Authorization Holds: When you place an online order, Champs Sports obtains an authorization that temporarily holds the funds. Your card is generally charged when the item ships. Gift/Prepaid Cards: If you pay with a Visa, Mastercard, American Express or Discover gift/prepaid card, keep the card until you are outside the return period because refunds are generally sent back to the original card. Klarna: Klarna Pay in 4 charges the first installment after the order ships, with the remaining three payments charged every two weeks. Afterpay: Afterpay offers Pay in 4 installments, with the first payment generally due at purchase.