Pay Installments Policy

Installments

Shop Pay offers you the option to pay in full at checkout, or to split your purchase into regular payments with Shop Pay Installments. Installment options vary by store and can be used on orders over $50 USD, including discounts, shipping, and taxes.

Fees or penalties

For purchases split into 4 bi-weekly payments, there are no additional charges or interest rates applied. Purchases split into monthly payments may be subject to interest.

You can pay your balance off early without penalty.

There are no late fees. However, partial or late payments may affect your ability to use Shop Pay Installments in the future.

Credit scores and eligibility

Your credit scores aren't impacted if your purchase is split into 4 bi-weekly payments using Shop Pay Installments. If your purchase is split into monthly payments, then your payments may be reported to a credit bureau.

To use Shop Pay Installments, your shipping address needs to be in the United States.

Restricted items

There are some items that you can’t use Shop Pay Installments to purchase, including, but not limited to:

Cash advances

Illegal items and activities

Weapons, including parts and accessories

Narcotics

Regulated products such as alcohol, tobacco, or drug paraphernalia

Currency, including cryptocurrency

PayPal, Venmo, and other money transfer services

Loan and credit card payments

Learn more about Affirm’s terms of service or Shop’s terms of service.

Affirm is the originator and servicer of Shop Pay installments, but payments are managed in your Shop Pay account.

Making a payment

View my installment balance and payment schedule

In the Shop app:

On the Home screen, tap the installment purchase you want to review.

In Shop Pay on your desktop:

From the Shop Pay Account screen, click the installment purchase you want to review.

Add a payment method

In the Shop app :

Tap the Account icon in the bottom right corner.

In the Shop Pay section, tap Wallet.

In the Cards section, tap Add card, then complete the required fields.

Confirm or change your billing address.

Tap Save card.

In Shop Pay on your desktop:

In the Cards section, click the drop-down arrow and choose Add card.

Complete the required fields.

Confirm your bill to address. If you have to change your billing address:

Click the drop-down arrow and select Use a different address.

Update your information and click Save billing address.

Click Save card.

Note: If you want your new payment method to be used for existing purchases that are paid automatically, you need to update the automatic payment settings for each purchase.

Invalid payment methods

The following are not accepted for Shop Pay Installments:

Capital One credit cards

Pre-paid debit and credit cards

Change my automatic payment method

Your automatic payment settings aren't universal. That means that if you want to change the payment method for all purchases that have automatic payments, you need to change your settings for each purchase.

In the Shop app:

In the Home section, tap the purchase that you want to change the automatic payment settings for.

Tap View installments.

Tap Payment Options.

Make sure the Automatic Payment slider is swiped right.

Tap the payment method you want to use for this purchase.
Note: If the payment method isn’t listed, then tap Use a different card and complete the required fields.

In Shop Pay on your desktop:

From the Home page, select the purchase that you want to change the automatic payment settings for.

In the Automatic payments section, click Edit.

Use the drop-down list to select a payment method or use a different card.

Click Update.

Click Continue.

Turn off automatic payments

You can turn off automatic payments if you want to make manual payments instead. Make sure you turn off the automatic payment setting at least 24 hours before your next payment is due. If you don’t, then your next payment may be processed automatically.

In the Shop app:

In the Home section, tap the purchase whose payment setting you want to change.

Tap View installments.

Tap Payment Options.

Make sure the Automatic Payment slider is swiped left.

In Shop Pay on your desktop:

From the Home page, select the purchase whose payment setting you want to change

In the Automatic payments section, click Edit.

Click Disable.

Click Turn off.

Click Continue.

Make a manual payment

In the Shop app:

In the Home section, tap the purchase that you want to make a payment on.

Click View installments.

Tap Make a payment.

In the Amount to pay section, select your preferred option.
Note: Custom amounts must be more than $1 and less than or equal to the remaining balance.

In the Card section, tap the payment method you want to use.

Tap Pay now.

Tap Continue.

In Shop Pay on your desktop:

From the Home page, select the purchase that you want to make a payment on.

Click Make payment.

In the Amount to pay section, select your preferred option.
Note: If you type a custom amount, then it must be more than one dollar and less than or equal to the total remaining amount.

In the Card section, use the drop-down arrow to select your preferred payment method.

Click Pay now.

Click Continue.

Early or late payments

There are no fees or penalties for paying more than your installment amount, or for paying off your whole balance early. However, partial payments or late payments may affect future approvals to use Shop Pay installments.

Change my payment schedule

Your payment schedule is based on the date of purchase and can't be changed or combined with another payment schedule. However, you can pay any installment early without any penalty or fee.

Additional Questions

For questions about a payment, complete the form below.

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