Shop Pay Installments approved messaging guidelines and disclosures
You need to use approved messaging when promoting Shop Pay Installments. This can include headlines in emails, or a banner in your online store.
When using approved messaging in your promotional communications, you need to include the legal disclosure for Canada, the United States, or the United Kingdom, depending on your location, as described by the marketing toolkits. Refer to the Shop Pay Installments Merchant Marketing Toolkit for stores in Canada, the United States, or the United Kingdom for more information.
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Introduce Shop Pay Installments with approved messaging
Approved messaging includes headlines that stand out, such as through larger text, placement at the top of the page, concise language, active verbs, or a different font or font color.
The approved messaging lets customers know about Shop Pay Installments by giving them a reason to want to learn more about the benefits of paying in installments.
Social media messaging
Use only the following approved messaging to promote Shop Pay Installments on your social media, depending on your store's location.
Approved social media messaging in Canada
Use only the following approved messaging to promote Shop Pay Installments on social media in Canada. Social media advertising that might reach Québec residents should be in French, or in French and English. French copy must be of equal prominence to English copy.
English:
- We're proud to offer more ways to pay. Now you can pay over time with Shop Pay and choose the plan that's best for you.
- We're proud to offer more ways to pay. Buy now, split up the cost with Shop Pay.
- We're proud to offer Shop Pay Installments! Buy today and make flexible payments starting at 0% APR.
French:
- Nous sommes fiers d'offrir plus de moyens de paiement. Vous pouvez désormais payer en plusieurs fois avec Shop Pay et choisir le plan qui vous convient le mieux.
- Nous sommes fiers d'offrir plus de moyens de paiement. Achetez maintenant et échelonnez le paiement avec Shop Pay.
- Nous sommes fiers de proposer les paiements échelonnés Shop Pay ! Achetez aujourd'hui et effectuez des paiements flexibles à partir de 0 % TAEG.
Approved social media messaging in the United States
Use only the following approved messaging to promote Shop Pay Installments on social media in the United States:
- We're proud to offer more ways to pay. Now you can pay over time with Shop Pay and choose the plan that's best for you.
- We're proud to offer more ways to pay. Get what you want in 4 interest-free payments or choose a monthly payment plan when you check out with Shop Pay.
- We're proud to offer Shop Pay Installments! Buy today and pay in 4 or more payments starting at 0% APR.
- Shop Pay Installments is available in store! Shop your favorites in person with flexible payment options. Stop by and ask us how to get started.
Approved social media messaging in the United Kingdom
Use only the following approved messaging to promote Shop Pay Installments on social media in the United Kingdom:
- We're proud to offer more ways to pay. Now you can pay over time with Shop Pay and choose the plan that's best for you. No late fees. Ever.
- We're proud to offer more ways to pay. Buy today and pay over time when you check out with Shop Pay. No late fees. Ever.
- We're proud to offer Shop Pay Installments! Buy today and pay in 3 monthly payments with 0% APR. No late fees. Ever.
When you use the approved social media messaging, you must also include the following Financial Promotion Disclosure for social media as per the Shop Pay Installments marketing toolkit for the United Kingdom:
Shop Pay Installments offers credit in partnership with Affirm as lender. Affirm provides unregulated credit, subject to a credit check and minimum spend, which may vary. Terms apply. UK residents only, 18 and over with a debit card. A deposit is required at checkout. Missed payments could affect your financial status.Announcement messaging
Announcement messaging for Shop Pay Installments lets customers know that you're offering a new payment option. This messaging emphasizes that customers can pay for their purchase over time.
You can introduce the option to pay in installments with the following email and homepage banner headlines, depending on your store’s location.
Approved announcement messaging in Canada
English:
- Introducing a new way to pay over time.
- Get it today, pay over time.
- Big ticket items, small flexible payments.
- Buy what you want, with flexible payment options.
French:
- Découvrez une nouvelle façon de payer en plusieurs fois.
- Obtenez-le aujourd'hui, payez en plusieurs fois.
- Effectuez des paiements flexibles avec Shop Pay.
- Échelonnez le paiement avec Shop Pay.
Approved announcement messaging in the United States
- Introducing buy now, pay later with Shop Pay.
- Introducing a new way to pay over time.
- Get it today, pay over time.
- Big ticket items, small flexible payments.
- Buy now, pay later - choose the way you pay.
- Buy what you want, with flexible payment options.
Approved announcement messaging in the United Kingdom
- Introducing pay over time with Shop Pay Installments.
- Introducing a new way to pay over time.
- Introducing a flexible way to pay over time.
When announcing the option to pay in installments in the United Kingdom, you also need to include the Financial Promotion Disclosure and General Footer Disclosure.
If you use the approved messaging for homepage banners, or any space-contrained banners, then you must include the Short Form Financial Promotion Disclosure.
Personalized messaging
Personalized messaging lets you promote what a customer can do today by shopping with you, while also promoting the ability to pay for the product later.
You can personalize the messaging to fit your business. Review the following examples of personalized messaging:
- Design now, pay over time.
- Wear now, pay in small flexible payments.
Promotional messaging
You can create promotional banners and emails by using one of the following headlines, depending on your store's location.
Approved promotional messaging in Canada
Emails that can reach Québec residents should be in French or French and English. French copy must be of equal prominence to English copy. If the consumer’s language preference is known, then the email can be sent in the preferred language.
English:
- Pay over time using Shop Pay.
- Book now, pay over time.
- Decorate now, split up the cost.
- Shop today, pay in flexible payments.
French:
- Payez en plusieurs fois avec Shop Pay.
- Réservez maintenant, payez plus tard.
- Décorez maintenant, échelonnez le paiement.
