What is the option to pay in installments on Shop Pay?
When checking out with Shop Pay, you now have the option to pay now or later. Paying in installments on Shop Pay allows you to split your purchase amount into four equal, biweekly payments with 0% APR, or in monthly installments with no hidden or late fees*.
In some instances, your first payment is due when you make your purchase; otherwise, your first payment is due 2 weeks after your purchase. The next 3 remaining installments will be automatically charged to your card saved on Shop Pay every 2 weeks. And don't worry, you'll get an email reminder before each payment to keep you in the know.
This feature applies to orders totaling $50 - $1000 (excluding tax and shipping), and is available to US customers only at this time.
To use this option, click the Shop Pay option on the Checkout page:
After clicking "Pay now" at the bottom of the page, you will be taken to a page to complete your payment with Shop Pay Installments.
Which payment methods are accepted if I use the option to pay in installments on Shop Pay?
The installments option on Shop Pay is available on credit and debit cards.
Are there late fees?
No, there are no late fees if you miss a scheduled payment.
What if I make a return on a purchase made through installments with Shop Pay?
If we process a refund, the refunded amount will be returned to your original payment method within 3-10 business days, and your balance will be updated.
If your refund is less than your total purchase balance, it might not lower your next payment. Instead, you can expect fewer payments, a smaller final payment, or both.
If your refund is more than your purchase balance, the difference will be returned to your original payment method within 3-10 business days.
Have more questions?
For questions about installment payments on Shop Pay, visit shop.affirm.com/help.
For questions about Shop Pay or the Shop App, visit shop.app/help/shop-pay.
*Rates from 0-36% APR. Payment options through Shop Pay Installments are subject to an eligibility check and are provided by these lending partners: affirm.com/lenders. Options depend on your purchase amount, and a down payment may be required. State notices to consumers: affirm.com/licenses. Estimated payment amount excludes taxes and shipping.
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