telling us that you’ve received a suspicious email and then delete it. 

If someone calls you claiming to be from Tu Clothing or Sainsbury’s and asks you to verify payment or billing information, decline to provide the information and call us immediately on 0800 028 6658 so we can help you.

We store and use any payment information you give us in accordance with the Data Protection Act. To learn more, please check out our Privacy Policy. 

Secure Payments are systems put in place by numerous card issuers such as Mastercard Secure Code, Verified by Visa and Amex Safekey. 

These systems are an extra safety measure which verify information known only to you and your card issuer. 

As these systems are operated by third parties, we unfortunately won’t be able to help you if you have problems while using them. Please contact your card issuer for further assistance on how to use these systems.

First, it’s worth checking whether you definitely haven’t received your order confirmation. When looking for your order confirmation please make sure you’re checking the inbox of the email address you provided when checking out and please make sure to check your email’s junk and spam folders. 

Please note, we’ve joined up with Argos, part of the wider Sainsbury’s family, to make your experience shopping with us even better. This means your Tu account will no longer work and instead, you will need to use an Argos account to shop with Tu.  

If you have placed an order with your combined Argos and Tu account, please sign in to My Account and view ‘Recent Orders’. From here, you can see all the info you need about delivery, collection and returns as well as print any of these documents for your records.  

Please note, Tu orders placed before 28 March 2023 won't show up in your new combined account. If you need access to an order placed before 28 March 2023, please contact our call centre on 0800 028 6658 and we can retrieve your order details.    

For more information on your combined account, please click here.

If you checked out as a guest and definitely haven’t received your order confirmation, then please contact us.

Absolutely. Please send an email to TuCustomerservices@sainsburys.co.uk and we'll be happy to send a VAT receipt out to you. Please include your order number in any emails you send us.

Klarna is a payments service that helps you buy the things you want or need. Right now, over 150 million people worldwide use Klarna at over 450,000 online stores. For more information on Klarna, please click here. To view Klarna's T&Cs, please click here.

For information on Klarna returns, please click here.

Klarna's Pay in 3 / Pay in 30 days are unregulated credit agreements. Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. 18+, UK residents only. Subject to status. T&Cs and late fees apply.

Klarna offers a few options depending on the purchase amount. These include:  
Pay in 3: Split your purchase into three interest-free instalments, with the first taken at checkout and the following two spread over 30 and 60 days.
· Pay in 30 days: Delay your entire payment for 30 days from the purchase date.
· Pay Now.

To use Klarna’s credit products, including Pay in 3 instalments and Pay in 30 days, you must be at least 18 years old and a UK resident. When you choose Klarna, they will also check the information you provide and your financial situation.

Klarna offers Pay in 3 based on a number of factors such as the purchase amount, and previous order history. You can improve your chances of being offered Pay in 3 by ensuring you provide your full name, accurate address details and arrange shipping to your registered billing address. All orders are assessed individually. Just because you have been accepted for Pay in 3 before does not mean it will be offered for every order. In turn, if your application for Pay in 3 is denied, it does not mean it will be denied for future orders.

If you want to purchase something using Klarna’s Pay in 3, you'll need to share your phone number, email address, current billing address and your credit or debit card details. If Klarna need to talk to you urgently they'll use the phone number you've shared. For any other information Klarna need to share with you, they'll send this to your email address.

When you use Pay in 30 days or Pay in 3, Klarna will perform a credit search. This means Klarna will look at certain information in your credit report to decide whether to approve your purchase. 

Unfortunately not right now, it is online only and you can use Klarna on argos.co.uk, Tu.co.uk and Habitat.co.uk.

Yes, as long as your Nectar card is linked to your Argos account. You can find out more about Nectar here.

Yes, you can use promotional codes when paying with Klarna.

Unfortunately, you are unable to part pay alongside Klarna.

Visit the Klarna app / Klarna’s Customer Service page for a full list of FAQs, live chat and telephone options. 

Klarna processes payment information securely. No card details are transferred to or held by Argos. All transactions take place through connections secured with the latest industry-standard security protocols. 

Yes

If you have not received your goods, please call Argos customer services to check on your order and delivery status. You can also contact Klarna’s Customer Service so that they can postpone the due date on your payment or put the order on hold in the Klarna app while you wait for the goods to arrive.

Klarna's Pay in 3 / Pay in 30 days is an unregulated credit agreement. Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. 18+, UK residents only. Subject to status. Minimum spend £30. T&Cs and late fees apply.

Klarna’s Pay in 3 is a credit product that lets you spread the cost of your purchases over 3 equal interest-free payments. Klarna will take the payments from your debit or credit card directly so you don't have to worry about missing a payment. Klarna will take the first payment when you make the purchase, the second 30 days later and the final payment 60 days from your purchase date. You can see your past and future payments at any time using the Klarna app.

