When you choose Shop Pay at checkout, you can split your purchase into 4 equal, 0% interest installment payments — with no additional, hidden, or late fees.*
Here’s how you can use Shop Pay Installments
Add items to your shopping bag
Click the Shop Pay button for checkout
Choose to pay in 4 installments
Your first payment is either due at checkout or 2 weeks after your purchase. The next 3 remaining installments are automatically charged to your card saved on Shop Pay every 2 weeks. Don't worry, you'll get an email reminder before each payment to remind you. Shop Pay offers you the option to pay in full at checkout, or to split your purchase into 4 installments on all orders between $50 and $1,000 USD, including discounts, shipping and taxes. To use Shop Pay Installments, your shipping address needs to be in the United States.
Fees or penalties
There are no additional charges, interest rates, or late fees. You can pay your balance off early without penalty. However, if you make a partial payment or late payment, then future applications to use Shop Pay Installments might be affected.
Credit scores and eligibilityYour credit scores are not affected if you use Shop Pay Installments. However, if you don’t pay an installment, or you make a late payment, then your eligibility for making purchases using Shop Pay Installments in the future might be affected.
Restricted items There are some items that you cannot use Shop Pay Installments to purchase, including, but not limited to:
- Cash advances
- Illegal items and activities
- Weapons, including parts and accessories
- Narcotics and drug paraphernalia
- Currency, including cryptocurrency
- PayPal, Venmo, and other money transfer services
- Loan and credit card payments
- Gift cards
Terms of Service The following terms of service (“Terms of Service”) describe the terms and conditions applicable to your use of Shopify’s Shop application (“Shop”). Shop is a service that allows you to save and manage your information for a seamless checkout on certain stores that offer Shop Pay as a payment option, (each, a “Merchant”), track all of your orders and shipments in one place and allows you to search Merchants and browse and purchase products. This document is a legally binding agreement between you as the user of Shop (referred to as “you” or “your”) and Shopify Inc. and its Affiliates (referred to as “we”, “our”, “us” or “Shopify”), where “Affiliates” means any entity that directly or indirectly controls, is controlled by, or is under common control with Shopify Inc. By using the Shop app, you agree to be bound by these Terms of Service. Any new features or tools which are added to the current Shop offering shall also be subject to these Terms of Service. We reserve the right, in our sole and absolute discretion, to update and change any portion of the Terms of Service at any time by posting a notification in-app, or otherwise communicating the notification to you. You are advised to check the Terms of Service from time to time for any updates or changes that may impact you. Your continued use of Shop after the amended Terms of Service that are posted here constitutes your agreement to, and acceptance of, the amended Terms of Service. In the event you do not agree with any such updates, your sole and exclusive remedy is to terminate your use of Shop (refer to section 3). References in Shop to third party brands do not necessarily denote a relationship between Shopify and such third party.
- How it works
Installments 1.5 When you check out with Shop Pay, you may have the option to pay in installments from participating stores. Installments are a flexible payment option that can help you invest in larger purchases up to $1000 by dividing your purchase amount into four equal, biweekly, and interest-free payments. 1.6 Paying in installments with Shop Pay is powered and serviced by Affirm and is only available for payment in a limited number of stores. Shopify does not determine buyer eligibility and eligible stores determine the availability of the option to pay in installments with Shop Pay. While you can manage your payments in the Shop app, your use of installments is subject to the terms you agreed to with Affirm, including their terms of service which can be found here. Shopify is not a party to any agreement between you and Affirm, and expressly disclaims all liability with respect to such agreements. 1.7 To pay in installments with Shop Pay in a participating store, you need to meet the following requirements:
- Reside in the United States
- Sign up for Shop Pay
- Add your debit or credit card to your Shop Pay account
- Sign up for Affirm to confirm your eligibility
1.8 You can find more information on paying with installments here.
Product Recommendations 1.10 Shop’s product recommendations functionality allows you to browse, and purchase products from Merchants (“Products”). Shop will also make personalized recommendations to you based on your Saved Information.
- Shopify’s role
2.3 Occasionally there may be information available through Shop that contains typographical errors, inaccuracies or omissions that may relate to, among other things, Product descriptions, pricing, promotions, offers and availability. We have no obligation to update, amend or clarify information in Shop, including without limitation, pricing information, except as required by law or a Merchant. No specified update or refresh date should be taken to indicate that all information in Shop has been modified or updated.
- Updating or terminating your Shop account
- Representations and warranties
4.1 By using Shop you represent and warrant that you are at least 18 years of age, the information you provide to Shopify in using Shop is true and correct, that you will not use Shop for any fraudulent, unlawful, or abusive purpose, and your use of Shop is not in violation of any obligation imposed on you.
- Prohibited Uses
5.1 In addition to other prohibitions as set forth in the Terms of Service, you are prohibited from using the Shop, its content, or any of the services available through the Service: (a) for any unlawful purpose; (b) to solicit others to perform or participate in any unlawful acts; (c) to violate any international, federal, or local laws, regulations, rules, or ordinances; (d) to infringe upon or violate our intellectual property rights or the intellectual property rights of others; (e) to harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate based on gender, sexual orientation, religion, ethnicity, race, age, national origin, or disability; (f) to submit false or misleading information; (g) to upload or transmit viruses or any other type of malicious or destructive code; (h) to collect or track the personal information of others; (i) to spam, phish, pharm, pretext, spider, crawl, scrape or other similar activities; (j) for any obscene or immoral purpose; (k) to interfere with or circumvent the security features of the Service or any related website or application, other website or application, or the Internet; (l) use Shop in such a way that could overburden, attack, damage, or otherwise negatively impact the performance of Shop, or any other user’s use of Shop; (m) to modify, translate, reverse engineer, disassemble, reconstruct, decompile, copy, or create derivative works of Shop, Merchant data, any Shop Pay Site, the Services, or any aspect or portion thereof, or (n) use any robot, spider, automatic device or process, or other automated or manual means to access Shop for any purpose. We reserve the right to terminate your use of the Service or any related website or application for violating any of the prohibited uses.
