H&M

The link points to H&M’s German online shop; H&M itself is a global Swedish fashion retailer, but this site specifically targets customers in Germany. Wikipedia

Payment methods: typically credit/debit cards (e.g. Visa, Mastercard, Amex), Klarna (invoice and “pay later”/instalments), H&M gift cards, and in many cases digital wallets like Apple Pay or PayPal, depending on the checkout options. H&M+2finletter.de+2

Instalments: via Klarna you can “buy now, pay later” or split the payment into monthly instalments, subject to Klarna’s credit approval. H&M+1

Returns: most items can be returned within 30 days of receipt; sale/“Last Chance” items usually have a 14-day window. In-store returns are free, while postal returns for online orders generally cost about €2.99 per brand, with fees waived for certain membership tiers. hbod.eu+4H&M+4H&M+4

Warranty: mainly the statutory German warranty applies (normally 2 years for new goods); any additional commercial guarantee only exists where explicitly stated on the product page. bmjv.de+1

Shipping: shipping is not fully free – standard delivery has a small fee (e.g. €1.49) and becomes free to parcel shops from orders of around €30 and above; express delivery and bulky items (freight shipping) are more expensive. H&M+2H&M+2