- Achetez aujourd'hui, payez en plusieurs versements flexibles.
Approved promotional messaging in the United States
- Buy now, pay later with Shop Pay.
- Get it now, pay over time.
- Yours now, pay later.
- Decorate now, pay later.
- Gift today, pay later.
- Shop now, pay in flexible payments.
Approved promotional messaging in the United Kingdom
- Pay over time with Shop Pay.
- No late fees. Ever.
- Get it now, pay later. No late fees.
- Pick a payment plan that works for you.
- Buy today, pay over time with Shop Pay Installments.
- Buy now, pay over time. No late fees.
- Book now, pay over time, No late fees.
- Big ticket items, flexible payments, no late fees.
- Pay over time with 0% APR. No late fees.
- Pay over time with 0% APR with Shop Pay. No late fees.
- Get it now and pay later with 0% APR.
- Pay in installments over 3, 6, or 12 months.
- Pay over 3, 6, or 12 months. No late fees.
- Pay over time 3, 6, or 12 months. No late fees.
- Pay over 3, 6 & 12 installments. No late fees.
If you're sending an email in the United Kingdom that includes the approved promotional messaging, then you must include a Financial Promotion Disclosure and General Footer Disclosure in the email.
You can also use the approved promotional messaging for homepage banners. For any space-contrained banners, you must also include the Short Form Financial Promotion Disclosure with a hyperlink to a dialog or page with the full Financial Promotion Disclosure. If you can't meet those requirements, then you must create a banner with sufficient space for the full Financial Promotion Disclosure.
Approved subheadline messaging for highlighting the benefits of paying in installments
You can add a subheadline to expand on the announcement, personalized, or promotional messaging. The subheadline is often presented in a smaller font and adds more context to the messaging above it.
Highlight the benefits of paying in installments by using one of the following subheadlines:
- Pay in full or choose a flexible payment plan with Shop Pay. Learn more.
- Flexible payment options available.
- Split your purchase into flexible payments.
Required messaging for long fulfillment times
If a product purchased using Shop Pay Installments might take over 30 days to fulfill, such as preorders or handcrafted items, then you need to include the following messaging on relevant product pages:
If you finance your purchase with Affirm, your first payment is due approximately two weeks after your purchase is finalized. Please note that due to extended delivery times, your loan payment(s) may be due before you receive your purchase.Approved product promotion messaging
Include promotional messaging for specific products that you want to promote in an email or social post. Product promotion can showcase multiple products. For example:
Review the following examples of approved product promotion messaging in the United States and Canada:
- $XX.XX or flexible installment options starting at payments of $XX.XX
- $100 or flexible payments starting at payments of $25
Review the following examples of approved product promotion messaging in the United Kingdom:
- £XX.XX or 3 interest-free installments of £XX.XX
- £XX or flexible payments of £XX.XX at 0% APR
Disclosures
You need to include the following required disclosures when promoting Shop Pay Installments, depending on the countries that you sell in.
United States Shop Pay Installments disclosure
Include the following disclosure anywhere that you advertise Shop Pay Installments payment plans:
Rates from 0-36% APR. Payment options through Shop Pay Installments are subject to an eligibility check and are provided by these lending partners: affirm.com/lenders. Options depend on your purchase amount, and a down payment may be required. State notices to consumers: affirm.com/licenses.Canada Shop Pay Installments disclosure
Include the following disclosure anywhere that you advertise Shop Pay Installments payment plans:
Rates from 0-31.99% APR (subject to provincial regulatory limitations). Payment options through Affirm Canada Holdings Ltd. ("Affirm") are subject to an eligibility check and depend on purchase amount, payment terms, vary by merchant, and may not be available in all provinces/territories. Minimum purchase and down payment may be required. For example, an $800 purchase could be 12 monthly payments of $72.21 at 15% APR for total repayment of $866.48 (credit charges of $66.48), or 4 interest-free payments of $200 every 2 weeks. Visit helpcenter.affirm.ca for more information.United Kingdom Shop Pay Installments disclosures
Include the following disclosures anywhere that you advertise Shop Pay Installments payment plans. For more information on disclosures and disclosure placement, refer to the Shop Pay Installments marketing toolkit for the United Kingdom.
General Footer Disclosure
Include the following disclosure anywhere that you advertise Shop Pay Installments, including emails, your website (s), out-of-home (OOH), digital displays, and website banner assets without space constraints:
Credit is offered by Shopify International Ltd. (FRN: 1031087)in partnership with Affirm UK Limited. Shopify International Limited is an Appointed Representative of Affirm U.K. Limited, trading as Affirm, which is authorized and regulated by the Financial Conduct Authority (FRN: 756087). Affirm's company number is 10199101 and its registered office is at C/O TMF Group, 1 Angel Court, 13th Floor, London, EC2R 7HJ.Financial Promotion Disclosure
Include the following disclosure with any marketing asset advertising Shop Pay Installments that contains a financial promotion. This disclosure should be adjacent to the Financial Promotion:
Shop Pay Installments offers credit in partnership with Affirm as lender. Affirm provides unregulated credit, subject to a credit check and minimum spend, which may vary. Terms apply. UK residents only, 18 and over with a debit card. A deposit is required at checkout. Missed payments could affect your financial status.Short Form Financial Promotion Disclosure
Include the following disclosure on an asset with space constraints where you advertise Shop Pay Installments payment plans that contain a financial promotion, such as website banners. This disclosure must be included directly beneath the asset text, and include a "Learn more" live hyperlink.
The "Learn more" hyperlink must link the consumer to a page where they can view the full Financial Promotion Disclosure. If this isn't possible, then you should create an asset with sufficient space for the full disclosure:
Shop Pay Installments offers credit with Affirm as lender. Learn more.