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Buy now, pay later with Shop Pay

You can add the buy now, pay later with Shop Pay messaging in your online store banner, and the following subheadline:

When you choose Shop Pay at checkout, you can split your purchase into flexible installment payments.*

Quick decision, flexible payments, no late fees

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.

How does it work?

Step 1

Add items to your cart or work with one of our designers to quote your project.

Shop pay add to card

Step 2

Go to check out and select Shop Pay.

Shop pay screenshot

Step 3

Under "Payment Option" select "Pay in installments"

Pay in installments screen shot

And that is it!

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.

If you finance your purchase with Affirm, your first payment is due approximately two weeks after your purchase is finalized.

Please note that due to extended delivery times, your loan payment(s) may be due before you receive your purchase.

Frequently Asked Questions

What is the option to pay in installments on Shop Pay?

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 four equal, biweekly installment payments with 0% APR, or monthly installments with no hidden or late fees*.

Is there a limit to how much I can spend on a single Shop Pay Installments order?

Yes, 30,000 USD or CAD is the order value limit that applies to purchases using Shop Pay Installments, including discounts, shipping, and taxes.

Can I pay in-store with Shop Pay Installments?

Yes, we offer Shop Pay Installments at our retail locations. Come visit us in store to learn more.

Can I pre-qualify for a purchase amount before visiting the store?

No. An application for Shop Pay Installments can only begin with a live checkout. Applying in store only takes a few steps and you’ll get a real-time decision in minutes.

When is my first payment due?

If you finance your purchase with Affirm, your first payment is due approximately two weeks after your purchase is finalized. Please note that due to extended delivery times, your loan payment(s) may be due before you receive your purchase.

Are there late fees?

No, there are no late fees if you miss a scheduled payment.

What if I miss an installment payment?

There are no late fees for customers who miss a scheduled payment. However, partial payments or late payments might impact your credit score, or your eligibility to use Shop Pay Installments in the future. If you have questions about a missed installment payment, then you can contact Affirm support for assistance.

What if I make a return on a purchase made through installments with Shop Pay?

To request a refund, contact the store where you purchased your item. Using their return policy, the store will advise if a return is possible. If a return is possible, then the store will advise how much the refunded amount will be. After your refund is processed, the refund amount will be applied 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, then 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, then the difference is returned to your original payment method within 3-10 business days.

If your order is made with interest payments, then the paid interest isn't refunded. When you make payments, the funds are first applied to the accrued unpaid interest and then to the principal. Interest is the cost of borrowing, and isn't refundable.

Have more questions?

For questions about installment payments on Shop Pay, visit https://shoppay.affirm.com/.

* Rates from 0-36% APR. Payment options through Shop Pay Installments are subject to an eligibility check and are provided by these lending partners: affirm.com/lenders. Options depend on your purchase amount, and a down payment may be required. State notices to consumers: affirm.com/licenses.