Shopping with ShopPay

Pay at your own pace

When inspiration strikes, ShopPay (in partnership with Affirm) helps you say yes without giving up financial control. Select at checkout to pay over time — and never pay a penny more than you agree to on day one.

Payment Plans

Purchases between $50 USD to $20,000 USD are eligible for Shop Pay Installments, with options to:

1

Pay in 4 for purchases $50 to $999

Interest-free payments every 2 weeks
No impact to your credit score

2

Pay monthly for purchases $150 to $20,000

3, 6, or 12-month terms
Rates from 0-36% APR
No impact to your credit score to apply

FILL YOUR CART

Choose Shop Pay at checkout, then enter a few pieces of info for a real-time decision.

CHOOSE HOW YOU PAY

Pick the monthly payment plan you like best. You’ll never pay more than you agree to up front.

PAY OVER TIME

You can pay with your debit card or credit card for all Shop Pay Installments purchases on the Shop app, affirm.com or in the Affirm app.

1

TRANSPARENT

Shop Pay tells you up front the total amount you’ll pay. That number will never  go up.

2

FLEXIBLE

Choose the payment schedule that works for you.

3

FAIR

For purchases split into 4 bi-weekly payments, there are no additional charges or interest rates applied. Purchases split into monthly payments may be subject to interest.

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.

FAQ

CAN I PAY OFF MY PURCHASE EARLY?

Yes! There's no penalty for paying early.

HOW DO I MAKE MY PAYMENTS?

You can pay with your debit card or credit card for all Shop Pay Installments purchases on the Shop app, affirm.com or in the Affirm app.

DOES CHECKING MY ELIGIBILITY AFFECT MY CREDIT SCORE?

No–checking your eligibility won't affect your credit score.

CAN I RETURN AN ITEM I BOUGHT WITH SHOP PAY?

Yes–you can return an item (if eligible per store policy) you bought with Shop Pay by initiating the return process with the store.

DO I NEED A MOBILE NUMBER TO USE SHOP PAY?

Yes, you'll need a mobile phone number from the U.S. or U.S territories. This helps Shop Pay verify it's really you who is creating your account and signing in.

WHERE CAN I LEARN MORE ABOUT SHOP PAY?

You can visit their website at shoppay.affirm.com.

HAVE MORE QUESTIONS?

You can visit Shop Pay by Affirm for How it Works or their Help Center for more information.