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Shop Pay FAQ

What is Shop Pay?

  • In partnership with Affirm, Shop Pay offers you the option to pay in full at checkout, or to split your purchase into 4 equal, interest-free installment payments for orders between $50 USD and $3,000 USD.

How does Shop Pay work?

  • 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 4 equal, biweekly installment payments - with 0% interest, no hidden or late fees, and no impact on your credit score.
  • Your first payment is either due at checkout or 2 weeks after your purchase. The next 3 remaining installments are automatically charged to your card saved on Shop Pay every 2 weeks. Don't worry, you'll get an email reminder before each payment to remind you.

 Are there late fees or additional charges?

  • There are no additional charges, interest rates, or late fees.

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

  • If your refund amount is less than the amount remaining on your Shop Pay Installments balance, then you can expect one or both of the following:
    • A smaller payment balance on the final payment
    • Less future payments on the remaining loan balance
  • If your refund amount is more than the amount remaining on your Shop Pay Installments balance, then you can expect to receive the difference as a refund to your original debit card or credit card payment method within 3 to 10 business days.

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

  • The installments option on Shop Pay is available on debit and credit cards.

Have more questions?

LEGAL DISCLOSURES

Estimated Payment Amount on Product Page

  • The estimated payment amount excludes taxes and shipping. Payment options are offered by Affirm and are subject to eligibility check and might 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.

Payment Option

  • Payment options are offered by Affirm and are subject to eligibility check and might 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.