Shop Pay: Discover the Benefits and How It Works

BUY NOW, PAY LATER WITH SHOP PAY

Shop Pay: Discover the Benefits and How It Works

NOW, WHEN YOU CHOOSE SHOP PAY AT CHECKOUT, YOU CAN SPLIT YOUR PURCHASE INTO 4 EQUAL, 0% INTEREST INSTALLMENT PAYMENTS—WITH NO ADDITIONAL, HIDDEN, OR LATE FEES.*

How does Shop Pay work?

Your first payment will either be due at checkout or 2 weeks after your purchase. The next 3 remaining installments will be automatically charged to your card saved on Shop Pay every 2 weeks. And don’t worry, you’ll get an email reminder before each payment to keep you in the know.

Checkout process using Shop Pay

When you use Shop Pay you are taken to the order review page to check out. After authorizing the purchase, you will receive a six-digit code by text or email. After you enter the code on the checkout page, the order will be processed.
When you return to make another purchase using the same device, Shop Pay can remember your information without having to verify yourself again.
You can change your Shop Pay account information and opt out of Shop Pay at any time.

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 4 equal, biweekly installment payments—with 0% interest, no hidden or late fees, and no impact on your credit score.* In some instances, 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 THE OPTION TO PAY IN INSTALLMENTS ON SHOP 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 original payment 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 next payment. 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 to your original payment method within 3-10 business days.

HAVE MORE QUESTIONS?

For questions about installment payments on Shop Pay, visit shop.affirm.com/help.
For questions about Shop Pay or the Shop App, visit shop.app/help/shop-pay.

*Payment options are offered by Affirm and are subject to eligibility check and may 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 60DBO-111681.

BUY NOW, PAY LATER WITH SHOP PAY