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How Shop Pay Installments Works?

Buy now, pay later with Shop Pay Guidelines for using the Shop Pay logo · Shopify Help Center

When you choose Shop Pay at checkout, you can split your purchase into flexible installment payments.*

Quick approval, flexible payments, no late fees

FAQ for Shop Pay Installments

Are there late fees?

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

What is the option to pay in installments on Shop Pay?

When checking out with Shop Pay, you now have the option to pay now or later. Paying in installments on Shop Pay allows you to split your purchase amount into flexible installment payments.* Your first payment is due when you make your purchase.

What if I make a return on a purchase made through Installments with Shop Pay?

If your refund amount is less than the amount remaining on your Shop Pay Installments balance, then you can expect one or both of the following:

  • A smaller payment balance on the final payment.
  • Less future payments on the remaining loan balance.

If your refund amount is more than the amount remaining on your Shop Pay Installments balance, then you can expect to receive the difference as a refund to your original payment method within 3 to 10 business days.

Which payment methods are accepted if I use the option to pay Installments on Shop Pay?

The installments option on Shop Pay is available on debit cards.

How it works

  1. Add items to your cart (or shopping bag).
  2. Check out with Shop Pay.
  3. Choose the option to pay in installments.

Your first payment is due at checkout. The remaining payments are automatically charged to your card saved on Shop Pay based on the payment plan you chose. Don't worry, you'll get an email reminder before each payment to remind you.

More information on

Guidelines for using the Shop Pay logo · Shopify Help CenterShop Pay Instalments at Shop Pay Installments Help Center.