Yes, you can. If you see Klarna Pay in 3 when you go to an online checkout then it is available to you. Every time you use Pay in 3, Klarna will check to see whether you can use Pay in 3 again for each additional purchase.

larna offers Pay in 3 based on a number of factors such as the purchase amount, and previous order history. You can improve your chances of being offered Pay in 3 by ensuring you provide your full name, accurate address details and arrange shipping to your registered billing address. All orders are assessed individually. Just because you have been accepted for Pay in 3 before does not mean it will be offered for every order. In turn, if your application for Pay in 3 is denied, it does not mean it will be denied for future orders. 

If you want to purchase something using Klarna’s Pay in 3, you'll need to share your phone number, email address, current billing address and your credit or debit card details. If Klarna need to talk to you urgently they'll use the phone number you've shared. For any other information Klarna need to share with you, they'll send this to your email address.

Klarna will take your Pay in 3 payments from the debit or credit card you shared when you made your purchase. Klarna will take the first payment when you make your purchase, the second payment after 30 days and the final payment 60 days from the day you made your purchase. You can see both past and future payments using the Klarna app.  Just go to the Klarna app or log onto Klarna.com/uk. to pay before the due date.

Klarna will notify you by email and push notification when a payment is due and when you have made or missed a payment. You can always check the status of your order and payments in the Klarna app or by logging in at www.klarna.com/uk. 

Pay in 3 instalments is a credit product and you are required to make your scheduled payments to Klarna. If Klarna is unable to collect your payment on the scheduled due date Klarna will make a further attempt to automatically collect payment seven days later. Should this next payment attempt fail, Klarna will make a final attempt to collect payment seven days later. They may continue to attempt to collect overdue and currently due payments on subsequent due dates, or invoice you separately for the unpaid total. Klarna may also share information about your missed payments with credit reference agencies. This means you may find it difficult or more expensive to use Klarna or other lenders' credit products in the future. Full details can be found in the Klarna terms and conditions here. https://cdn.klarna.com/1.0/shared/content/legal/terms/0/en-GB/paylaterin3

Klarna's Pay in 3 is an unregulated credit agreement. Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. 18+, UK residents only. Subject to status. T&Cs and late fees apply.

Pay in 30 days is a credit product which lets you pay any time within 30 days of your purchase interest-free. You can make this payment using a credit or debit card on the Klarna app or logging into www.klarna.com/uk. Klarna will send you a confirmation email once your order is confirmed with full details. You can see both past and future payments using the Klarna app.

Klarna offers Pay in 30 days based on a number of factors such as the purchase amount, previous order history. If you are 18 or over, you can improve your chances of being offered Pay in 30 days by ensuring you provide your full name, accurate address details and arrange shipping to your registered billing address. All orders are assessed individually. Just because you have been accepted for Pay in 30 days before does not mean it will be offered for every order. In turn, if your application for Pay in 30 days is denied, it does not mean it will be denied for future orders.

If you want to purchase something using Klarna’s Pay in 30 days, you'll need to share your phone number, email address, current billing address and your credit or debit card details. If Klarna need to talk to you urgently they'll use the phone number you've shared. For any other information Klarna need to share with you, they'll send this to your email address.

Yes, you can. If you see Klarna Pay in 30 days when you go to an online checkout then it is available to you. Every time you use Pay in 30 days, Klarna will check to see whether you can use the service again for each additional purchase. 

You can pay any time within 30 days of your purchase interest-free. You can make this payment using a payment card on the Klarna app or logging into www.klarna.com/uk. You can also enable Autopay and we will automatically collect payments on the due date. Klarna will send you a confirmation email once your order is confirmed with full details. You can see both past and future payments using the Klarna app. Just go to the Klarna app or log onto Klarna.com/uk. to pay before the due date. 

If you choose to pay for your order using Pay in 30 days, Klarna will send you an email showing you how to pay. The email will have a link you can use to make this payment using your credit or debit card. 

Klarna will notify you by email and push notification when a payment is due and when you have made or missed a payment. You can always check the status of your order and payments in the Klarna app or by logging in at www.klarna.com/uk.

Pay in 30 days is a credit product and you are required to make your payment to Klarna. If you don't pay for your order on time, Klarna may charge late payment fees. Klarna may also share information about your missed payments with credit reference agencies. This means you may find it difficult or more expensive to use Klarna or other lenders' credit products in the future. Full details can be found in the Klarna terms and conditions here. https://cdn.klarna.com/1.0/shared/content/legal/terms/0/en-GB/payin30bycard

As Pay in 30 days is a credit product, if you don't pay for your order Klarna may use a debt collection agency. Klarna may also report the missed payment to credit reference agencies. This means you may find it more expensive or difficult to get credit in the future.

Pay Now allows you to make a fast and easy payment of your online purchases using your online banking details. 
 

Klarna accepts major debit and credit cards such as Visa, Discover, Maestro and Mastercard. Prepaid cards are not accepted.