Payment Options | Gap Factory

To Pay with a Credit or Debit Card

When you pay with a credit or debit card, you need the name printed on the card, the card number, the month and year the card expires, and the 3-digit or 4-digit security code.

This information, along with the billing address for the credit card, is entered during the purchase process. For more information, see Placing an Order.

These credit cards are accepted at all of our stores and websites.

These store credit cards are accepted at all of our stores and websites.

Debit cards issued by the financial services companies listed above are accepted at all of our stores and websites.

What happens next?

Credit cards and store credit cards are generally charged only at the time we ship the item or items to you.

However for both credit and debit cards we may “pre-authorize” your order amount with your card issuer at the time you place the order. This may trigger an “authorization hold” on your card. For debit cards, which draw on funds in a bank account, this means the amount of your purchase remains in your account but is no longer available to you. For credit cards, the charge is not processed but the amount may be deducted from your available line of credit.

Your credit or debit card will then be charged at the time we ship your items to you. If your order is sent out in multiple shipments the charges will process as each individual part of the order ships (you will see multiple, smaller amounts charged to your account).

It can typically take three to seven days for the purchase amount to clear your account. Your bank controls the timing of authorizations and payments from your account; for details please check with your bank.

To Pay with a Gift Card

You can use a physical or electronic gift card from any of our brands, as well as an Options gift card, to purchase merchandise or services at any of our online stores.

Gift cards can't be used to make payments on any credit card account.

When you're ready to purchase, go to checkout (or click the Checkout button in the top right corner of the website).
In the payments section of checkout, type the 16-digit gift card number and 4-digit PIN (found on the back of the card) exactly as they appear.
Click Apply.

You see a confirmation message that the gift card value has been applied.

You can apply up to five gift cards per order. To use another gift card, repeat steps 2–3 above.

To pay with a Gap gift certificate, merchandise credit, or coupon received before July 2009, contact us.

What happens next?

When you use a gift card, we charge the card as soon as you place your order. If your purchase total is more than the value of your gift card, you can use another payment method to pay for the difference.

If your purchase total is less than the gift card's value, the gift card carries that remaining balance until you use it another time. For more information, see the topic about checking a gift card balance on Buying a Gift Card.

If the item you want to purchase becomes unavailable, or it's on back order and you choose to cancel it before it ships, we send you a new gift card to cover the cost of the item, plus any applicable taxes and promotions. We don't add the value back to the original gift card.

To Pay with Rewards

As a member of the Gap Inc. Rewards Program, you earn points that can be redeemed for rewards in $1 increments. Rewards can be redeemed at our Family of Brands for the purchase of merchandise. Rewards cannot be used for the purchase of gift cards, for taxes or state fees, packaging fees, shipping & handling or delivery charges, charitable donations, and gift wrap charges.

To Redeem Online

Log in to your account at checkout
The “My Rewards” section will display your available points balance, as well as any valid rewards certificates
Select the amount of points you want to redeem from the drop down
Select “redeem” button to apply your rewards to your total

To Redeem In Store

Enter your phone number on payment terminal
Alternatively, associates can look up an email address
The associate will see the customer's available rewards points balance, as well as any valid rewards certificates
The customer can choose how many rewards they wish to redeem

What happens next?

A message appears to confirm that the code has been applied to your order.

When you use a reward, we deduct that amount from your purchase total before charging for the remainder.

For more information, see About the Rewards Program.

To Pay with a Promotional Discount

Each promotion, or special offer, has a code that you can type in during checkout, which tells our system to apply that particular offer or discount toward your purchase.

Note: Before using any promotion, be sure to check its terms and conditions for specific guidelines, exclusions, and restrictions. Some promotions are good only for certain items or have other limits on use, while other promotions require that any remaining balance be paid using a Gap Inc. Credit Card. Most of our promotions cannot be combined with other offers or discounts.

When you're ready to purchase, go to checkout (or click the Checkout button in the top right corner of the website).
In the payments section of checkout, enter the promotion code exactly as it appears in the promotion, including uppercase or lowercase letters. Be sure to avoid including a space before the promotion code, which sometimes happens if you cut and paste from an email or other electronic communication.

