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Shop Pay Installments

How it works

  • 1. Add items to your cart.
  • 2. Check out with Shop Pay.
  • 3. Choose the option to pay in installments.
  • 4. Your first payment is due at checkout. The remaining payments are automatically charged to your card saved on Shop Pay based on the payment plan you chose. Don't worry, you'll get an email reminder before each payment to remind you.

Are there any additional costs to customers?

  • For installments orders that are split into 4 biweekly payments, there are no additional charges, interest rates, or late fees.

Does using Shop Pay Installments impact my customer's credit score?

  • If you choose to pay in 4 equal installments, then your credit score isn't impacted.

Is there a cancellation fee when using Shop Pay installments?

  • The Shop Pay transaction fees are deducted from the refund

What is the minimum and maximum amount that Shop Pay will allow?

  • Shop Pay Installments is available only for orders between 50 USD and 3,000 USD, including discounts, shipping, and taxes.

Can I purchase gift cards using Shop Pay Installments?

  • No, gift cards must be paid in full at time of purchase.

I have a question about my loan, making a payment, or managing my account

I have a question about Shop Pay or the Shop app

Which payment methods are accepted?

  • Shop Pay Installments is available for purchases made using a credit and debit card. Capital One cards aren't accepted.


  • 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.