We're proud to offer more ways to pay. Now you can pay over time with Shop Pay and choose the plan that's best for you. No late fees. Ever.

How it works

1. Add items to your basket.  2. Check out with Shop Pay.  3. Choose the option to pay in instalments.

Your first payment is due at checkout. The remaining payments are automatically charged to your card saved on Shop Pay based on the payment plan you chose. Don't worry, you'll get an email reminder before each payment to remind you.

Shop Pay Instalments offers credit in partnership with Affirm as 
lender. Affirm provides unregulated credit, subject to a credit check 
and minimum spend, which may vary. Terms apply. UK residents only, 
18 and over with a debit card. A deposit is required at checkout. 
Missed payments could affect your financial status.

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

When checking out with Shop Pay, you have the option to pay now or later. Paying in instalments on Shop Pay allows you to split your purchase amount into monthly instalments with no hidden or late fees

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

Debit cards are accepted as a payment method for Shop Pay Instalments orders in the UK.

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

Yes, in the United Kingdom, the order value limit is £30,000 GBP including discounts, shipping, and taxes.

Are there late fees?

No, there are no late fees if you miss a scheduled payment.

What if I miss an instalment 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 Instalments in the future.

If you have questions about a missed instalment payment, then visit Affirm’s Shop Pay Instalments Help Centre for customers in the United Kingdom.

What if I make a return on a purchase made through instalments with Shop Pay?

To request a refund, contact the store where you purchased your item. Using their return policy, the store will advise if a return is possible. If a return is possible, then the store will advise how much the refunded amount will be. After your refund is processed, the refund amount will be applied to your original payment method 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 interest payments, then the paid interest isn't refunded. When you make payments, the funds are first applied to the accrued unpaid interest and then to the principal. Interest is the cost of borrowing, and isn't refundable.

Have more questions?

For more information about Shop Pay Instalments, visit Affirm’s Shop Pay Instalments Help Centre for customers in the United Kingdom.

Credit is offered by Shopify International Ltd. (FRN: 1031087)in partnership with Affirm UK Limited. Shopify International Limited is an Appointed Representative of Affirm U.K. Limited, trading as Affirm, which is authorized and regulated by the Financial Conduct Authority (FRN: 756087). Affirm's company number is 10199101 and its registered office is at C/O TMF Group, 1 Angel Court, 13th Floor, London, EC2R 7HJ.