To use Shop Pay, you will need to:

• Activate your cards before use, if applicable.
• Be able to make online purchases.
• Have billing information that matches your bank account on file. For example, the zip code needs to match the billing address.
• Have a Visa, Mastercard, American Express, or other card that is supported.
• Use a supported debit or credit card. For example, some prepaid cards aren't supported.

If you are using Shop Pay Installments, then Capital One cards aren't accepted.

Verify that you are entering the email address and password that are associated with your Shop account correctly when you are trying to complete a purchase.

If your payment method is set up correctly, check that you have updated your browser's settings to allow third-party cookies. If the option is turned on and you still cannot complete your purchase, Contact Us by emailing [email protected].

It does not cost anything to use Shop Pay. Using Shop Pay adds no fees to your transaction with the merchant.

For installment orders that are split into four biweekly payments, there are no additional charges, interest rates, or late fees. For installment orders that are paid for in monthly payments, interest rates from 10 to 36% APR apply.

Shop Pay is an accelerated checkout option. It allows you to save your email address, credit card, and shipping and billing information, making the checkout process faster and more convenient.

What is Shop Pay Installments?

Shop Pay Installments is a flexible payment option that allows you to split your purchase into multiple interest-free or low-interest payments at checkout. This feature, powered by Affirm, makes it easier to budget your purchases without having to pay the full amount upfront.

How does Shop Pay Installments work?

1. Add items to your cart – Shop as usual and add your desired products to your cart.
2. Proceed to checkout – Select Shop Pay as your payment method.
3. Choose Installments – If eligible, you’ll have the option to split your total into 4 biweekly, interest-free payments or monthly payments with interest for larger orders.
4. Complete your purchase – Confirm your installment plan and finish checkout. You’ll receive payment reminders from Affirm.

Who is eligible for Shop Pay Installments? Eligibility for Shop Pay Installments depends on several factors, including your location and credit approval by Affirm. You must be at least 18 years old (or the legal age in your state) and have a valid U.S. billing address.

Are there any fees or interest charges?

• 4 biweekly payments – Always interest-free with no hidden fees.
• Monthly payments – Interest rates may apply, depending on your credit approval and the total purchase amount.

Does using Shop Pay Installments affect my credit score? Selecting a biweekly payment plan does not impact your credit score. If you choose a monthly installment plan, Affirm may perform a soft credit check, which does not affect your credit score.

Can I pay off my balance early? Yes! You can pay off your remaining balance at any time without any penalties or extra fees.

How do I manage my payments? You can manage and track your payments through the Affirm app or website. You'll also receive email reminders about upcoming payments.

What happens if I miss a payment? Affirm may charge late fees if you miss a payment, depending on your loan terms. If you anticipate difficulty making a payment, it's best to contact Affirm’s customer support directly for assistance.

Can I return an order purchased with Shop Pay Installments? Yes! If you need to return an order, your refund will be processed based on our store’s return policy. Affirm will adjust your remaining balance accordingly or issue a refund if you've already made payments.