Shop Pay FAQsUpdated 2 months ago

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

When checking out with Shop Pay, you can choose to pay now or pay later.

The installment option lets you:

• Split your total into four biweekly payments at 0% APR, or
• Pay monthly with rates from 0–36% APR (no hidden or late fees).

Payment options depend on your purchase amount and eligibility, and a down payment may be required.

Installments are offered through Affirm — learn more about their lending partners and state notices.

Which payment methods are accepted?

• For non-interest plans: debit or credit cards are accepted.
• For interest-bearing plans: payments can only be made with a debit card.

Is there a spending limit?

Yes — you can use Shop Pay Installments for purchases up to $20,000 USD, including discounts, shipping, and taxes.

Are there late fees or penalties?

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

However, late or partial payments may affect your credit score or eligibility for future installment plans.

If you miss a payment or have issues, you can reach Affirm support directly here.

Still have questions?

For more details, visit shoppay.affirm.com.