PLEASE NOTE SOME OPTIONS ARE CURRENTLY BEING REVAMPED OR RECONSIDERED FOR USE.  PLEASE BARE WITH US WHILE WE UPDATE THIS SECTION AND PAYMENT OPTIONS

You can select your preferred payment method at checkout (there are many to choose from) and we have in the works to offer many others with a more with broader payment terms.

  • We accept secure payments for both local and international customers via;
  • Credit cards including Visa, Mastercard, American Express, and Discover
  • Debit Cards
  • PayPal
  • Klarna
  • Direct bank transfer
  • Financing and layaway options

More on each option below.

Note that an additional exchange fee may apply if your currency is other than USD.

 

We’ve partnered with Klarna to provide you with easy payment options at our fast and secure checkout, so you can buy what you want, when you want.

 

Shop now, pay later with Klarna.

It’s smooth and simple

Klarna helps you elevate your shopping game. When you choose Klarna at our safe and secure checkout, you’ll get the option to shop now and pay later for your purchase. It’s shopping the way it should be. Effortless, safe and fun.

Monthly financing

Apply for easy monthly financing directly in our fast and secure checkout. A simple, 2-step application will provide an instant approval decision. Once you’ve been approved, you’ll receive reminders and can manage your payments directly in the Klarna app. Monthly financing products are offered by WebBank, member FDIC.

4 interest-free payments

Split your purchase into 4 payments so you can spread the cost of your purchase over time. Enter the credit or debit card of your choice for automatic payments every two weeks. No interest or added fees when you pay on time.

Pay in 30 days

With Pay in 30 days, you’ll get a free payment delay that allows you to pay for your purchase up to 30 days after it’s been shipped. No upfront payment, no interest, and no fees when you pay on time.

How to shop with Klarna

  • Add item(s) to your cart and head to the checkout.
  • Select Klarna at our safe and secure checkout to pay as you like for your purchase.
  • Manage your orders and payments in the Klarna app.

The best way to shop.

See all of your purchases in one place, pay any open balances and much more in the Klarna app. You can also log into your Klarna account at https://app.klarna.com/login. If you need any help, our Customer Service is there for you.

Safe and secure.

Klarna uses the latest safeguards and security to protect your information and prevent unauthorized purchases.

Frequently Asked Questions

What happens if I make a return?

If you need to return part or all of your order, Klarna will issue you with a new statement. Simply follow the retailer’s return instructions and make sure to take note of the tracking number. Log into your Klarna account, select “report a return”, and we’ll pause your statement. As soon as the retailer has processed your return, we will send an adjusted invoice.

There’s something wrong with my order. Do I still need to pay for it?

You do not need to pay for goods that are received damaged, broken, or defective. Follow Mybigfatstore’s® dispute instructions and “report a problem” in your Klarna account to pause your statement until the issue is resolved. As soon as the Mybigfatstore® has registered your return, the refund will be processed within 5-7 business days.

I have not received my order. What happens to my statement?

You do not need to pay the statement until you have received your order. Contact Mybigfatstore® for a delivery update, log into your Klarna account, and “report a problem” to pause your statement until you’ve received your order.

My statement is incorrect. What should I do?

If your statement does not match your order details, please contact Mybigfatstore® directly to correct your statement. Log into your Klarna account and “report a problem” to pause your statement until the details have been corrected.

 

 

 We’re always here to help!

Don’t see your question here? Check out Klarna’s full FAQ page. You can reach Klarna anytime at https://www.klarna.com/us/customer-service/ or by downloading the Klarna app.

About Klarna

We’re on a mission to reshape shopping, by elevating the entire shopping experience from browsing to owning. We do this by giving you the benefits of convenience, perks and inspiration.

Founded in Stockholm, Sweden, Klarna is one of Europe’s fastest-growing companies and a leading alternative payment provider. We have 3,500 employees across 17 countries, and are leading the way for alternative payments by serving 90 million consumers and 200,000 retailer’s payment solutions.

https://www.klarna.com/international/abou

Shop now, pay later with Klarna!

 

 

More Frequently Asked Questions

Don’t see your question here? Go directly to their  FAQ page.

What is Klarna?

