For installment orders that are split into four biweekly payments, there are no additional charges, interest rates, or late fees.

For installment orders that are paid for in monthly payments, interest rates from 10 to 36% APR apply.

Provide an answer to the FAQ that will provide customer's more information about your store, products and cultureIf your customer chooses to pay for their order in four biweekly installments, then their credit score isn't impacted.

If your customer chooses to pay for their order in monthly payments, and doesn't make their payments on time, then their credit score might be affected. Only monthly payment options might impact a customer's credit score.

If your customer chooses to pay for their order in four biweekly installments, then their credit score isn't impacted.

If your customer chooses to pay for their order in monthly payments, and doesn't make their payments on time, then their credit score might be affected. Only monthly payment options might impact a customer's credit score.

No. Customers can't buy gift cards using Shop Pay Installments.

No. Customers can't buy subscription products using Shop Pay Installments.

If the customer's refund amount is less than the amount remaining on their Shop Pay Installments balance, then the customer 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 the customer's refund amount is more than the amount remaining on their Shop Pay Installments balance, then the customer can expect to receive the difference as a refund to their original payment method. If the customer requests a refund for an order they've made monthly payments for, then their paid interest isn't refunded. Interest is the cost of borrowing, and isn't refundable.

Learn more about refunding an order.

If you add an item to an existing order made using Shop Pay Installments, then an invoice is created for the outstanding balance and sent to your customer. The customer needs to pay for the outstanding balance in full using a different payment method because additional invoices aren't supported by Shop Pay Installments.

Shop Pay Installments is available for purchases made using a credit and debit card. Capital One cards aren't accepted. Your customers that choose a monthly payment option can only pay with a debit card.

To check out using Shop Pay through an online store, complete the following steps:

1. Tap the Shop Pay button on the product page, in your cart, or at checkout.

2. Enter your email address, or select the passkey icon in the email field.

3. Do one of the following: 

• If you selected the passkey icon, then follow the prompts to sign in using your saved passkey. 
• If you set up Shop Pay, then you’ll receive a six-digit SMS verification code to the phone number on your Shop Pay account. In the Confirm it's you section, enter your six-digit code. 
• If you've previously verified your Shop email address when you set up Shop Pay, then you can click the Send me a code by email instead option. 

4. Review your order before it’s final.

5. Tap Complete purchase to finalize your order.