The codes are usually a combination of letters and numbers. Unique promotion codes are 12 characters long (for example, “PWFXYPFGC2DD”). General promotion codes may be shorter and represent the promotion more clearly (for example, “FREESHIP” or “TAKE30OFF”).

Depending on the promotion, you may be able to apply more than one promotion code to a single online order. For example, if you have a promotion code for free shipping, and another for 10% off an item, you may be able to use both.

What happens next?

A message appears to confirm that the code has been applied to your order.

Promotion code values are applied to your purchase total first. You can use another payment method, such as a Gap Inc. Credit Card, to pay for the difference. (Many promotions have specific payment requirements, so be sure to check the details of the promotion before using it.)

If the message says a promotion can't be applied: This usually happens when a promotion has expired or can't be used with the items you want to purchase. Read the promotion terms and conditions carefully to understand how the promotion can and can't be used.

Also, some promotions cannot be combined. If you try to apply two such promotions, we apply the one that has the biggest benefit to you and explain what we did in a message during the checkout process. You can save the unused promotional code to use later with a different order.

To Pay Using a Combination of Methods

You can pay for any purchase using several different methods.

Let's say you're buying a pair of jeans and a child's jacket. You can use a promotions code for a 25% discount on the jacket, and then use up the last $27 on the gift card you got for your birthday. If there's a balance remaining, you can pay it with a debit card or credit card.

You could also redeem rewards in the payment mix.

You can use up to five promotion codes and rewards for a single purchase. That is, you can use one promotion and four rewards, or two promotions and three rewards, etc. Any rewards drawn from your points bank, regardless of value, count as one reward.

Promotion codes are always applied first to your purchase total, followed by rewards, gift cards, and then debit or credit cards.

To Pay with Apple Pay

Apple Pay can be used:

To buy merchandise as well as gift cards. For additional information, see Buying a Gift Card.
For orders available to ship-to-home. For additional information, see the related FAQ

Apple Pay cannot be used:

In combination with other online purchase payment options.
As payment method to place orders via telephone.
For orders that include any items to be picked up in store.
For single orders that need to be picked up at multiple stores. For additional information, see Shipping & Handling.
For orders that include made-to-order items sold and shipped by third-party sellers.
For orders with backordered items.

Can I use Apple Pay as a Rewards member or Gap Inc credit card member?

Rewards Members will earn 1 point for every $1 spent when using Apple Pay.

Rewards Cardmembers with a Gap Inc. Mastercard® or World Mastercard® will earn 5 points for every $1 spent using their Gap Inc. Mastercard® through Apple Pay.

For Gap Inc. Credit Card Rewards and Cardmember-only promotions, the promotion cannot be applied to an online purchase made using Apple Pay. Other promotions can be applied.

To Pay with PayPal

PayPal can be used:

To buy merchandise as well as gift cards. For additional information, see Buying a Gift Card.
For orders available to ship or In-Store Pickup. For additional information, see the related FAQ

PayPal cannot be used:

In combination with other online purchase payment options.
As payment method to place orders via telephone.
For orders that include both ship-to-home and In-Store items. They also can't be used for single orders that need to be picked up at multiple stores. For additional information, see Shipping & Handling.
For orders that include made-to-order items sold and shipped by third-party sellers.
For orders with backordered items.
In store.

Can I use PayPal as a Rewards member or Gap Inc credit card member?

Rewards Members will earn 1 point for every $1 spent when using PayPal.

The only Gap Inc. Credit Cards that can be used with PayPal are Mastercard® and World Mastercard® Credit Cards. For additional information, see Gap Inc. Credit Card program details. However, you will not earn your standard 5 points for every $1 spent when shopping at our brands.

Rewards Cardmembers with a Gap Inc. Mastercard® will earn 1 point for every $1 spent using their Gap Inc. Mastercard® through PayPal, or 2 points for every $1 spent using their Gap Inc. World Mastercard® through PayPal.

For Gap Inc. Credit Card Rewards and Cardmember-only promotions, the promotion cannot be applied to an online purchase made using PayPal. Other promotions can be applied.

