What is Shop Pay and how does it work?Updated 18 hours ago

How does paying with Shop Pay work?

Shop Pay makes checkout fast and flexible by giving you the option to pay now or pay later. 

When you choose to pay later, you can split your purchase into four equal biweekly payments with absolutely 0% interest, no hidden fees, no late fees, and no impact on your credit score. You can use both debit cards and credit cards to pay in installments with Shop Pay.

In some cases, your first payment will be due at checkout; otherwise, it will be due two weeks after your purchase.

How are refunds handled with Shop Pay installments? 

Refunds for purchases made with Shop Pay Installments are based on your remaining balance and the amount being refunded.

Once your return is processed and the refund is approved, the amount will be returned to your original payment method within 5 to 10 business days. Your Shop Pay balance will be automatically updated.

If the refund is less than your remaining balance, it may not lower your next payment. Instead, you’ll likely have fewer payments, a smaller final payment, or both.

If the refund is more than your remaining balance, the remaining balance will be cleared, and any extra amount will be refunded directly to your original payment method within 5 to 10 business days.