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Shop Pay FAQ

What is theoption to pay in installments onShop Pay?

When checking out with Shop Pay, you now have the option to pay now orlater. Paying in installments on Shop Pay allows you to split your purchaseamount into 4 equal, biweekly installment payments—with 0% interest, nohidden or late fees, and no impact on your credit score.* In someinstances, 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 theoption to pay ininstallments onShop 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 originalpayment 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 nextpayment. 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 toyour original payment method within 3-10 business days.

Have more questions?

For questions about installment payments on Shop Pay,

For questions about Shop Pay or the Shop App,


*Payment options are offered by Affirm andare subject to eligibility check and may notbe available in all states. California residents:Affirm Loan Services, LLC is licensed by theDepartment of Business Oversight. Loansare made or arranged pursuant to CaliforniaFinancing Law license 60DBO-111681.