What is Shop Pay?

Shop Pay gives you the option to pay in full at checkout, or to pay for your order over time. When available, Shop Pay Installments is a great option to help you maximize your budget for orders between $50 and $17,500.

Ways you can pay

Depending on your purchase amount, there are two ways that you can pay for your order in installments.

Bi-Weekly Interest-Free Installments

For orders between $50 USD to $999.99, you can split your purchase into four bi-weekly, interest-free installment payments. There are no additional charges, interest rates, or late fees for this option, and your credit score isn't affected.

Monthly Installments

For orders between $150 to $17,500, you can split your purchase into monthly installment payments. While there are no late fees for monthly installment payments, your order is subject to interest fees. Your credit score isn't affected when you apply, but it can change if you don't make your payments on time.

After you make your first payment at checkout, you'll be charged either biweekly or monthly, depending on the installment payment option you chose. You'll be reminded by email and SMS text (if applicable) before each payment is charged to your card. You can also turn on push notifications in the Shop app to be reminded. However, you can't customize your payment schedule.

Shop Pay Installments eligibility

To pay for an order using Shop Pay Installments, the following eligibility criteria apply:

Have a United States billing address, and be signed up for Shop Pay.
Your order needs to be between $50 and $17,500, including shipping and taxes.
For orders split into four bi-weekly payments, you need to pay with a supported credit card or debit card.
For orders paid for in monthly installment payments, you can only pay with a supported debit card.

Limitations

The following limitations apply to Shop Pay Installments. If any of the below limitations apply to your order, then you can't use Shop Pay Installments to pay for that order:

You can't pay for an order if the order includes currency in any form, including virtual and digital currency, such as gift cards.
You can't pay for a Shop Pay Installments order using Capital One card, prepaid debit cards, or prepaid credit cards.

Manage your automatic payment settings

After your first payment, Shop Pay automatically charges your method of payment for installment payments going forward, either bi-weekly, or monthly.

Change your automatic payment (autopay) method for an existing Shop Pay Installments order

You can change your automatic payment method on a Shop Pay Installments order while it's in repayment. However, you can't use Capital One cards or prepaid debit cards as a payment method. If you've opted into monthly payments, then you can only pay with a debit card.

Going forward, the new payment method will be used for payments on this order. If you want to update your payment method or multiple Shop Pay Installments orders, then you need to change your automatic payment method for each order.

Change your automatic payment method in the Shop app

From the Home tab in the Shop app, tap the order that you want to change the payment method for.
Tap View Installments, and then tap Manage.
Select the new payment method that you want to use. If you need to add a new payment method, then tap Add card, and complete the required fields.

Change your automatic payment method on a web browser

Sign into your Shop Pay account.
In the overflow menu in the top right corner, click Orders.
Select the order that you want to update your payment method for.
In the Automatic payments section, click Edit.
Select a payment method from the drop-down menu, or use a different card.
Click Update.
Click Continue.

Make a manual installments payment for your order

If you want to make an early payment, late payment, or pay off your remaining balance on an order, then you can do it manually.

There are no penalties for making an early installment payment. For interest-bearing loans, you can save on interest fees when you pay off the remaining balance early. However, while there are no late fees, late payments might affect your eligibility to pay for orders with Shop Pay Installments in the future.

Make a manual payment in the Shop app

1. In the Orders tab of the Shop app, tap the order you want to pay.
2. Tap View Installments, and then tap Make payment.
3. Select an option in the Make payment section.
Note: If you type a custom amount, then it needs to be more than one dollar and less than or equal to the total remaining amount.
4. In the Card section, select the card you want to pay with.
5. Tap Pay now, and then tap Continue.

Make a manual payment on a web browser

1. Sign in to your Shop Pay account.

2. In the overflow menu in the top right corner, click Orders.

3. Click the order that you want to pay.

4. Click Make payment.

5. Select an option in the Amount to pay section.

Note: If you type a custom amount, then it needs to be more than one dollar and less than or equal to the total remaining amount.

6. In the Card section, use the drop-down arrow to select your preferred payment method.

7. Click Pay now.

8Click Continue.