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

Debit cards are accepted as a payment method for Shop Pay Instalments orders. In some cases, credit cards might also be available for certain orders.

Shop Pay Instalments is available to customers who reside in the United Kingdom, the United States, or Canada. To be eligible you must:

• Be a UK resident
• Be 18 years or over
• Have a UK mobile phone number
• Use a debit card with a UK billing address

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

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 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 payment, visit the Affirm UK Help Centre.

Gift cards cannot be purchased using Shop Pay Instalments. If you wish to purchase gift cards along with other products, you will need to place two separate orders.

To request a refund, contact us using our returns policy. If approved, 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 remaining balance, you can expect fewer payments or a smaller final payment
• If your refund is more than your remaining balance, the difference is returned to your original payment method

For more information about Shop Pay Instalments, visit the Affirm UK Help Centre.