Klarna is a global payment solutions provider that works with retailers to provide customers the smoothest online shopping experience. Klarna is in over 205,000 online stores and has more than 85 million users globally. Learn more.

How do I pay in 4 interest-free installments?

Select 4 interest-free installments to split your purchase into four payments, charged every two weeks beginning at the time your order is confirmed (usually the shipping date). No bills are sent – you can simply sit back, relax, and enjoy your purchase. View complete terms.

How do automatic payments work?

Payments are collected every other week from the debit or credit card you provide at the time of purchase. All scheduled payments are communicated to you by email and you can review your purchases by logging in at https://app.klarna.com/login.

How does Pay later in 30 days work?

When you checkout with Pay later in 30 days, you have the ability to try your items before you buy. Receive and review your order at home before ever making a payment. Once your order has been shipped, you’ll receive an email with instructions to pay. Need to make a return? Simply log in to the Klarna App.

Is there a fee to use any of your payment options?

There are no upfront fees when you follow the payment schedule. If you fail to make a payment on time late fees may apply. Please review the product terms for applicable fees.

Will this affect my credit score?

When you choose Pay later in 30 days or 4 interest-free installments, Klarna 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.

How can I reach Klarna?

You can reach Klarna anytime at https://www.klarna.com/us/customer-service/ or by downloading the Klarna App for 24/7 chat.

 

 

Paying later with Klarna.

Choose one of our payment options when shopping at your favorite retailers. Split the purchase into manageable installments or pay for your order up to 30 days later.

Interest-free installments.

Spread the cost of your purchase into 4 interest-free installments that are charged from your card every 2 weeks.

 

At our fast and safe checkout

Select the option to pay later in 4 interest-free installments and enter your debit or credit card information. It’s as simple as when making any other card purchase.

 

When the order is shipped

After the Mybigfatstore® confirms that the order is on its way we will charge your card for the first quarter amount. We’ll send you a notification once the payment has been processed.

 

Every 2 weeks

Every other week we will automatically charge your card one installment until the full order amount has been paid. You will be informed ahead of time.

No interest

It’s not too good to be true. We partnered with Mybigfatstore® to give you the best payment alternatives.

A new way to pay. An alternative to credit to help ease cost barriers. *

4 installments gives you the flexibility to shop without added interest. *

See legal terms.

*CA residents: Loans made or arranged pursuant to a California Finance Lenders Law license.

Pay in 30 days

Make your purchase today and start enjoying what you’ve ordered right away. Make payments online or in our app after having seen and tried the product IRL. No interest or added fees. Ever.

At our fast and safe checkout

Choose to pay in 30 days and enter simple top-of-mind information. No need for credit card numbers or complex information to complete the order.

When the order is shipped

Your 30-day payment period starts when the order is shipped. This means that you can take the time to try your order before buying it without the stress of upfront payment.

Making the payment

You can easily make your payment online or in the app. Once you’ve connected your bank account, debit, or credit card, the checkout process is as simple as a single tap.

Online shopping freedom

Paying after delivery allows you to try before you buy and is the easiest way to shop at our store.

Complete the payment 30 days after purchase at no added cost. *

The report returns directly in the app and only pay for the items that you keep. *

See legal terms.

*CA residents: Loans made or arranged pursuant to a California Finance Lenders Law license.

6–36-month financing

This easy and transparent credit option provides you with a revolving account that allows you to shop seamlessly with merchants that accept Klarna.

At our fast and safe checkout

Select to pay later with financing and choose your preferred payment plan. You’ll be informed of an annual interest rate upfront before you complete the transaction.

One-time credit agreement

Complete a simple, 4-step credit application with top-of-mind information. You will know instantly if you are approved and can complete the order right away.

The monthly payments

You will make the monthly payment online or in the app using bank transfer or card payments. We will notify you when it’s time to make the payment each month.

As simple as any other payment.

With the instant credit decision, you can complete the purchase directly with full transparency.

The simplest one-time sign-up process you’ve ever used. *

Get a full overview online or in our app of your payments. *

We have just added the fast and safe checkout from the trusted name of Amazon.

Amazon express checkout

What is Amazon Pay?

