When checking out with Shop Pay, you have the option to pay now or later. Paying in installments on Shop Pay allows you to split your purchase amount into four equal, biweekly installment payments with 0% APR (United States and Canada), or monthly installments with no hidden or late fees (United States, Canada, and United Kingdom).

Shop Pay Installments is available only to customers who reside in the United States, Canada, or the United Kingdom that have a United States, Canadian, or United Kingdom mobile phone number, and use a payment card with a United States, Canadian, or United Kingdom billing address.

Learn more about eligibility criteria for customers on the Shop Help Center.

Yes. In the United States and Canada $30,000 USD or CAD is the order value limit that applies to purchases using Shop Pay Installments, including discounts, shipping, and taxes. In the United Kingdom, the order value limit is £30,000 GBP including discounts, shipping, and taxes.

You can't purchase gift cards using Shop Pay Installments. If you want to purchase gift cards along with Shop Pay Installments eligible products, then you need to place two separate orders.

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

There are no late fees for customers who miss a scheduled payment. However, partial payments or late payments might impact your credit score, or your eligibility to use Shop Pay Installments in the future.

If you have questions about a missed installment payment, then visit Affirm’s Shop Pay Installments Help Center for customers in Canada, the United States, or the United Kingdom.

To request a refund, contact the store where you purchased your item. Using their return policy, the store will advise if a return is possible. If a return is possible, then the store will advise how much the refunded amount will be. After your refund is processed, the refund amount will be applied to your original payment method within 3-10 business days and your balance will be updated.

If your refund is less than your total purchase balance, then it might not lower your next payment. Instead, you can expect fewer payments, a smaller final payment, or both.

If your refund is more than your purchase balance, then the difference is returned to your original payment method within 3-10 business days.

If your order is made with interest payments, then the paid interest isn't refunded. When you make payments, the funds are first applied to the accrued unpaid interest and then to the principal. Interest is the cost of borrowing, and isn't refundable.