Payments

What is PayPal Pay in 3?

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. It's a great way to spread the cost of larger items or to cover emergencies, and is a helpful tool to manage your budget more effectively. Pay in 3 is an unregulated credit agreement, so you will have fewer protections under this agreement than you would under a regulated credit agreement. Carefully consider whether the purchase is affordable and how you will make the repayments. Be aware of the possible impact of using Pay in 3 and of missing payments, including making other borrowing more difficult or more expensive.

There are a couple of items that you can't earn Nectar points on, which are detailed here.

For all points related queries please use the nectar app to live chat with our friendly Nectar Colleagues or give them a call on 0344 811 0811.

You can join Nectar here or download the Nectar app to get a digital Nectar card. Or if you require a plastic card, you can request one on nectar.com or contact us.

You can find out more about Nectar here.

If your Nectar card is lost or damaged, you can request a replacement card online at Nectar.
In the meantime, you can continue using the digital card, which lives in your Nectar app.

How to do this online at Nectar.com
You can request a replacement card by going to 'Your account', scroll down to the 'Support' sections and select 'Replacement Nectar card'.

Just so you know, Nectar will issue you a new card number which you'll need to re-link to anywhere your card was previously linked. You can find out how to link your Argos and Nectar account by clicking here.

If your card is stolen, please get in touch with Nectar here.

Before you get started, here are a few points about how Nectar works at Argos;

Collecting points:

• You can now collect Nectar points on most purchases at Argos both online and in-store (see here for excluded items).
• You can collect 1 point per £1 you spend at Argos
• Bonus Nectar points can also be collected on some products on a promotional basis.
• You can find our Nectar offers here.
• To collect points you just need to link your Nectar card to your Argos account to shop online, or take your Nectar card (plastic or digital) with you when shopping in-store.
• Please allow 30 days for the Nectar points to appear in your balance.

Spending points:

• You can spend your Nectar points in-store and online.
• You can spend from 500 (£2.50) to a maximum of 100,000 (£500) Nectar points in one transaction.
• You'll need to spend your points in 500 point/£2.50 increments.
• To spend points online, you just need to link your Nectar card to your Argos account, select Nectar on the payment page, and choose how many points you'd like to spend.
• If you're paying in-store, simply have your Nectar card handy at the till point.

Find out more about Nectar at Argos here

Your points will appear in your Nectar account within 30 days. The reason for this, is that Nectar points are issued in line with our returns policy. You have 30 days to return most things – so that's why there's a delay before any new points show on your Nectar balance.

If your balance hasn't been updated in this time get in touch with our friendly Nectar colleagues, using the Nectar app or give them a call on 0344 811 0811.

When spending Nectar points: You can't use your points to pay for delivery charges, as a part payment when checking out using Klarna, or, to buy gift cards or digital download content. Other than that, spend your Nectar points on anything you like.

When collecting Nectar points: You can't collect points when purchasing the following products and services:

• Pet Insurance
• Delivery charges
• Gift Cards
• Argos Monthly Care (please note points can be collected on Replacement Care, Furniture Care, Jewellery Watch Care and fixed-term Breakdown Care)
• Argos eBay Stores
• Argos Clearance Stores
• Argos Spares
• Mobile Phone Cards/Vouchers

Delivery charges are excluded from the total basket spend for minimum spend bonus Nectar points promotions.

You'll need your login details to both your Argos and Nectar accounts. Sign in to your Argos account.

1. Select 'Your Account' Then choose 'Ways to Pay'
2. From here, you'll see how to add your Nectar details (you'll need your Nectar account password and card number).

You can find out more about Nectar here.

At Sainsburys and Argos 500 Nectar points have a value of £2.50. We also have a maximum Nectar point transaction of 100,000 points (£500).

You can view our partner offers in your Nectar account here.

You have the same options whether you shop online or in-store.

You can spend from 500 (£2.50) to a maximum of 100,000 (£500) Nectar points in one transaction. You'll need to spend your points in 500 point/£2.50 increments.

If you have enough Nectar points cover the full price of the purchase we will take you to the nearest £2.50/500 point increment and then request you to pay any remaining balance.

There are a few things that you can't purchase with your Nectar points, you can find full details here.

You can collect 1 point for every £1 you spend online and in-store. See our Terms and conditions for exclusions.

Bonus Nectar points can be collected on some products on a promotional basis. You can find if we have any current Nectar offers here. You just need to link your Nectar card to your Argos account to shop online.

