Add items to your cart (or to your purchases).
Pay using Shop Pay.
Choose the installment payment option.
Your first payment is due at checkout. The remaining payments are automatically charged to your saved Shop Pay card based on the plan you selected. Don’t worry—you’ll receive an email reminder before each payment.
When you choose Shop Pay at checkout, you can split your purchase into flexible installment payments.
Fast decision, flexible payments, no late fees
Quick decision Get a real-time decision on your eligibility.
Easy payments Split your purchase into simple bi-weekly or monthly payments.
No surprises No hidden or late fees.
When you pay with Shop Pay, you now have the choice to pay immediately or later. Installment payments with Shop Pay allow you to split your purchase amount into four equal, interest-free bi-weekly payments (0% APR), or into monthly installments with no hidden fees or late fees.
Debit cards are accepted as a payment method for orders paid in installments with Shop Pay.
Yes. The maximum order value for purchases made using Shop Pay Installments is CAD $30,000 (including discounts, taxes, and shipping fees).
No. A request to use Shop Pay Installments can only begin at checkout. The application in-store takes just a few steps, and you’ll receive a real-time decision in minutes.
You cannot purchase gift cards with Shop Pay Installments. If you want to buy gift cards along with products eligible for Shop Pay Installments, you’ll need to place two separate orders.
No, there are no late fees if you miss a scheduled payment.
There are no late fees for customers who miss a scheduled payment. However, partial or late payments may affect your credit score or your eligibility to use Shop Pay Installments in the future.
If you have questions about a missed installment payment, visit the Shop Pay Installments Help Center by Affirm for customers in Canada.
To request a refund, follow the instructions in the Return Policy. Depending on the return policy, we will let you know if a return is possible. If a return is accepted, we’ll tell you the refund amount. Once processed, the refund 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, your next installment amount may not decrease. Instead, you may expect to make fewer payments or a lower final payment, or both.
If your refund is greater than your purchase balance, the difference will be returned to your original payment method within 3–10 business days.
If your order was paid with interest-bearing installments, the interest will not be refunded. Payments are applied first to accrued interest, then to the principal. Interest is the cost of borrowing and is non-refundable.
For more information about Shop Pay Installments, visit the Shop Pay Installments Help Center by Affirm for customers in Canada.
