Shop Pay FAQ

Are there late fees?

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

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 flexible installment payments.* Your first payment is due when you make your purchase.

*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.

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

If your refund amount is less than the amount remaining on your Shop Pay Installments balance, then you can expect one or both of the following:

  • A smaller payment balance on the final payment.
  • Less future payments on the remaining loan balance.

If your refund amount is more than the amount remaining on your Shop Pay Installments balance, then you can expect to receive the difference as a refund to your original payment method within 3 to 10 business days.

Disclosure:
*If you select the monthly payment option instead of the 4 payment option, if a return occurs, you will not be refunded any interest paid.  All interest paid is non-refundable.

Which payment methods are accepted if I use the option to pay Installments on Shop Pay?

The installments option on Shop Pay is available on debit cards.

Have more questions?

  • For questions about installment payments on Shop Pay, visit https://shoppay.affirm.com.
  • For questions about Shop Pay or the Shop App, visit https://help.shop.app.
Disclosures:
*If you select the monthly payment option instead of the 4 payment option, if a return occurs, you will not be refunded any interest paid.  All interest paid is non-refundable.
*The estimated payment amount excludes taxes and shipping. 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.
*Rates from 0% APR or 10-30% APR. Payment options through Shop Pay Installments are subject to an eligibility check and are provided by these lending partners: [affirm.com/lenders](http://affirm.com/lenders). Options depend on your purchase amount, and a down payment may be required. State notices to consumers [affirm.com/licenses](http://www.affirm.com/licenses).