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Shop Pay Installments customer experience

Use this page to learn about your customers' online checkout experience with Shop Pay Installments, how to refund an order that was made using Shop Pay Installments, and the Shop Pay Installments Purchasing Power early access feature.

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Eligibility requirements for customers

To pay for an order using Shop Pay Installments, customers must meet certain eligibility requirements. For example, the customer must have a billing address in the United States, Canada, or the United Kingdom, and be signed up for Shop Pay. The total order amount that the customer is paying for must be between the following amounts depending on their location:

  • $35 to $30,000 USD in the United States
  • $35 to $30,000 CAD in Canada
  • £50 to £30,000 GBP in the United Kingdom

To learn more details about customer eligibility for Shop Pay Installments, refer to Shop Pay Installments eligibility and requirements on the Shop Help Center.

Available installments payment options

Your customers can choose between the following installment payment options at checkout, depending on their location and their order amount.

Installments payment options in the United States

Customers in the United States can choose from the following payment options at checkout, depending on their order amount:

  • Two biweekly, interest-free payments, for orders from $35 to $50 USD.
  • Four biweekly, interest-free payments, for orders from $50 to $999.99 USD.
  • Monthly payments for orders from $150 to $30,000 USD. Monthly installment orders are interest-bearing from 0 to 36% APR where available and subject to federal, state, and provincial regulatory limitations. Orders paid for in monthly installments can be paid in 3, 6, 12, 18, or 24 months depending on the purchase amount.
    • If an order exceeds $20,000 USD, then the customer pays a down payment for the remaining balance upfront. For example, if the order total is $25,000 USD, then the customer pays $5,000 USD upfront, and the remaining $20,000 USD is split into equal, interest-bearing, monthly payments.

Installments payment options in Canada

Customers in Canada can choose from the following payment options at checkout, depending on their order amount:

  • Two biweekly, interest-free payments, for orders from $35 to $50 CAD.
  • Four biweekly, interest-free payments, for orders from $50 to $999.99 CAD.
  • Monthly payments for orders from $150 to $30,000 CAD. Monthly installment orders are interest-bearing from 0 to 31.99% APR where available and subject to provincial regulatory limitations. Orders paid for in monthly installments can be paid in 3, 6, 12, 18, or 24 months depending on the purchase amount. A down payment may be required.
    • If an order exceeds $20,000 CAD, then the customer pays a down payment for the remaining balance upfront. For example, if the order total is $25,000 CAD, then the customer pays $5,000 CAD upfront, and the remaining $20,000 CAD is split into equal, interest-bearing, monthly payments.

Installments payment options in the United Kingdom

Customers in the United Kingdom can choose from the following payment options at checkout, depending on their order amount:

  • Three interest-free payments for orders from £50 to £999.99 with the initial payment due at checkout.
  • Monthly interest-bearing payments for order from £150 to £30,000. APR ranges up to 35.99% APR with a 22% Representative APR. Orders paid for in monthly installments can be paid in 3, 6, 12, 18 and 24 months depending on the purchase amount. A down payment may be required.
    • If an order exceeds £17,500, the customer pays a down payment for the remaining balance upfront. For example, if the order total is £20,000, then the customer pays £2,500 upfront, and the remaining £17,500 is split into equal, interest-bearing, monthly payments.

Online checkout experience for customers using Shop Pay Installments

When a customer views your products, the following information about Shop Pay Installments displays:

  • Calculated installment payment amounts.
  • Detailed information for customers who want to learn more about Shop Pay Installments.
  • The latest compliance and regulatory information.

To pay for an order using Shop Pay Installments, a customer goes through the following steps:

  1. The customer adds items to their cart.
  2. The customer checks out using Shop Pay.
  3. The customer selects to pay in installments.
  4. The customer reviews all of the installment payment options that are available to them, and then chooses an option.
  5. The customer reviews their purchase, and then makes their first payment at checkout.

The remaining payments are automatically charged to the customer's card based on the payment schedule they choose. Customers get an email reminder before each payment is charged.

After the order is completed, you receive full payment for the order upfront, excluding the fee incurred for using Shop Pay Installments.

Refunding an order made using Shop Pay Installments

When you refund an order that was made using Shop Pay Installments, you send the payment back to the customer. If a customer requests a refund for an order they've made monthly payments for, then their paid interest isn't refunded to them. Interest is the cost of borrowing, and isn't refundable.

If you issue a refund in the form of store credit or a gift card, then it's important to note that this has no impact on the customer's payment schedule or balance with Affirm. The customer is still required to make all remaining payments to Affirm according to their original payment schedule. For this reason, it's recommended to process refunds back to the customer's original payment method rather than as store credit or gift cards.

The Shop Pay Installments transaction fee isn't returned to you when you issue a refund. Learn more about creating returns and refunds.