You may see a temporary hold on your PayPal purchase amount. These holds usually clear within 10 days and are often applied when a credit or debit card is linked to PayPal. If you have questions, please contact your card-issuing bank or PayPal Customer Service at 1 (888) 221-1161.

To Pay with Afterpay

What is Afterpay?
Afterpay is a service that allows you to make purchases now and pay for them in four payments made every 2 weeks without any interest.

How do I use Afterpay?
Simply shop online and add items to your shopping bag and checkout as normal. At the checkout choose Afterpay as your payment method. First-time customers will need to register with Afterpay and provide payment details, and returning customers simply log in to make their purchase. It’s that easy! Please note that all items in your shopping bag must be eligible for Afterpay. You must meet additional eligibility requirements to qualify.

Where can I use Afterpay?
Afterpay can be applied to eligible purchases made across Gap Inc. online brands including Specialty and Factory sites. Afterpay is also available to use in the Gap Inc. mobile apps. The Afterpay card can be used for eligible purchases in Old Navy, Gap and Gap Factory stores.

Afterpay can be used:

To buy merchandise.
For orders available to ship or In-Store Pickup. For additional information, see the related FAQ

Afterpay cannot be used:

To buy gift cards. If your order contains gift cards, please use another online payment option to complete your purchase.
In combination with other online purchase payment options.
As payment method to place orders via telephone.
For orders that include both ship-to-home and In-Store items. They also can't be used for single orders that need to be picked up at multiple stores. For additional information, see Shipping & Handling.
For orders that include made-to-order items sold and shipped by third-party sellers.
For orders with backordered items.

Can I use Afterpay as a Rewards member or Gap Inc credit card member?

Rewards Members will earn 1 point for every $1 spent when using Afterpay.

The only Gap Inc. Credit Cards that can be used with Afterpay are Mastercard® and World Mastercard® Credit Cards. For additional information, see Gap Inc. Credit Card program details. However, you will not earn your standard 5 points for every $1 spent when shopping at our brands.

Rewards Cardmembers with a Gap Inc. Mastercard® will earn 1 point for every $1 spent using their Gap Inc. Mastercard® through Afterpay, or 2 points for every $1 spent using their Gap Inc. World Mastercard® through Afterpay.

For Gap Inc. Credit Card Rewards and Cardmember-only promotions, the promotion cannot be applied to an online purchase made using Afterpay. Other promotions can be applied.

Is there a limit to how much I can spend on a single transaction?
Yes, transaction value limits apply on Afterpay order purchases. It is currently between $35 and $1000.

Can I use Afterpay if I’m an international customer?
Afterpay is only offered to our customers who have a US billing address, US shipping address, a US Visa or Mastercard or American Express (credit or debit card), and a US mobile phone number. Customers with international billing addresses, shipping addresses, and/or phone numbers will not be able to set up an account with Afterpay.

How does the payment schedule work?
All customers are required to make their first payment at the time of purchase, with the remaining three payments deducted every two weeks from your chosen payment method. If you choose to make additional payments before your scheduled pay dates, you may do so through your Afterpay account.

You can log in to your Afterpay account to view your payment schedule and make a payment before the due date if you choose to do so.

Where can I find the Afterpay Payment Purchase agreement?
The agreement is available at https://www.afterpay.com/purchase-payment-agreement.

Where can I find common questions about payments?
Check out the Afterpay Payments FAQ

When will my items be delivered if I use Afterpay?
Afterpay orders are delivered as per our standard shipping time frame after you complete your order online.

Visit our Shipping and Handling page for more information.

What if I can’t pay an Afterpay installment?
If funds are not available or you otherwise do not make your payment when it is due, late fees may apply. Click here for complete terms.

Where can I find out more about Afterpay?
If you would like to know more about Afterpay, visit the Afterpay website www.afterpay.com for a comprehensive list of FAQs, terms, purchase payment agreement as well as Afterpay’s Privacy Policy which can be found at https://www.afterpay.com/privacy-policy. If you have any questions about your Afterpay account, please contact Afterpay directly via a web form found here.

If you believe there is fault or concern with your Afterpay purchase payment, please contact Afterpay customer support at info@afterpay.com