About Shop Pay

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

Terms of Service

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.