Quick Summary
Every country we ship to can pay on CoolWick.com with a credit or debit card, PayPal, Apple Pay or Google Pay. Afterpay, Klarna, Affirm, Cash App Pay and Venmo are available only to customers with a United States billing address. All orders are charged in US dollars.
Quick Answer by Country
The payment options you see at checkout depend on the billing address you enter, not on where the order ships.
| Your billing address | Available at checkout | Not available |
|---|---|---|
| United States (50 states, DC, and APO/FPO/DPO military addresses) | Credit/debit card, Apple Pay, Google Pay, PayPal, Venmo, Cash App Pay, Afterpay, Klarna, Affirm, gift cards | Nothing is excluded |
| Puerto Rico, Guam, US Virgin Islands and other US territories | Credit/debit card, Apple Pay, Google Pay, PayPal, gift cards | Afterpay, Klarna, Affirm, Cash App Pay, Venmo |
| Canada, Australia, the UK, Europe, Japan and every other country we ship to | Credit/debit card, Apple Pay, Google Pay, PayPal, gift cards | Afterpay, Klarna, Affirm, Cash App Pay, Venmo |
Shipping costs and delivery times for international orders are in Shipping & Production Timelines.
Payment Methods Available Everywhere
- Credit and debit cards: Visa, Mastercard, American Express and Discover, issued by a bank in any country. Enter the billing address exactly as your bank has it on file.
- Apple Pay and Google Pay: appear automatically when your device and browser support them, using the card saved in your wallet.
- PayPal: sign in to any PayPal account. PayPal handles the currency conversion for you.
- CoolWick gift cards: enter the gift card number in the gift-card field at the top of checkout, then pay any remaining balance with one of the methods above. See How to Buy and Redeem a CoolWick Gift Card.
US Billing Address Only
These options are offered on CoolWick.com only when the billing address is in the United States. This is set by our agreements with each provider, not by where you live or where the order ships.
- Afterpay (shown at checkout as Cash App Afterpay), Klarna and Affirm: buy-now-pay-later plans. A billing address in Canada, the UK, Australia, Europe or anywhere else outside the US will not see them, even if the lender operates in your country, and an Afterpay or Klarna account from another country cannot be used here. A billing address in Puerto Rico, Guam, the US Virgin Islands or another US territory does not qualify; APO, FPO and DPO military addresses do. With a US billing address you can still ship to another country. The lender makes the final approval decision at checkout.
- Cash App Pay: for US Cash App customers.
- Venmo: for US PayPal customers.
Currency & Bank Fees
- Every price on CoolWick.com is in US dollars, and every order is charged in US dollars.
- Your card issuer or PayPal converts the charge to your own currency at their exchange rate. Some banks add a foreign transaction fee; that fee is set by your bank, not by CoolWick, and we cannot refund it.
- Any customs duties or import taxes your country charges are not included in the order total at checkout.
Methods We Do Not Offer
- PayPal Pay Later and Amazon Pay
- Bank transfers, wire transfers and local bank payment schemes such as iDEAL, Bancontact, SEPA or SOFORT
- Cash on delivery
- Payment in a currency other than US dollars
Common Questions
Why can't I use Afterpay, Klarna or Affirm from outside the US?
These three are provided on CoolWick.com through our US payment processor accounts: WooPayments, which runs on Stripe, and Afterpay's US program. Under those providers' terms, a US store can offer buy-now-pay-later only on domestic transactions, so the billing address has to be in the United States. Klarna, Afterpay and Affirm run separate programs in other countries (Klarna UK, Afterpay Australia, Affirm Canada and so on), and an account from one of those programs cannot be used with a US store. This is a rule set by the lenders and the processor, not a setting we can switch on for your country. Cash App Pay (through Square) and Venmo (through PayPal) are US-only products for the same reason.
Can I use Klarna in the UK?
No. Klarna on CoolWick.com requires a US billing address. From the UK you can pay by card, PayPal, Apple Pay or Google Pay.
Can I use Afterpay from Australia or New Zealand?
No. Afterpay here requires a US billing address, and an Australian or New Zealand Afterpay account cannot be used. Card, PayPal, Apple Pay and Google Pay all work.
Can I use Affirm from Canada?
No. Affirm on CoolWick.com is for US billing addresses only. Canadian customers can pay by card, PayPal, Apple Pay or Google Pay.
I live in Puerto Rico or Guam. Why don't I see Afterpay, Klarna or Affirm?
The lenders treat the territories as outside their US program. Card, PayPal, Apple Pay and Google Pay all work.
I have a US billing address but still don't see Afterpay, Klarna or Affirm.
Each lender has its own cart minimums and maximums and makes its own approval decision at checkout. If you are not approved, pick another method; your cart is unchanged.
My international card was declined.
Check that the billing address matches your bank's records exactly, and that your bank allows online purchases from US merchants (many block them until you confirm). PayPal is a reliable fallback.
Need Help?
- Contact form: coolwick.com/contact-us
- Phone: 1-800-279-2695
- Hours: Monday to Friday, 8:30 AM to 5:30 PM EST
Last reviewed: October 13, 2026. CoolWick is hand-made in the USA.