Marks & Spencer accepts a number of different payment methods including M&S Bank, American Express, Visa and Mastercard, and online payment portals PayPal and Apple Pay. M&S also offers a number of payment options that allow you to spread the cost of your shopping, including Clear Pay, Sparks Pay, M&S credit card and PayPal pay in 3. Make sure you have read and understood the credit terms on any spread payment platforms before committing.