Payment Methods by Country: Paying from Outside the US

Quick Summary

Every country can pay on bowlersmart.com with a credit or debit card, PayPal, or Amazon Pay. Afterpay, Klarna and Affirm are the exception: they are offered only to customers with a United States billing address. All orders are charged in US dollars.

Quick Answer by Country
Payment Methods Available Everywhere
Afterpay, Klarna & Affirm: US Billing Address Only
PayPal Pay Later & Venmo
Currency & Bank Fees
Methods We Do Not Offer
Common Questions

💡 Short version: cards, PayPal and Amazon Pay work from any country we ship to. Afterpay, Klarna and Affirm need a US billing address. PayPal may also offer its own Pay Later plan depending on the country of your PayPal account.

🌎 Quick Answer by Country

The methods 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, PayPal Pay Later, Venmo, Amazon 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, PayPal Pay Later (if PayPal offers it to you), Amazon Pay, gift cards	Afterpay, Klarna, Affirm, Venmo
Canada, United Kingdom, Australia, Germany, France, Italy and other countries where PayPal runs its own Pay Later program	Credit/debit card, Apple Pay, Google Pay, PayPal, PayPal Pay Later (if PayPal offers it to you), Amazon Pay, gift cards	Afterpay, Klarna, Affirm, Venmo
Everywhere else we ship	Credit/debit card, Apple Pay, Google Pay, PayPal, Amazon Pay, gift cards	Afterpay, Klarna, Affirm, Venmo, PayPal Pay Later

For where we ship and what customs charges to expect, see International Shipping Details.

💳 Payment Methods Available Everywhere

These work with a billing address in any country we ship to:

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.
Amazon Pay: pay with the card and address saved in your Amazon.com account. Ship-to addresses outside the US are fine. See the Amazon Pay section of Payment Methods, Holds & Declined Charges for how the order confirmation and refunds work.
BowlersMart gift cards and store credit: apply the code at checkout first, then pay any remaining balance with one of the methods above.

🗓️ Afterpay, Klarna & Affirm: US Billing Address Only

Afterpay (shown at checkout as Cash App Afterpay), Klarna and Affirm are offered on bowlersmart.com only when the billing address is in the United States. This is set by our agreements with the lenders, not by where you live or where the order ships:

A billing address in Canada, the UK, Australia, Europe or anywhere else outside the US will not see these options, even if the lender operates in your country. Your Klarna or Afterpay 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.

Plans, limits, approval and payment schedules are explained in Buy Now, Pay Later (Afterpay, Klarna & Affirm).

🅿️ PayPal Pay Later & Venmo

PayPal Pay Later is PayPal's own installment plan (Pay in 4, Pay in 3, Pay Monthly and the local equivalents). It is separate from Afterpay, Klarna and Affirm. PayPal decides whether to offer it to you based on your PayPal account and its country. Customers in the United States, Canada, the United Kingdom, Australia, Germany, France and Italy have used it on bowlersmart.com. If it is available to you, it appears as a second button under PayPal in the cart and at checkout.
Venmo is available to US PayPal customers only.

💵 Currency & Bank Fees

Every price on bowlersmart.com is in US dollars, and every order is charged in US dollars.
Your card issuer, PayPal or Amazon 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 BowlersMart, and we cannot refund it.
Customs duties, VAT and GST are separate from the order total and are collected in your country. See International Shipping Details.

🚫 Methods We Do Not Offer

Bank transfers, wire transfers and local bank payment schemes such as iDEAL, Bancontact, SEPA or SOFORT
Cash on delivery or payment on invoice
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 bowlersmart.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.

Can I use Klarna in the UK?
No. Klarna on bowlersmart.com requires a US billing address. From the UK you can pay by card, PayPal (PayPal may offer you Pay in 3) or Amazon 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 (PayPal may offer you Pay in 4) and Amazon Pay all work.

Can I use Affirm from Canada?
No. Affirm on bowlersmart.com is US billing addresses only. Canadian customers can use card, PayPal (PayPal may offer you Pay in 4) or Amazon 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 and Amazon Pay all work, and PayPal may offer you its Pay Later plan.

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. See Buy Now, Pay Later (Afterpay, Klarna & Affirm).

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 by default until you confirm). PayPal is a reliable fallback. More in Payment Methods, Holds & Declined Charges.

Still have a question? Reach us through the contact form.