How it works

  1. Add items to your cart (or shopping bag).
  2. Check out with Shop Pay.
  3. Choose the option to pay in installments.

Your first payment is due at checkout. The remaining payments areautomatically charged to your card saved on Shop Pay based on thepayment plan you chose. Don't worry, you'll get an email reminder beforeeach payment to remind you.

Buy now, pay later with Shop Pay

You can add the buy now, pay later with Shop Pay messaging in your online store banner, and the following subheadline:

When you choose Shop Pay at checkout, you can split your purchase into flexible installment payments.*

Quick decision, flexible payments, no late fees

You can create icons for quick decision, flexible payments and no late fees, and use the approved text.

Quick decisionGet a real-time decision on your eligibility.

Easy paymentsSplit your purchase into easy bi-weekly or monthly payments.

No surprisesNo late or hidden fees.

If you finance your purchase with Affirm, your first payment is due approximately two weeks after your purchase is finalized. Please note that due to extended delivery times, your loan payment(s) may be due before you receive your purchase.

What is the option to pay in installments on Shop Pay?

Whenchecking out with Shop Pay, you now have the option to pay now orlater. Paying in installments on Shop Pay allows you to split yourpurchase amount into four equal, biweekly installment payments with 0%APR, or monthly installments with no hidden or late fees*.

*Rates from 0% APR 10-36% APR. Payment options through Shop PayInstallments are subject to an eligibility check and are provided bythese lending partners: Options depend on yourpurchase amount, and a down payment may be required. State notices toconsumers

Which payment methods are accepted if I use the option to pay in installments on Shop Pay?

Fornon-interest bearing orders, debit and credit cards are acceptedthrough Shop Pay. For interest bearing orders, you can only pay using adebit card.

Can I use Shop Pay Installments if I'm an international customer?

ShopPay Installments is only available to customers with a United Statesbilling address and a United States mobile phone number. Customers withinternational billing addresses or phone numbers can't use Shop PayInstallments.

Is there a limit to how much I can spend on a single Shop Pay Installments order?

Yes,17,500 USD is the order value limit that applies to purchases usingShop Pay Installments, including discounts, shipping, and taxes.

Can I buy gift cards with Shop Pay Installments?

Youcan't purchase gift cards using Shop Pay Installments. If you want topurchase gift cards along with Shop Pay Installments eligible products,then you need to place two separate orders.

Are there late fees?

No, there are no late fees if you miss a scheduled payment.

What if I miss an installment payment?

Thereare no late fees for customers who miss a scheduled payment. However,partial payments or late payments might impact your credit score, oryour eligibility to use Shop Pay Installments in the future. If you havequestions about a missed installment payment, then you can contact Affirm support for assistance.

What if I make a return on a purchase made through installments with Shop Pay?

Torequest a refund, contact the store where you purchased your item.Using their return policy, the store will advise if a return ispossible. If a return is possible, then the store will advise how muchthe refunded amount will be. After your refund is processed, the refundamount will be applied to your original payment method within 3-10business days and your balance will be updated.

If your refund isless than your total purchase balance, then it might not lower your nextpayment. Instead, you can expect fewer payments, a smaller finalpayment, or both.

If your refund is more than your purchasebalance, then the difference is returned to your original payment methodwithin 3-10 business days.

If your order is made with interestpayments, then the paid interest isn't refunded. When you make payments,the funds are first applied to the accrued unpaid interest and then tothe principal. Interest is the cost of borrowing, and isn't refundable.

Have more questions?

For questions about installment payments on Shop Pay, visit