The HHS Pay Over Time feature allows you to split your payments into 4 bi-weekly or monthly payments using Affirm or Klarna. At the time of purchase, you are required to pay a quarter of the price upfront, and the remainder will be split into bi-weekly payments. No invoice or instructions sent - you can simply sit back, relax, and enjoy your purchase. You will be charged automatically every two weeks or once a month from the time your order is ships. All scheduled payments are communicated to you by email.