Shop Pay Installments FAQ

Frequently Asked Questions:

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

Shop Pay Installments is available for purchases made using a credit and debit card. Capital One cards aren't accepted. If you choose a monthly payment option, you can only pay with a debit card.

Is Shop Pay Installments available for purchases made with coupon codes and/or gift cards?

Yes, Shop Pay Installments is available for purchases made with discount codes and/or gift cards.

Are the remaining payments automatically charged to my card? Do I get a reminder?

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. 

Are there late fees?

No, there are no late fees if you miss a scheduled payment. If you choose the monthly installment payment option, however, 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.

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

After your refund is processed, the refund amount will appear on your payment schedule 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 monthly payments, then the paid interest isn't refunded. Interest is the cost of borrowing, and isn't refundable.

Does Shop Pay affect my credit score?

If you choose to pay for your order in four biweekly installments, then your credit score isn't impacted.

If you choose to pay for your order in monthly payments, and do not make your payments on time, then your credit score might be affected. Only monthly payment options might impact your credit score.

If I have issues completing a purchase with Shop Pay, who should I contact?

Please contact Shop Pay customer support here for any issues relating to Shop Pay payments.


For more information regarding Shop Pay Installments, please click here