Shop Pay Installments eligibility and requirements

You can use Shop Pay Installments when you meet the eligibility criteria and use an accepted payment method. If your order requires shipping, then you also need to use a supported shipping address.

1. Eligibility criteria

• Location and billing address: You must reside within Australia, Canada, the United Kingdom (UK), or the United States (US). Your payment card must have a billing address in the same country.
• Age requirement: You must be at least 18 years old to use Shop Pay Installments in Australia and most other regions. If you reside in any of the following areas, then you must be at least 19 years old to use Shop Pay Installments:
  • In the United States:
    • Alabama
    • Nebraska, if you're a ward of the state
  • In Canada:
    • British Columbia
    • New Brunswick
    • Newfoundland and Labrador
    • Northwest Territories
    • Nova Scotia
    • Nunavut
    • Yukon
• Shop Pay: You need to have a Shop Pay account to use Shop Pay Installments.
• Currency: Your transaction must use AUD, CAD, GBP, or USD, based on where you reside. Another currency prevents the installment option from being available.
• Order value: Your order total must be between the following amounts including shipping and taxes, depending on your location:
  • $50 AUD and $2,000 AUD in Australia
  • $35 and $30,000 CAD in Canada
  • £50 and £30,000 GBP in the United Kingdom
  • $35 USD and $30,000 USD in the United States
• Prohibited items: Orders can't include any form of currency, including virtual and digital currencies such as gift cards.

2. Payment method restrictions

• Accepted cards: You can pay using a supported debit or credit card, depending on your location. Monthly payments require a debit card. In Canada and the United States, credit cards are accepted only on installment plans of 4 payments. In Australia and the United Kingdom, debit cards are the only supported payment method.
• Excluded cards: Capital One and Chase credit cards, as well as all prepaid credit and debit cards, aren't accepted.
• Digital wallets: Transactions using Shop Pay Installments aren't compatible with digital wallets such as Apple Pay.
• Single store purchase: Purchases must be from a single store. Orders combining products from multiple stores aren't eligible for Shop Pay Installments.
• Final approval: Even if all criteria are met, final approval for Shop Pay Installments is determined by Affirm on a case-by-case basis.

3. Compatibility and address limitations

• Shipping addresses: Orders that require shipping can't be delivered to P.O. boxes. In the United States, orders also can't be delivered to army post office (APO) addresses.

4. Updating personal information

• Mandatory updates: Changes in your personally identifiable information (PII), such as your phone number or email address, require updates with both Shop Pay and Affirm before a new installment purchase can be made. Payments to existing orders can still be processed during this update period.

5. Payment details and options

• Order total display: Interest fees owed aren't included in the order total displayed in the Shop app.
• Installment options: Product pages list the option to pay in 4 installments in Australia, Canada, and the United States. In the United Kingdom, product pages list 3 monthly installments. Checkout might offer other monthly installment options.

6. Account modifications

• Opting out: You cannot opt out of Shop or Shop Pay while there are active installments being paid. Opting out is only possible after all payments are completed.

7. Credit considerations

• Credit adjustments: Any credit freeze or lock must be lifted before Affirm can process your application. These actions can be implemented online, by phone, or mail.

8. Purchase type and shipping limitations

• Subscriptions and B2B: Shop Pay Installments cannot be used for subscription orders or business-to-business (B2B) transactions.
• Shipping for physical products: If you're ordering physical products, then the shipping address must be within Australia, Canada, the United Kingdom, or the United States. Customers in US territories, including Puerto Rico, aren't eligible for Shop Pay Installments. Digital products don't require a shipping address.