Amazon Pay is a service that lets you use the payment methods already associated with your Amazon account to make payments for goods, services, and donations on third-party websites, in apps, and using Alexa. To make a payment, you can use any of the payment methods on file in your Amazon account.

How do I sign up?

If you already have an account with Amazon, you only have to accept Amazon’s Conditions of Use and Privacy Notice when signing in on a non-Amazon site that accepts Amazon Pay. There is no separate registration process.

Am I protected when I use Amazon Pay?

If there are ever unauthorized Amazon Pay charges against your payment method, you can dispute the charge with us. You must notify us as quickly as possible, and no later than 13 months after the date of the transaction. Unless you have acted fraudulently or with negligence, you may not be held responsible for the charge. When you use Amazon Pay for qualified purchases on third-party websites, the condition of the item that you buy and its timely delivery may be guaranteed under the Amazon A-to-z Guarantee for Buyers. If you submit payment for a product or service and you do not receive the item or it is materially different than advertised by the merchant, you can dispute the transaction and request reimbursement. For more information, see the Buyer Dispute Program.

To learn more about filing a dispute for Amazon Pay transactions, see Disputing transactions.

Is my payment information shared with merchants?

We don’t share your full credit card, debit card, or bank account number with merchants or charitable organizations that accept Amazon Pay. We share with the merchant the payment information that is required to complete and support your transaction, which may include the last four digits of your card number and the card type.

What payment methods can be used with Amazon Pay?

Any of the payment methods available in your Amazon account can be used with Amazon Pay. Note that Amazon.com gift cards entered into your Amazon account cannot be used when making purchases with Amazon Pay on third-party websites.

What does it cost me to use Amazon Pay?

It costs you nothing. Using Amazon Pay adds no fees to your transaction with the merchant. Your purchase incurs no transaction fee, no membership fee, no currency conversion fee, no foreign transaction fee, and no other fees. Your card issuer, however, may add a foreign transaction fee if your card was issued in a country different from the merchant’s, as well as any other fees described in the terms and conditions for your card.

How do I make a payment?

When you see that Amazon, Pay is an accepted payment method for a product or service that you want to purchase, just click the Amazon Pay logo or button, enter your Amazon.com email address and password, and then choose your payment method. Some charitable organizations also take donations via Alexa. For more information about making payments using Amazon Pay, see Using Amazon Pay.

Lay-buy – a PayPal Company

At this time, we have depreciated this payment option dur to the fact it is a PayPal company and offer the same payment options but with less benefits

Is it safe & secure?

All LAY-BUY payments are automatically set up in Lay-Buy’s secure environment.

Are there any ongoing costs?

No ongoing costs – only a once-off admin fee, payable to Lay-Buy. The amount depends on the order value.

Are there any interest charges?

No interest charges ever

Are there any late fees?

No late fees ever

Is it flexible?

Yes, there be different at times but, always flexible

When do I receive the goods?

You receive your goods after your final payment

How are Lay-Buy installment payments paid?

Lay-Buy installment payments are auto-paid from your linked card in the Lay-Buy setup.

How do I ensure all my Lay-Buy installment payments been paid?

You can login into your account and track payment and see other account information for instance when you when you select this payment option and start the enrollment process click the ‘set available funding sources’ and follow the easy instructions to complete sent up

Can a you manually make payments towards to your Lay-Buy order?

No – all Lay-buy payments are automated via a recurring profile in your account.

How you settle a LAY-BUY account earlier?

You need to contact to contact us directly and we revise your payment plan. Unfortunately, you cannot revise it yourself You will then receive an email from a us with an embedded payment link for your payment of the balance in Lay-Buy – and earlier delivery.

What happens if a payment is missed?

Lay-Buy will then auto attempt again in 5 days, two more times – please ensure you have sufficient funds and have the correct card linked in your Lay-Buy setup.

Are you informed about a missed payment?

Yes, Lay-Buy sends an email notification to both parties

How do you catch up on a missed payment?

We will send an invoice you directly for any missed payments

Can you see your payment plan?

Yes, you can log in to your Lay-Buy account – go to settings >> payments >> pre-approved payments.

Lay-Buys does not have any information about you or your account or the login section on your account

Why does Lay-Buy auto-cancel a payment plan?

