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

When checking out with Shop Pay, you can choose to pay in installments. This option lets you split your purchase into 4 equal, biweekly payments, with 0% interest, no hidden fees, and no impact on your credit score. In some cases, your first payment is due at the time of purchase, while in other instances, the first payment is due two weeks after your purchase.

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

Shop Pay Installments typically accept major debit and credit cards (Visa, MasterCard, American Express, and Discover). Prepaid cards and Capital One credit cards are usually not supported. Payment methods may vary depending on the eligibility requirements for the installment provider.

Are there late fees?

No, Shop Pay does not charge late fees. However, missing a scheduled payment may affect your ability to use the installment option for future purchases. It's important to pay on time to avoid potential disruptions to your payment plan.

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

All sales are final unless there are issues like damages, defective items, or receiving the wrong product. If your return qualifies for a refund, the refunded amount will be returned to your original payment method within 3-10 business days, and your balance will be updated accordingly. If your refund is less than your total purchase balance, it may 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.

Learn more about our refund policy here: Refund Policy

For more details on refunds with Shop Pay, visit: Shop Pay Refunds

Have more questions?

For questions about installment payments on Shop Pay, visit shop.affirm.com/help.

Email: help@shop.affirm.com

Call: 855-914-3141

For questions about Shop Pay or the Shop App, visit shop.app/help/shop-pay. 

*Payment options are offered by Affirm and are subject to eligibility check and may not be available in all states. California residents: Affirm Loan Services, LLC is licensed by the Department of Business Oversight. Loans are made or arranged pursuant to California Financing Law license 60DBO-111681.