Absolutely; as long as you link your Nectar card to your Argos account with 14 days of your transaction you can still collect your points (they will appear in your Nectar account within 30 days).

Find out how to link your account here

You can get Nectar points added after a transaction by contacting our friendly Nectar colleagues, you'll just need your proof of purchase.

You can live chat the team via your Nectar app or give them a call on 0344 811 0811.

Our instore colleagues are unable to add any Nectar points for you.

You'll need both a Nectar and Argos account to spend your points. Set up your Argos account here.

Full details of how you can collect and spend Nectar points at Argos, can be found here.

You can log in to 'Your Account 'on the Argos website and head to the 'Gift Cards' section. When you reach the balance checker, enter these 2 numbers

1. Either the 19- or 20-digit card number
2. The 4-digit security PIN

You can manage your Multi Brand Gift Card or eGift Card online by registering your card here.This facility will allow you to view your balance and transactions history.If you have already registered click here to log into your account.

Once you register your card, you will have access to an online account facility where you will have the following functions:

• Balance enquiry
• Transaction history
• Block your card if lost or stolen

You can also check your balance via the following options:

• Our automated phone line on 0800 636 262 you will need the 19-digit card number and PIN for this process.
• Ask a store colleague at the till to complete a balance check. Note, we will also provide you with a receipt after each transaction to confirm the balance.
• Once you have purchased something with your Gift Card or eGift Card you will be given a till receipt and a Gift Card statement which will show your opening and closing balance.

Your eGift Card balance automatically updates three times a day. Keep track of your balance by re-opening the eGift Card via the link we've sent you or refresh the page in your browser after using your eGift Card in-store or online.

If your balance doesn't look up to date, please try again later or check your balance at www.argos.co.uk. This applies to Multi Brand eGift Cards in your Apple digital wallet too.

To check your gift card balance, you can head to 'Your Account' at www.argos.co.uk. Once logged in click on the Gift Cards from here you can check your balance.

If your Argos Gift Card or eGift Card does not start with 10000 you can also register it here. This facility will allow you to view your balance and transactions history. If you have already registered click here to log into your account. Once you register your card, you can check your balance view your transaction history and block your card if it's lost or stolen.

Your eGift Card balance automatically updates three times a day. Keep track of your balance by re-opening the eGift Card via the link we've sent you or refresh the page in your browser after using your eGift Card in-store or online. If your balance doesn't look up to date, please try again later or check your balance at www.argos.co.uk. This applies to Argos eGift Cards in your Apple digital wallet too.

Alternatively, if you're popping into a store, you can take your Gift Card or eGift Card to a till point and one of our colleagues can check the balance for you.

The Multi brand Gift Card can be spent in the following places:
In store:

• Argos staffed tills
• Sainsbury's staffed tills
• Sainsbury's self checkouts

Digitally:

• Argos.co.uk
• Sainsburys.co.uk
• Habitat.co.uk
• Tu.co.uk
• Argos App
• Sainsbury's App

If your card has a 4-digit security PIN and the card number starts with 10000/98260 then you can pay for Argos orders, including delivery, with a Gift Card or eGift Card.

If you don't have a 4-digit security PIN then you'll only be able to use your Gift Card in-store.

We've worked hard with our insurance provider to make sure that with Argos Care you can have peace of mind if the unexpected happens.

It's always good to check other options, if you'd like to compare against other alternative providers you can do that here.

It is also worth checking if your items are already covered by your household contents insurance too.

Argos gift cards cannot be used in Sainsbury's right now sorry. The key thing is you need to see the Argos logo when you shop with an Argos Gift Card or e-Gift Card, and this does include Argos-branded concession stores inside Sainsbury's. You can also shop on Argos.co.uk or an Argos app but choose to collect at a Sainsbury's near you. You can find out more about our Argos Gift Cards here.

Our Sainsbury's, Argos, TU & Habitat ("Multi Brand") gift cards however, can be spent in Sainsbury's and Argos stores and online at argos.co.uk, Sainsburys.co.uk, tu.co.uk and habitat.co.uk. You can find out more about our Multi Brand gift cards here.

If your card starts with 10000/98260 and has a 4-digit security PIN then you can use it online or in-store. It doesn't matter if it is an eGift Card or physical Gift Card.

At Checkout choose 'Gift Cards' as your payment option and you'll be able to pay either part or the full amount this way. If your card doesn't have a 4-digit PIN then you'll only be able to use it in-store.

