Buy now and pay later with Shop Pay.

When you make a purchase, you choose Shop Pay at checkout, you can split your purchase into 4 equal installments at 0% interest, with no additional, hidden or late fees.


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What is the option to pay in installments with Shop Pay?

When paying with Shop Pay, you now have the option to pay now or pay later.

Paying in installments with Shop Pay allows you to divide your purchase amount into 4 equal fortnightly installments, with 0% interest, no hidden or late fees, and without affecting your credit score.

In some cases, your first payment is due at the time of purchase; otherwise your first payment is due 2 weeks after your purchase.

Are there late fees?

No, there are no late fees if you don't make a payment on the scheduled date.

What happens if I return a purchase made with Shop Pay Fees?

If the refund amount is less than the amount remaining in your Shop Pay Fees balance, you may be offered one or both of the following options:

  • A lower payment balance on the final payment.
  • Less future payments on the remaining balance of the loan.

If the amount of your refund is greater than the amount remaining in your balance in Shop Pay Fees, you may receive the difference as a refund to the debit or credit card you used as your payment method within 3-10 business days. .


What forms of payment are accepted if I use the option to pay in installments with Shop Pay?

The installment option in Shop Pay is available for debit and credit card payments.


You have more questions?

  • For questions about installment payments with Shop Pay, visit
  • For questions about Shop Pay or the Shop app, visit