Shop Pay Installments FAQ

Use this page to find answers to frequently asked questions made by online store owners.

Are there any additional costs to customers?

Depending on the installments option that the customer chooses for their order, interest rates from 0-36% APR might apply (where available and subject to country, state, or provincial regulatory limitations). Aside from interest rates, there are no additional charges or late fees.

Can I offer Shop Pay Installments in my retail store?

Yes. If you're selling at a retail location with Shopify POS in the United States, then you can offer Shop Pay Installments for checkouts in person. Rates and eligible purchase amounts for in-store installments are the same as online. Learn how to set up Shop Pay Installments for POS.

Does using Shop Pay Installments impact my customer's credit score?

Creating a Shop Pay Installments account doesn’t impact a customer's credit score. If a customer chooses to pay for their order using Shop Pay Installments, then the following things might impact their credit score or rating:

Making a purchase.
Their payment history with Affirm.
How much credit has been used, and how long they’ve had credit.

Are Shop Pay Installments transaction fees returned to me when I issue a refund?

No. When you refund an order that was made using Shop Pay Installments, you send the payment back to the customer. The Shop Pay Installments transaction fee isn't returned to you when you issue a refund. Learn more about creating returns and refunds.

What if a customer opens a dispute for an order paid with Shop Pay Installments?

If your customer's payment is successfully captured, then they can open a dispute with Affirm. If a customer files a dispute, then Affirm emails your Shopify store owner. You don't receive a notification in your Shopify admin.

If you receive a dispute email from Affirm, then you have 15 days to reply directly to the email with any evidence that you want to provide. After that time, Affirm will resolve the dispute within another 15 days. Affirm holds the disputed funds during the 30 day period, until they've resolved the dispute.

If the dispute resolution is in your favor, then the funds are released back to the bank account that you use for Shopify Payments.

If Affirm resolves the dispute in favor of your customer, then the disputed funds are returned to the customer. There's no additional cost to you if the customer is refunded.

Can I adjust the price range available for Shop Pay Installments orders?

No. Shop Pay Installments is available only for orders from $35 to $30,000 USD or CAD in the United States or Canada, and orders from £50 to £30,000 GBP in the United Kingdom, including discounts, shipping, and taxes. Some orders might require a down payment at checkout.

Learn more about available installment payment options for Shop Pay Installments customers.

Can I choose which products Shop Pay Installments are available for?

No. Shop Pay Installments can't be customized for each product because Shop Pay Installments is available for all products in your store within the eligible price range, excluding gift cards and subscription products.

Can customers purchase gift cards using Shop Pay Installments?

No. Customers can't buy gift cards using Shop Pay Installments.

Can customers purchase subscription products using Shop Pay Installments?

No. Customers can't buy subscription products using Shop Pay Installments.

How can I help customers that have a question or problem using Shop Pay Installments?

If a customer has questions about their loan, making a payment, or managing their account, then you can give them the link to Affirm’s Shop Pay Installments Help Center for customers in Canada, the United States, or the United Kingdom.
If a customer has questions about Shop Pay or the Shop app, then you can give them the link to Paying in installments with Shop Pay.

How do I get paid?

After you've captured the payment for an order placed using Shop Pay Installments, you'll receive full payment for your order within 1 to 3 business days, excluding the fee incurred for using Shop Pay Installments. You don't have to collect payments from your customers.

Affirm is responsible for collecting installment payments from your customers. You get paid by Affirm and your payouts are sent to the same bank account that you use for Shopify Payments. Custom payout schedules don't affect Shop Pay Installments payouts.

Learn more about receiving payments through Shopify Payouts.

How do I view orders made using Shop Pay Installments?

From your Shopify admin, go to Orders.
In the search bar, type "Shop Pay Installments".
Review the list of orders placed using Shop Pay Installments.

How do I view Shop Pay Installments transactions in my payouts?

From your Shopify admin, go to Settings.
Click Payments.
In the Shopify Payments section, click View payouts.
Click Transactions.
Click More filters.
Select Payment method, and then select Shop Pay Installments.
Click Done.

What happens when a customer returns an item paid for using Shop Pay Installments?

If the customer's refund amount is less than the amount remaining on their Shop Pay Installments balance, then the customer 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 the customer's refund amount is more than the amount remaining on their Shop Pay Installments balance, then the customer can expect to receive the difference as a refund to their original payment method. If the customer requests a refund for an order they've made monthly payments for, then their paid interest isn't refunded. Interest is the cost of borrowing, and isn't refundable.

Learn more about refunding an order.

Can I edit an order paid with Shop Pay Installments?

No, you can't edit orders that were paid for using Shop Pay Installments. If you need to make changes to an order, then you can refund the original order and create a new order for your customer.

What happens if I add an item to an existing order?

If you add an item to an existing order made using Shop Pay Installments, then an invoice is created for the outstanding balance and sent to your customer. The customer needs to pay for the outstanding balance in full using a different payment method because additional invoices aren't supported by Shop Pay Installments.

Which payment methods are accepted?

Shop Pay Installments is available for purchases made using a credit (United States and Canada) and debit card (United States, Canada, United Kingdom). Capital One and Chase credit cards aren't accepted. Your customers that choose a monthly payment option can only pay with a debit card.

Is Shop Pay Installments available outside of the United States, Canada, and the United Kingdom?

No, Shop Pay Installments is exclusively available for stores based in the United States, Canada, and the United Kingdom who meet eligibility requirements. To access Shop Pay Installments, go to the Shopify Payments settings on your store's Payments page.

In addition, customers must meet specific eligibility requirements, including having a billing address in the United States, Canada, or the United Kingdom and being signed up for Shop Pay.

Shop Pay Installments isn't currently available to stores or customers in countries other than the United States, Canada, and the United Kingdom.