Promoting Shop Pay Installments on your online store

Use this page to learn how to inform your customers about Shop Pay Installments on your online store.

Learn more about how to correctly use Shop Pay brand assets before you download and use the Shop Pay Installments logo in your online store.

Online store disclosure

Before you add information in your online store about Shop Pay Installments, make sure that the online store page includes the approved messaging and required disclosures.

Incorporate Shop Pay Installments into your online store

You can promote Shop Pay Installments in your store by including a banner on your homepage, or by creating a dedicated page in your online store.

By adding a banner to your online store that features Shop Pay Installments, you help increase awareness, optimize conversions, and shorten the path to purchase for customers visiting your online store.

If you add a dedicated Shop Pay Installments page to your online store, then you should explain how Shop Pay Installments works and include an FAQ.

Describe how Shop Pay Installments works

Add information to your online store about how Shop Pay Installments works. Where applicable, use the correct Shop Pay logo.

How it works

1. Add items to your cart (or shopping bag).
2. Check out with Shop Pay.
3. Choose the option to pay in installments.

Your first payment is due at checkout. The remaining payments are automatically charged to your card saved on Shop Pay based on the payment plan you chose. Don't worry, you'll get an email reminder before each payment to remind you.

Pay over time with Shop Pay

You can add the pay over time with Shop Pay messaging in your online store banner, and the following subheadline:

When you choose Shop Pay at checkout, you can split your purchase into flexible installment payments.

Quick decision, flexible payments, no late fees

You can create icons for quick or real-time decision, flexible payments and no late fees, and use the approved text.

Review the following examples of icons that you can create, depending on your store's location.

Add an FAQ for your customers

If you add an FAQ section related to Shop Pay Installments, then you can include the following questions and answers.

What is the option to pay in installments on Shop Pay?

When checking out with Shop Pay, you have the option to pay now or later. Paying in installments on Shop Pay allows you to split your purchase amount into four equal, biweekly installment payments with 0% APR (United States and Canada), or monthly installments with no hidden or late fees (United States, Canada, and United Kingdom).

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

Debit cards are accepted as a payment method for Shop Pay Installments orders in all countries. In some countries, credit cards might also be an available payment method for certain Shop Pay Installments orders.

Can I use Shop Pay Installments if I'm an international customer?

Shop Pay Installments is available only to customers who reside in the United States, Canada, or the United Kingdom that have a United States, Canadian, or United Kingdom mobile phone number, and use a payment card with a United States, Canadian, or United Kingdom billing address.

Learn more about eligibility criteria for customers on the Shop Help Center.

Is there a limit to how much I can spend on a single Shop Pay Installments order?

Yes. In the United States and Canada, $30,000 USD or CAD is the order value limit that applies to purchases using Shop Pay Installments, including discounts, shipping, and taxes. In the United Kingdom, the order value limit is £30,000 GBP including discounts, shipping, and taxes.

Can I pay in-store with Shop Pay Installments?

Yes, we offer Shop Pay Installments at our retail locations. Come visit us in store to learn more.

Can I pre-qualify for a purchase amount before visiting the store?

No. An application for Shop Pay Installments can only begin with a live checkout. Applying in store only takes a few steps and you’ll get a real-time decision in minutes.

Can I buy gift cards with Shop Pay Installments?

You can't purchase gift cards using Shop Pay Installments. If you want to purchase gift cards along with Shop Pay Installments eligible products, then you need to place two separate orders.

Are there late fees?

No, there are no late fees if you miss a scheduled payment.

What if I miss an installment payment?

There are no late fees for customers who miss a scheduled payment. However, partial payments or late payments might impact your credit score, or your eligibility to use Shop Pay Installments in the future.

If you have questions about a missed installment payment, then visit Affirm’s Shop Pay Installments Help Center for customers in Canada, the United States, or the United Kingdom.

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

To request a refund, contact the store where you purchased your item. Using their return policy, the store will advise if a return is possible. If a return is possible, then the store will advise how much the refunded amount will be. After your refund is processed, the refund amount will be applied to your original payment method 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 interest payments, then the paid interest isn't refunded. When you make payments, the funds are first applied to the accrued unpaid interest and then to the principal. Interest is the cost of borrowing, and isn't refundable.

Have more questions?

For more information about Shop Pay Installments, visit Affirm’s Shop Pay Installments Help Center for customers in Canada, the United States, or the United Kingdom.