Shop Pay

Choose Shop Pay now, and pay later with zero interest, fees, or impact on your credit score

There’s a new way to pay when you shop with us online.
Split your purchase into 4 interest-free payments.

Want to buy now, pay later?

1) Check out with Shop Pay
Fill your cart then choose the Shop Pay button.

2) Select pay in 4 installments
Enter a few pieces of info for a real-time decision.

3) Make 4 interest-free payments
Pay every 2 weeks with debit or credit. Download the Shop app to manage all your Shop Pay interest-free payments and online orders in one place.


Are there any additional costs to customers?

No. There are no additional charges, interest rates, or late fees. There's also no impact on your customers' credit score.

Can I purchase gift cards using Shop Pay Installments?

No. No you can't buying gift cards using Shop Pay Installments.


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 $3,000 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
  • Regulated products such as alcohol, tobacco, or drug paraphernalia
  • Currency, including cryptocurrency
  • PayPal, Venmo, and other money transfer services
  • Loan and credit card payments

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.

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