- Limitation of liability; Disclaimer of warranties
6.1 TO THE EXTENT PERMITTED BY APPLICABLE LAW, YOU EXPRESSLY UNDERSTAND AND AGREE THAT IN NO EVENT SHALL SHOPIFY, ITS EMPLOYEES, AGENTS, SUPPLIERS OR INDEPENDENT CONTRACTORS (THE “DISCLAIMING ENTITIES”) BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES WHICH MAY BE INCURRED IN CONNECTION WITH ANY DISCLAIMING ENTITY OR SHOP, OR ANY GOODS, SERVICES, OR INFORMATION PURCHASED, RECEIVED, SOLD, OR PAID FOR BY WAY OF SHOP, REGARDLESS OF THE TYPE OF CLAIM OR THE NATURE OF THE CAUSE OF ACTION, EVEN IF THE DISCLAIMING ENTITY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGE OR LOSS. BECAUSE SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR THE LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, IN SUCH JURISDICTIONS, OUR LIABILITY SHALL BE LIMITED TO THE MAXIMUM EXTENT PERMITTED BY LAW. 6.2 YOU AGREE TO INDEMNIFY, DEFEND AND HOLD HARMLESS SHOPIFY AND THE DISCLAIMING ENTITIES FROM ALL CLAIMS, LOSSES, DAMAGES, PENALTIES, LIABILITY AND COSTS, INCLUDING REASONABLE ATTORNEYS’ FEES, OF ANY KIND OR NATURE ARISING OUT OF OR RELATED TO A CLAIM (A) ALLEGING THAT YOUR USE OF SHOP INFRINGES OR VIOLATES THE RIGHTS OF A THIRD PARTY (INCLUDING ANY MERCHANT) OR VIOLATES APPLICABLE LAW; OR (B) ARISING OUT OF YOUR BREACH OF THESE TERMS OF SERVICE OR THE DOCUMENTS THEY INCORPORATE BY REFERENCE. 6.3 YOUR USE OF SHOP IS AT YOUR SOLE RISK. THE SERVICE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT ANY WARRANTY OR CONDITION, EXPRESS, IMPLIED OR STATUTORY. 6.4 TO THE FULLEST EXTENT PERMITTED BY LAW, SHOPIFY AND THE DISCLAIMING ENTITIES MAKE NO REPRESENTATION OR WARRANTY OF ANY KIND WHATSOEVER FOR SHOP, THE CONTENT, MATERIALS, INFORMATION AND/OR FUNCTIONS AVAILABLE THROUGH SHOP, OR FOR ANY BREACH OF SECURITY ASSOCIATED WITH THE TRANSMISSION OF INFORMATION (INCLUDING SENSITIVE INFORMATION) THROUGH SHOP. 6.5 ANY RELIANCE ON THE MATERIAL OR INFORMATION MADE AVAILABLE THROUGH SHOP IS AT YOUR OWN RISK. WE DO NOT WARRANT THAT THE SHOP SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, OR THAT ANY ERRORS WILL BE CORRECTED. WE DO NOT WARRANT THAT THE RESULT OBTAINED FROM USE OF THE SHOP SERVICE WILL BE ACCURATE OR RELIABLE.
- Governing law
7.1 These Shop Pay Installments Terms of Service shall be governed by and interpreted in accordance with the laws of the Province of Ontario, without regard to principles of conflicts of laws. You and we irrevocably and unconditionally submit to the exclusive jurisdiction of the provincial and federal courts of Ontario with respect to any dispute or claim arising out of or in connection with these Terms of Service or your use of Shop. The United Nations Convention on Contracts for the International Sale of Goods will not apply to these Terms of Service and is hereby expressly excluded.
8.1 You may not assign these Terms of Service or any rights or obligations hereunder, by operation of law or otherwise, without our prior written approval and any such attempted assignment shall be void. We reserve the right to freely assign these Terms of Service and the rights and obligations hereunder, to any third party without notice or consent. Subject to the foregoing, these Terms of Service shall be binding upon and inure to the benefit of the parties hereto, their successors and permitted assigns.
9.1 In the event that any provision of these Terms of Service is determined by a court of competent jurisdiction to be unlawful, void, or unenforceable, such provision shall nonetheless be enforceable to the fullest extent permitted by applicable law, the unenforceable portion shall be deemed to be severed from these Terms of Service, and such determination shall not affect the validity and enforceability of any other remaining provisions.
- Waiver and entire agreement
11.1 Upon termination of your use of Shop or termination of these Terms of Service for any reason, the following sections shall survive termination: Sections 2, 3.6 and 4 through 10. If you have any questions about the Shop Service or these Terms of Service, please visit shop.app or contact email@example.com. Last Updated by Shop Pay Installments: March 22, 2021