You can use up to 3 Argos Gift Cards/eGift Cards online in one transaction. You can pay for your order in full with Gift Cards or gift vouchers. Alternatively, they can be used to partially pay, in combination with other payment types.

There's no limit when using Gift Cards in-store.

All Gift Cards or eGift Cards hold an expiry date, which you can find detailed on your eGift Card. If you're unable to find this, or your gift card is physical, you can check your gift cards on your online account, using the online balance and expiry date checker in the My Account section.

If you don't use the value of the card within the valid time frame given, any remaining balance will be cancelled, and we aren't able to extend or re-activate cards beyond the advertised date.

If you're expecting a free voucher code as part of an Argos order or promotion the details will be on your confirmation email or provided by a colleague whilst in store.

Vouchers or promotions that come with selected items from the brand or manufacturer directly will have instructions included with the product.

Did someone say 'money off'?...

You can check out our latest promo codes here and save money while you spend with us.

Already have a code?

Here's how to use it online:

1. Copy the code (or scribble it down).
2. Paste or enter the code in the 'Promo codes, Gift cards & Flexecash' section of the payment stage
3. Click 'add promo code'
4. If you're code is valid, it will apply to your order and the discount will deduct from the total amount.

Here's how to use it instore:

1. Check the T&Cs to see if the code can be used instore.
2. Quote the code at the till when paying for your item.
3. If the code can be redeemed instore the money will be removed at the till.

We understand it's a difficult time when you lose someone close to you, so we want to make dealing with any financial matters as simple as possible.

If you need to speak to someone to discuss closing an Argos account you can contact us on 03456 400 700 – We're available 8.00am-6.00pm Monday to Saturday, Sunday 10.00am-6.00pm.

Please call us on 03456 400 700.

We completely understand that, from time to time, your circumstances might change and you might struggle to make a payment. If you're having any problems at the moment, please do call us and we can talk through which options are available to you.

Need help coping with the Cost of Living?

If you're feeling the pinch from rising living costs, don't worry, we're here to help. Visit our handy Money Worries help page, where you will find information on the help and support available to help you cope with the cost of living rise. This includes a handy budget tool where you can access guides and tools on how to handle these costs.

Please call us on 03456 400 700.
We completely understand that, from time to time, your circumstances might change and you might struggle to make a payment. If you're having any problems at the moment, please do call us and we can talk through which options are available to you.

If you're feeling the pinch from rising living costs, don't worry, we're here to help. Visit our handy Money Worries help page, where you will find information on the help and support available to help you cope with the cost of living rise. This includes a handy budget tool where you can access guides and tools on how to handle these costs.

The cost of living crisis is affecting all of us and making it harder to balance our household budgets. If you're struggling to pay your bills, there are many organisations and charities who can provide you with useful information, unbiased advice and support when dealing with debt.

We've detailed some of them here, and you can talk to them about your financial concerns in complete confidence – we'd encourage you to take advantage of the free help available.

Please be aware that there are also many similar debt management businesses that will charge you for their services.

Use the Budget Tool to help you handle your costs

Argos Financial Services is working in partnership with StepChange to provide customers with access to free debt advice and support.

StepChange provide free, flexible debt advice, practical help and guidance for however long it's needed. Whether you need budgeting tips or free debt help, you can be confident that they can provide the support you need to achieve long-term financial control.

Take the free Money Health Check to find out how StepChange could help you. It's quick and easy to complete, and will give you a personalised recommendation on what to do next.

An important thing to remember when seeking help with the cost of living

Professionals or organisations you speak with while seeking financial advice will:

• Never judge you or make you feel bad about your situation
• Always be happy to talk to you, however big or small your problem might be
• Find ways to manage your debts even if you think have no spare money
• Suggest ways to deal with your debts that you may not know about

We understand that losing someone close is a very difficult time, and we want to make handling any financial matters as simple as possible.

If you need to speak with someone about closing an Argos account, please contact us on 03456 400 700. Our team is available Monday to Saturday from 8:00 am to 6:00 pm, and Sunday from 10:00 am to 6:00 pm.

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.

You can find out more about Klarna here

Yes, as long as your Nectar card is linked to your Argos account.

You can find out more about Nectar here

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 will charge you a late fee if you do not pay up to 14 days after your 2nd or 3rd instalments are due. They will attempt up to three times to charge your card within this time. If they are still not able to collect payment from you, they will charge you a late fee. You will not be charged a late fee if they collect payment or you pay them before then. They'll send you plenty of friendly reminders so you can make sure you've got enough money on your card before they collect payment from you.

