Financing Terms: Interest-free plans require an official store card. Regular payment apps like Klarna or Zip only work if you shop inside their specific apps. App Quirks: The Crate & Barrel app saves your payment details safely. However, discount browser plugins can drop your coupon codes if you switch tabs while paying. In-Store Payments: Registers take phone taps and cash. You cannot pay off your store credit bill in cash at the counter; you must pay it online or by phone.