Shop PayUpdated 2 years ago
Shop Pay Installments eligibility
To use Shop Pay Installments, you need to have a United States billing and shipping address and be signed up for Shop Pay. When choosing Shop Pay Installments, the following limitations apply:
- You can't pay for an order if the order includes currency in any form, including virtual and digital currency, like gift cards.
- Orders need to be between 50 USD and 17,500 USD, including shipping and taxes.
- If you change your Shop Pay phone number, then you also need to update your phone number with Affirm before you can pay for another purchase using Shop Pay Installments.
- Shop Pay Installments doesn't accept Capital One cards, prepaid debit cards, or prepaid credit cards.
- If you split your order into four bi-weekly payments, then you can pay with a credit card or debit card.
- If you pay for your order in monthly payments, then you can only pay with a debit card
Shop Pay Installments overview
- For orders between 50 USD to 999.99 USD, you can split your purchase into four bi-weekly, interest-free installment payments. There are no additional charges, interest rates, or late fees for this option, and your credit score isn't affected.
- For orders between 150 USD to 17,500 USD, you can split your purchase into monthly installment payments. While there are no late fees for monthly installment payments, your order is subject to interest fees. Your credit score isn't affected when you apply, but it can change if you don't make your payments on time.
After you make your first payment at checkout, you'll be charged either biweekly or monthly, depending on the installment payment option you chose. You'll be reminded by email and SMS text (if applicable) before each payment is charged to your card. You can also turn on push notifications in the Shop app to be reminded. However, you can't customize your payment schedule.
Manage your automatic payment settings
After your first payment, Shop Pay automatically charges your method of payment for installment payments going forward, either bi-weekly, or monthly.
Change your automatic payment (autopay) method for an existing Shop Pay Installments order
You can change your automatic payment method on a Shop Pay Installments order while it's in repayment. However, you can't use Capital One cards or prepaid debit cards as a payment method. If you've opted into monthly payments, then you can only pay with a debit card.
Going forward, the new payment method will be used for payments on this order. If you want to update your payment method or multiple Shop Pay Installments orders, then you need to change your automatic payment method for each order.
Change your automatic payment method in the Shop app
- From the Home tab in the Shop app, tap the order that you want to change the payment method for.
- Tap View Installments, and then tap Manage.
- Select the new payment method that you want to use. If you need to add a new payment method, then tap Add card, and complete the required fields.
Change your automatic payment method on a web browser
- Sign into your Shop Pay account.
- In the overflow menu in the top right corner, click Orders.
- Select the order that you want to update your payment method for.
- In the Automatic payments section, click Edit.
- Select a payment method from the drop-down menu, or use a different card.
- Click Update.
- Click Continue.
Find more info about Shop Pay Installments
For info about Shop Pay Installments payments and financing, such as why you might not have been approved, visit the Shop Pay Installments Help Center.
- For general info about the Shop Pay Installments experience, such as how it works and the purchase flow, email Shop Support.