Shop Pay Installments FAQ

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

When checking out with Shop Pay, you now 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, or monthly installments with no hidden or late fees*.

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

For non-interest bearing orders, debit and credit cards are accepted through Shop Pay. For interest bearing orders, you can only pay using a debit card. If you choose to split your total into 4 equal, interest-free payments, you may use debit and credit cards. If you choose to make monthly payments, you may only use debit cards.

Please note: Capital One cards are not accepted.

Note: We are excited to make the financing products of Shop Pay available to you to make your online shopping experience more joyful. However, as an unaffiliated entity, Shop Pay and its lenders make all decisions with regard to the particular financing product it will offer you without any input from us at STAG. As such, questions regarding the financing product offered (or not offered) to you are best directed to the great people at Shop Pay at https://shoppay.affirm.com/us/s/.

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

Shop Pay Installments is only available to customers with a United States billing address and a United States mobile phone number. Customers with international billing addresses or phone numbers can't use Shop Pay Installments.

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

Yes, 17,500 USD is the order value limit that applies to purchases using Shop Pay Installments, including discounts, shipping, and taxes.

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 you can contact Affirm support for assistance.

What happens if I am refunded for an order that uses Shop Pay Installments? 

If your refund amount is less than the amount remaining on your Shop Pay Installments balance, then you 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 your refund amount is more than the amount remaining on your Shop Pay Installments balance, then you can expect to receive the difference as a refund to your original payment method.
      Please note that if you request a refund for an order that you have already made monthly payments for, then your paid interest isn't refunded. Interest is the cost of borrowing, and isn't refundable. For more details, please visit: https://shoppay.affirm.com/help/s/

      What If I make a return on a purchase made through Installments with Shop Pay?

      After your refund is processed, the refund amount will appear on your payment schedule 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 monthly payments, then the paid interest isn't refunded. Interest is the cost of borrowing, and isn't refundable.

      Have more questions?

      For questions about installment payments on Shop Pay, visit https://shoppay.affirm.com/.

      Please note that STAG and our dedicated Customer Support team cannot access or modify your Shop Pay account or installment plan. You must visit the links above and contact Shop Pay directly.

       

      *Rates from 0% APR or 10-36% 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.


      Updated: 7.27.23