Temu

AcceptedHalocard is accepted

Halocard is accepted at Temu. Temu accepts PayPal at checkout, along with Visa, Mastercard, Discover, American Express, Apple Pay, Google Pay, Venmo, Cash App Pay and Temu Credit. Klarna, Afterpay, Affirm and PayPal Pay Later cover buy now, pay later.

What payment methods does Temu accept?

Accepted

AcceptedHalocard
AcceptedCredit Cards
AcceptedDebit Cards
AcceptedPrepaid Cards
AcceptedApple Pay
AcceptedGoogle Pay
AcceptedPayPal
AcceptedVenmo
AcceptedCash App
AcceptedKlarna
AcceptedAfterpay
AcceptedAffirm
AcceptedTemu Credit

Not accepted

Not acceptedBank Transfer (ACH)
Not acceptedCryptocurrency
Not acceptedStablecoins

How does Temu appear on my statement?

TEMU.COM
WH*TEMU
WHALECO INC.

What merchant category (MCC) is Temu?

5311Department stores
5399Miscellaneous general merchandise

What is Halocard?

A US-issued Visa credit card that works like a debit card, with a separate virtual card for each merchant you pay. Use a disposable card that cancels itself after one charge, or keep a card open for the merchants you buy from often.

Create a card for Temu in a few minutes and pay with it straight away.

Get Your Halocard

Halocard on a phone, with Halocard metal cards fanned behind it

How to pay for Temu with Halocard

Create a card for Temu in Halocard

In your Halocard dashboard, create a new card, name it Temu and set a limit that covers what you are about to pay.

Add the card on your Temu payment methods page

Open the payment methods page in your Temu account and add a new credit or debit card. Enter the card number, expiry date, security code and billing address.

Pick the card under Payment methods at checkout

Start a checkout, select the saved card under Payment methods, check the total and submit the order.

Finish any 3D Secure check

If a 3D Secure screen appears, follow the instructions and enter the one-time code sent by text or email to complete the payment.

Official payment guidance from Temu

Accepted payment methods: https://www.temu.com/support/c3/what-payment-methods-do-you-accept-f-56-s-140.html
Why a payment is declined: https://www.temu.com/support/c3/why-has-my-payment-been-declined-f-56-s-145.html
Add or edit a saved card: https://www.temu.com/support/c3/how-do-i-add-remove-edit-my-credit-debit-card-or-visa-gift-card-f-56-s-141.html

Get Your Halocard for Temu

Tips for successful payments at Temu

AcceptedTemu applies any Temu Credit balance automatically and charges the card for the rest. Check the credit line at the bottom of the checkout page before you pay.
AcceptedSave the card on Temu's payment methods page, where you can add, remove or edit a card before checkout.
AcceptedEnter the billing name and address exactly as they appear on your Halocard.
AcceptedSet the card limit above the full amount, including any hold Temu places at checkout.

Why do Temu payments decline?

Card information is incorrect: Confirm the card number, expiration date, billing address and security code, then place the order again.
The card issuer declined the payment: Contact the bank that issued the card. Temu says only the issuer can explain this decline.
A technical error at checkout: If the details are right, try checking out in another browser or pay with another method.
PayPal will not complete the payment: PayPal's own security checks can stop a payment to a merchant. Contact PayPal customer service or pay with another method.

Temu payment FAQ

Does Temu accept PayPal?

Yes. PayPal is on Temu's list of accepted payment methods, and PayPal Pay Later is listed with its buy now, pay later options. To save PayPal, start a checkout, choose PayPal under Payment methods, tick Remember my PayPal account details and submit the order. Temu saves the account once the payment succeeds.

Does Temu accept Cash App or Venmo?

Yes. Temu's payment methods article lists Cash App Pay and Venmo, alongside PayPal, Apple Pay, Google Pay and major credit and debit cards.

Does Temu take Afterpay or Klarna?

Yes. Temu lists Klarna pay in 4, Afterpay, Affirm and PayPal Pay Later as its buy now, pay later services.

Why is there a pending Temu charge after a failed payment?

When you place an order, Temu asks your bank to confirm the card, and that authorization hold shows as pending. It is not a charge. If the payment fails or the order is canceled, the hold is removed automatically, usually in 3 to 6 business days. Temu cannot remove it sooner; only your bank can.

What does a Temu charge look like on my statement?

Most banks show TEMU.COM, sometimes followed by a reference number or a city or country code. Some show WH*TEMU or Whaleco Inc., the Delaware company that runs Temu.

About Temu

Temu is an online marketplace founded in Boston, Massachusetts in 2022. It connects shoppers with millions of merchandise partners, manufacturers and brands selling clothing, beauty, home goods, jewelry and more at low prices. Its marketplace is run by Whaleco Inc., a Delaware company.

Website: temu.com
Support: temu.com/support
Billed by: Whaleco Inc.
Billing region: United States ($USD)
Products: Local Warehouse, Best-Selling Items, 5-Star Rated
Revenue: US$61.8 billion for parent PDD Holdings, 2025