Payment Options
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.
In addition, when you check out with Shop Pay, the delivery emissions from your order are automatically offset for free.
FAQS
Are there any additional costs to customers?
No. There are no additional charges, interest rates, or late fees. There is also no impact to your credit score.
How does it 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.* In some instances, your first payment is due when you make your purchase; otherwise, your first payment is due 2 weeks after your purchase.
Are there any exclusions?
Shop Pay is available for all products except for Gift Cards, Services, + Subscriptions.
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.