Lay-Buy will auto-cancel a profile if they cannot link the recurring payments to a card on file that was setup upon account opening

We are proud to announce our partnership with leading payment providers, PayPal and we bring you a few payment options from as well.

Before we get into the nitty gritty, we like to mention that PayPal brings an exclusive feature to out shop. The ability to checkout directly from the product page Well our API allows this option as well)!

PayPal Express Checkout

PayPal is the faster, more secure way to pay online. It lets you pay for your favorite things at millions of online stores in the U.S. and across 203 global markets—all without the hassle of converting currency. So, it’s just as easy to know how much you’re spending as it is to spend it. It’s free to sign up for a PayPal account and to download the PayPal app to receive and send money to other PayPal users.

In addition to one-time purchases, PayPal is also the faster, simpler way to make recurring payments to all your monthly bills and subscriptions.

Secure: whether you are paying bills, sending money, or making a purchase, PayPal works hard to keep your financial information secure.

Fast: no need to enter all your financial information every time you shop. Speed through checkout with PayPal.

Easy: not only is signing up for PayPal free, but you can also make purchases and send money to family and friends in the U.S. using your PayPal balance or bank account, at no extra cost. See All Fees.

  • PayPal is the faster, more secure way to pay online. It lets you pay for your favorite things at our online store and anywhere in the U.S. and across 203 global markets—all without the hassle of converting currency. So, it’s just as easy to know how much you’re spending as it is to spend it.
  • It’s free to sign up for a PayPal account and to download the PayPal app to receive and send money to other PayPal users.
  • Follow this link to setup a free account Sign Up for PayPal: Create a Business or Personal Account Now With PayPal  (at the time of this article this link worked but these things change so often, you never know).
  • In addition to one-time purchases, PayPal is also the faster, simpler way to make recurring payments to all your monthly bills and subscriptions.
  • Secure: whether you are paying bills, sending money, or making a purchase, PayPal works hard to keep your financial information secure.
  • Fast: no need to enter all your financial information every time you shop. Speed through checkout with PayPal.
  • Easy: not only is signing up for PayPal free, but you can also make purchases and send money to family and friends in the U.S. using your PayPal balance or bank account, at no extra cost. See All Fees.

What is Pay in 4?

Payin4-UI-1

 

  • Pay in 4 is a feature that lets you split your purchase into 4 payments, with the down payment due at the time of transaction and 3 subsequent payments made every 2 weeks thereafter. 


Will I be able to use Pay in 4?

  • We are offering Pay in 4 to a growing number of our US customers. Availability depends on your state of residence and you must be at least 18 years of age (or the age of majority in your state) to apply. You must also have a PayPal account in good standing or open a PayPal account in order to apply. 
  • If you choose Pay in 4 as your payment method when you check out with PayPal, you will be taken through the application process. You will get a decision instantly but not everyone will be approved based on our internal checks.

How can I pay with Pay in 4?

  • Just choose to pay with PayPal after you have selected your items and if it is an eligible transaction, you will see Pay in 4 as one of the available payment methods. Simply apply for a Pay in 4 plan in just a few steps, get an instant decision, and finish checking out.


What purchase amounts qualify for Pay in 4?

  • You can use Pay in 4 for eligible shopping cart values between $30 to $600. 

What are the terms and conditions for my Pay in 4 plan?

  • You must read the loan agreement of your Pay in 4 plan before you submit your application. You will see the link to the loan agreement when you choose to apply for Pay in 4 at checkout. You will also have the option to download the loan agreement. 
  • Once your plan starts, we will send you an email containing important information about your Pay in 4 plan, including how to locate your loan agreement.

Are there any fees associated with Pay in 4?

  • There are no fees for choosing to pay with Pay in 4, however if you are late with a payment, you may be charged a late fee.
  • Payin4-UI-2



How long will my Pay in 4 plan last?

  • Your individual plan will last a little over 6 weeks in total. The down payment will be due at the time of the transaction and 3 subsequent payments will be taken every 15 days thereafter. 

Where can I pay with Pay in 4?


