How Shop Pay Works
Buy now, pay later with Shop Pay. When you choose Shop Pay at checkout, you can split your purchase into 4 equal, 0% interest installment payments—with no additional, hidden, or late fees.*
How it works:
- Add items to your cart.
- Check out with Shop Pay.
- Choose to pay in 4 installments
Your first payment will either be due at checkout or 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.
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 4 equal, biweekly installment payments—with 0% interest, no hidden or late fees, and no impact on your credit score.* In some instances, your first payment is due when you make your purchase; otherwise, your first payment is due 2 weeks after your purchase.
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 debit and credit 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.
* 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.