Everything You Need to Know About Shop PayUpdated a year ago

Shop Pay offers a flexible and secure way to make your purchases. Now with the option to pay in full or in installments, it's easier than ever to shop with us. Here's how Shop Pay can make your shopping experience more convenient.

What is Shop Pay? Shop Pay is a payment method that gives you the choice to pay for your purchase immediately or to split the total cost into four equal, biweekly installment payments. This option comes with 0% interest, no hidden or late fees, and no impact on your credit score.* In some cases, your first installment may be due at the time of purchase, while in others, it's due two weeks after the purchase.

How Does Shop Pay Work?

• Checkout Process: Add your desired items to the cart and proceed to checkout with Shop Pay.
• Payment Option: Choose to pay in four installments.
• Payment Schedule: Your first installment is either due at checkout or two weeks post-purchase. The remaining three installments will be automatically charged to your card saved on Shop Pay every two weeks. You'll receive email reminders before each payment.

Payment Methods for Installments:

• The installment option on Shop Pay is available for both debit and credit cards.

Late Fees and Missed Payments:

• There are no late fees for missed installment payments.

Handling Returns:

• If a return is processed, the refunded amount is sent back to your original payment method within 3-10 business days, and your balance is updated.
• If the refund is less than your total purchase balance, your next payment might not change. Instead, you might have fewer payments or a smaller final payment.
• If the refund is more than your purchase balance, the excess amount will be returned to your original payment method within 3-10 business days.

Additional Information and Support:

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

*Subject to eligibility check and approval. Estimated payment amount excludes taxes and shipping fees.