Pay in 4 is available to use at selected merchants (which we are) where PayPal is accepted. Transactions can be made in all currencies that PayPal supports, not just USD. For transactions not in USD, PayPal will automatically convert the transaction amount to USD at checkout before providing you with your Pay in 4 plan. Currency conversion charges will apply as set out in your PayPal User Agreement.

Payin4-UI-3

We also offer the following payment option from PayPal.

Purchases of $99+:

PayPal Financing – 0% Interest if Paid in Full in 6 Months on Purchases of $99+

PayPal Credit

No Interest if paid in full in 6 months on purchases of $99 or more.

  • Interest will be charged to your account from the purchase date if the balance is not paid in full within 6 months.
  • A minimum monthly payment is required and may or may not pay off the promotional purchase by the end of the 6-month period.
  • No interest will be charged on the purchase if you pay it off in full within 6 months. If you do not, interest will be charged on the purchase from the purchase date at the Purchase APR applicable to your account.
  • For New Accounts: Variable Purchase APR is 23.99%. The APR is accurate as of 09/01/2020 and will vary with the market based on the Prime Rate (as defined in your credit card agreement). Minimum interest charge is $2.00.
  • Individual items that are less than $99 qualify for special financing when combined for a total of $99 or more in a single transaction.
  • Multiple separate transactions of less than $99 per transaction cannot be combined to meet the minimum purchase amount.

HOW PAYPAL CREDIT WORKS

 

  • PayPal Credit is a reusable credit line.
  • Shop with trust, security, and flexibility when you pay with PayPal. 
  • Click the PayPal button at checkout and choose the pay in 6 months credit option.

About PayPal Credit 

  • PayPal Credit is a reusable credit line available on purchases at our store. Plus, it comes with the same security and flexibility you trust from PayPal.
  • If approved, we start you off with a minimum credit line of at least $250. See FAQs for more info.
  • If you miss a payment your late fee could be up to $40, even less if it’s your first time. See FAQs for more info.

 

We also have three Mybigfatstore® branded payment options

PayPal standard credit card portal – Which does not require an account with them to use. We also offer several Buy Now Pay Later options from PayPal (must already have a PayPal account or sign up for a new one), several credit card payment gateway that accept every major card, and a few other offers we provide.

Mybigfatstore® Direct Bank Transfer – it’s fast and secure and doesn’t cost a thing. Once you create your account it takes just a couple of extra minutes to complete the bank transfer offer. Give it a try, oh and read the quick side note below.

On a side note: As a matter-of-fact, it pays you, you’ll earn 75 rewards points just for using our direct transfer as a payment. You will also get another 75 bonus points creating and registering a new account not to mention you will get $1 for $1 in points for your entire purchase so you could rack up enough points to save a pretty good chuck of $ off your next purchase. Well, more on the branded Mybigfatstore® rewards program in another post, actually I will leave a link at the bottom, just in case you would read about it and all the ways you can earn rewards.

Direct Debit Transfer – The fastest and most economical way to pay. Just enter your bank information once and good to go for any future payments. We are notified immediately and in more all cases the product goes out for delivery that very same day, if you meet the cut off time which varies by region). You also earn 75 extra bonus rewards for using this option (we are not required to pay a merchant fee for this option) so we pass the savings back to you. (fast, free and secure). Give it a try on your next purchase and way just give you a random bonus, 1 in 10 transactions receive this!

Mybigfatstore® Branded Wallet – Preload anytime, anywhere, no need to enter credit card information every time. Request cashback, transfer funds, receive random deposits from time-to-time from site admins, and much more! (fast, free and secure).

Mybigfatstore® Rewards Payment Portal – Out very own branded payment gateway. You can pay 100% of your order with your stocked up rewards points, if you don’t have enough, you can purchase just the right amount to complete your balance. This makes sense for a couple of different reasons, the price is reduced using the Rewards Gateway as payment (only if you select this option on the payment screen) you get more points for the purchase and you get points for completing the sale, just as you would with another purchase. Plus, you will be moving closer to leveling up and increasing tiers, which gives you more points per purchase and also you earn the option to receive “freebies” in your cart when reaching level three. This program has many more features besides the payment gateway option too numerous to mention here and has its document outlining these you can find it HERE

Stay tuned more to come very soon:

A more detailed document on the Payment Methods HERE