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.

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.

You can find out more about Klarna here

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

You can find out more about Klarna here

Klarna is a payment option that allows you to spread your purchase cost over time. When you make a purchase from us using Klarna, please, be aware that we share certain data with Klarna. This is used to enable the transaction and for the purposes set out in their Privacy Notice

Data We Share with Klarna:

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

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.

You can find out more about Klarna 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. Ts&Cs and late fees apply.

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.

You can find out more about Klarna here

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

You can find out more about Klarna here

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.

You can find out more about Klarna here

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

You can find out more about Klarna here

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 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.

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. A credit search will also be performed. 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.

You can find out more about Klarna here

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

You can find out more about Klarna here

Once Argos has received the partial return and Klarna have received our confirmation, an updated statement with an adjusted payment schedule will be sent to you by Klarna. You are always able to monitor the status of your order in the Klarna app.

You can find out more about Klarna here

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.

You can find out more about Klarna here

Refunds will be issued back to the debit or credit card which was originally used at checkout.

You can find out more about Klarna here

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.

You can find out more about Klarna here

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.

You can find out more about Klarna here

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.

You can find out more about Klarna here

As soon as Argos has confirmed with Klarna that your cancelation/return has been accepted, Klarna will cancel any future scheduled payments as well as refund any amounts due. You will see the return in the Klarna app immediately.

You can find out more about Klarna here

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

You can find out more about Klarna here

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. Ts&Cs and late fees apply.

You can view the terms and conditions here

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.

You can find out more about Klarna here

Occasionally when placing an order errors can happen and an order may not fully process. When this happens it's called a pending order. This means that we've attempted to take a payment but the order hasn't been generated.

If you don't receive email confirmation within 2 hours of placing your order, but the funds are showing as a pending transaction from your bank account, this will be a pending order, meaning the order hasn't been successful.

Please don't worry if this happens, the funds will be released back to your bank account within 5 working days, and often this happens much sooner. This will all happen automatically so you won't need to contact us or your bank.

We know its frustrating when an important device stops working. We have Monthly Care to protect you, provided by the UK's leading specialist warranty provider Domestic & General.

Monthly Care stops you having to worry about the unexpected costs of repairing your item. If we can't repair your item, we'll replace it with a new item, or we'll give you the equivalent value in Argos vouchers so you can choose your own replacement.

For more information regarding our care plans, please click here.

If you're encountering an error or having difficulties during payment, please double-check your card details to ensure they're correct. You can check what payment methods we accept here.

You can also try basic troubleshooting for your browser such as:

• clearing cache/cookies
• using incognito mode
• using a different browser or device, if available

If the above information doesn't help, you might also want to try using a different payment method.

If your card was refused, you'll need to contact your back directly for clarification.

To add a new payment card to your online account, proceed to checkout and once you are on the payments page, you'll see an option for 'saved cards' or 'new payments'.

To add a new card, select 'new payments', choose the relevant payment type and enter the details for the card. Once you've done this, you can select the tick box for 'save this card' to store this in your online account for future orders.

To find out what payments we accept, click here.

We take a range of cards and payment methods at Argos, which you'll find below. You can also find more details here. Some payment options can only be used when shopping online, or in-store.

Payment Types
Online

• Argos Pay
• Nectar
• Visa
• Mastercard
• Maestro
• American Express
• Paypal
• Argos e-gift card
• One4all
• Christmas Club Card
• Klarna
• Love2Shop.

In-store

• Nectar
• Visa
• Mastercard
• Maestro
• American Express
• Love2Shop
• Argos e-gift card
• One4all
• Google Pay
• GBP cash at manned tills.

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

For businesses, who wish to order an amount over £750, please click here

Yes, we have a trade in option for customers purchasing certain devices. You should see a banner alongside the product you'd like to purchase with the option to recycle your old device. This is currently only available online. Estimates are provided by our partner MTR.

For more information, please use the details below:
Phone: 01277 361794 Monday - Friday 09:00 - 17:30
Email: argostradein@mtr.co.uk
Website - https://www.argos-tradein.co.uk/

You can get a Gift Receipt upon request, in-store only. If you'd like the store colleague to print one for you, simply ask at the checkout and they'll be happy to help.

With a Gift Receipt, the recipient will be able to exchange the product for something of the same value, or if they can't find an alternative, we'll place the amount back to an Argos Gift voucher. This only applies if the item meets our standard return criteria, and it is within the 30 day return period. You can find full details of our returns policy here.