Finance with Shop Pay

To pay with Shop Pay Installments online:

1. Fill your cart, then choose Shop Pay at checkout.
2. Choose to pay in installments and tap Continue.
3. Select the installments option that best suits you.
4. Choose a debit or credit card to use for payment, then tap Continue.
5. Follow the steps to verify your identity—this usually takes just a few moments.
6. If you agree to the terms, click Agree, then tap Authorize purchase.
7. Enter the 6-digit verification code that was sent to your phone.

Checkout experience using Shop Pay Installments

1. Add items to your cart.
2. Check out using Shop Pay.
3. In the Payment method section, select Pay in installments and tap Continue to payment plans.
4. Verify any requested information and select your preferred payment plan.
5. Select a card to use as your payment method. Note: Monthly payments require a debit card. Credit cards are only accepted as payment methods on installment plans of 4 bi-weekly payments.
6. Confirm your billing and shipping information is correct. Note: Your address needs to be in the United States.
7. Click Continue.
8. If required, enter the 6-digit code sent by Shop Pay to your phone. 
9. If you agree to the terms, select the Agree checkbox and then complete your purchase. If you don’t agree to the terms and conditions, then you can’t pay using Shop Pay Installments.  

After you select Shop Pay Installments, review your purchase. Your payment schedule will be determined by the installment option you select, and you’ll get an email reminder before each payment is charged in case you want to change your payment method.

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 installment payments with 0% APR, or monthly installments with no hidden or late fees*.

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

For non-interest bearing orders, debit and credit cards are accepted through Shop Pay. For interest bearing orders, you can only pay using a debit card.

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

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

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

Yes, 20,000 USD is the order value limit that applies to purchases using Shop Pay Installments, including discounts, shipping, and taxes.

Can I pre-qualify for a purchase amount before visiting the store?

No. An application for Shop Pay Installments can only begin with a live checkout. only takes a few steps and you’ll get a real-time decision in minutes.

Can I buy gift cards with Shop Pay Installments?

You can't purchase gift cards using Shop Pay Installments. If you want to purchase 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?

There are no late fees for customers who miss a scheduled payment. However, partial payments or late payments might impact your credit score, or your eligibility to use Shop Pay Installments in the future. If you have questions 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?

To request a refund, contact the store where you purchased your item. Using their return policy, the store will advise if a return is possible. If a return is possible, then the store will advise how much the refunded amount will be. After your refund is processed, the refund amount will be applied 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, then 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, then the difference is returned to your original payment method within 3-10 business days.

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

Have more questions?

For questions about installment payments on Shop Pay, visit https://shoppay.affirm.com/.