Shop Pay gives you the option to pay in full at checkout, or to split your purchase into four equal, bi-weekly, interest-free installment payments. When available, Shop Pay Installments is an option for orders between 50 USD and 3,000 USD.   There are no additional charges, interest rates, or late fees, and your credit score isn't affected.

To use Shop Pay Installments, you need to live in the United States and register for Shop Pay. When choosing Shop Pay Installments, the following limitations apply: You can't pay for an order if the order includes currency in any form, including virtual and digital currency, like gift cards. Orders need to be between 50 USD and 3,000 USD, including shipping and taxes. If you change your Shop Pay phone number, then you also need to update this with Affirm before you can pay for another purchase using Shop Pay Installments. Shop Pay Installments doesn't accept Capital One cards, prepaid debit cards, or prepaid credit cards.

Yes, the minimum order dollar amount of at least $35 CAD (including tax and all other fees) must be met for all Sezzle purchases. For online orders, you will not be able to complete checkout until your cart size reaches $35. 

To make account changes more streamlined, you can access nearly every setting by logging into your account and going to your account information page. You will need to use a web browser and not the Sezzle app to complete some of the changes.

You can log in to Shop Pay to view your order history and payment status for orders that are paid in installments with Shop Pay.

The installments option on Shop Pay is available on debit and credit cards with the exception of Capital One.

When using Shop Pay installments, there will be no impact to your credit score since Affirm doesn't conduct a hard credit pull or report to the credit bureaus. However, late payments and non-payments may affect your ability to pay with Shop Pay installments in the future.

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 debit card or credit card payment method within 3 to 10 business days.

Your Shop Pay Installments orders appear in the Home tab of the app. You can tap on an order for a summary of your repayment status. Tap View installments for more detailed info about past and upcoming payments.