Financing

How it works

  1. Add items to your cart
  2. Check out with Shop Pay
  3. Choose the option to pay in installments

Your first payment is due at checkout. The remaining payments are automatically charged to the card saved to Shop Pay based on the payment plan you choose. Customers also receive an email reminder before each payment.

Why customers like it

  • Quick decision: Get a real-time decision on your eligibility
  • Easy payments: Split your purchase into easy bi-weekly or monthly payments
  • No surprises: No late or hidden fees

FAQ

What is Shop Pay Installments?

When checking out with Shop Pay, customers can choose to pay now or later. Paying in installments lets customers split their purchase into four equal, biweekly installment payments with 0% APR, or monthly installments with no hidden or late fees.

Which payment methods are accepted?

Debit cards are accepted for Shop Pay Installments orders. In some cases, credit cards might also be available for certain orders.

Who can use Shop Pay Installments?

Shop Pay Installments is available only to customers who:

  • Reside in the United States
  • Have a United States mobile phone number
  • Use a payment card with a United States billing address

Is there a spending limit?

Yes. In the United States, the order value limit for Shop Pay Installments is $30,000 USD, including discounts, shipping, and taxes.

Can customers use Shop Pay Installments in-store?

Yes, Shop Pay Installments can also be offered at retail locations for eligible stores in the United States.

Can customers pre-qualify before visiting the store?

No. An application for Shop Pay Installments can only begin with a live checkout.

Can gift cards be purchased with Shop Pay Installments?

No. Gift cards can’t be purchased using Shop Pay Installments. If a customer wants to buy gift cards along with eligible products, then they need to place two separate orders.

Are there late fees?

No. There are no late fees if a scheduled payment is missed.

What happens if a customer misses a payment?

There are no late fees. However, partial or late payments might affect a customer’s credit score or their eligibility to use Shop Pay Installments in the future.

What happens if a customer makes a return?

Customers should contact your store to request a refund. If the return is approved under your return policy, the refunded amount is applied to the original payment method within 3–10 business days, and the customer’s balance is updated.

  • If the refund is less than the total purchase balance, it might not reduce the next payment
  • Instead, the customer might have fewer payments, a smaller final payment, or both
  • If the refund is more than the remaining purchase balance, the difference is returned to the original payment method