What is Shop Pay Installments?
With Shop Pay Installments, you can buy now and pay later. Split your entire online purchase into four biweekly, interest-free payments with no impact to your credit.
How can I use Shop Pay Installments?
It's easy. Just select Shop Pay Installments as your payment method during checkout.
If you are new to Shop Pay Installments, you'll need to create a Shop Pay account. Returning Shop Pay customers just need to log in to their account.
Shop Pay Installments will do a soft credit check for approval of the transaction. Once the payment is approved, the remaining payments will automatically be billed to the payment method on file.
Who can use Shop Pay Installments?
You can use Shop Pay Installments if you:
- Are a U.S resident or Canadian resident
- 18 years of age or older
- Have a U.S. or Canadian phone number that can receive texts
- Have a working email address
- Have a non-prepaid payment method available
Why was my Shop Pay Installments order not approved?
There might be some situations in which Shop Pay Installments will not be able to approve your order. Some examples include:
- You don't have sufficient funds – at least 25% of the total order cost – available.
– You have multiple orders with outstanding payments.
– Your order value is too high.
Does using Shop Pay Installments impact my credit score?
No, using Shop Pay Installments will not have an impact on your credit when choosing four biweekly installments.
How do refunds work with Shop Pay Installments?
After a refund is processed, the refunded amount will return to your original payment method within 3-10 business days, and your balance will be updated.
Payments
While you’re waiting for your refund, please continue to make any payments that are due.
If 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.
If 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.
My order was canceled, why do I still see a charge?
If your order is canceled. It can take up to 30 days for the authorization to fall off your Shop Pay Installments account.
Please reach out to Installments Help Center for questions about your account.
