Shop Pay FAQs 

About Shop Pay Installments 


Installments | Fees or penalties | Credit scores and eligibility | Restricted items | Terms of service 





Shop Pay offers you the option to pay in full at checkout, or to split your purchase into 4 equal installment payments. You can't adjust the number of installment payments or the price range available for Shop Pay Installments. 


You have the option to pay for orders between $50 and $1,000 USD, including discounts, shipping and taxes, in 4 installments. To use Shop Pay Installments, your shipping address needs to be in the United States.  



Fees or penalties 


There are no additional charges, interest rates, or late fees. You can pay your balance off early without penalty. However, if you make a partial payment or late payment, then future applications to use Shop Pay Installments might be affected. 



Credit scores and eligibility 


Your credit scores aren't affected if you use Shop Pay Installments. However, if you don’t pay an installment, or you make a late payment, then your eligibility for making purchases using Shop Pay Installments in the future might be affected. 



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 and drug paraphernalia 

Currency, including cryptocurrency 

PayPal, Venmo, and other money transfer services 

Loan and credit card payments 

Gift cards  



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. 

Payment issues 




If you overpaid your total installment balance, we’ll automatically refund the payment method you use to make payments. 


If you overpaid a single monthly payment, the extra amount will be applied to your total installment balance. Or, you can fill out the form below to request a refund of the overpaid amount. 



Accidental payments 



Fill out the form below to get a refund for a payment you didn’t mean to make. We’ll start the refund right after your payment processes, and you’ll see your refund 3–10 business days after that. 


Please note that we can refund only the full amount of the accidental payment, not a portion of it. If you’re close to your payment due date, a refund may put you at risk for a late payment. 


How do I get a refund? 


Please contact the store where you bought your item to request a refund. They can let you know whether a return is possible and how much the refund would be, according to their own return policy 


After they process the refund, the refunded amount will return to your original payment method within 3--10 business days, and your balance will be updated. 


Bi-weekly payments 


While you’re waiting for your refund, please continue to make any payments that are due. 


Refund is less than balance 


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. 


Refund is more than balance 


If your refund is more than your purchase balance, the difference will be returned to your original payment method within 3–10 business days. 


Dispute a purchase 


We’re sorry that you’re having trouble with a purchase you made with Shop Pay installments. The best place to start is with the store where you made your purchase- contact them to get information about your order, cancel your order, start a return, or discuss your other available options. If they’re unable or unwilling to help and your purchase was made within the past 60 days, contact us and we’ll try to open a dispute on your behalf. If we open a dispute, both you and the merchant will have 15 calendar days to provide evidence that supports your claim.