Shop Pay Installments eligibility and requirements – Shop Help Center

1. Eligibility criteria

Location and billing address: You must reside within the United States (U.S.) and use a payment card with a United States billing address.
Age requirement: Must be at least 18 years old, or 19 years old if residing in Alabama or if you are a ward of the state in Nebraska.
Shop Pay registration: You need to be registered for Shop Pay to use the installments feature.
Currency: All transactions must be carried out in USD. Using another currency will disable the installment option.
Order value: Your order total must be between $35 USD and $30,000 USD, including shipping and taxes.
Prohibited items: Orders cannot include any form of currency, including virtual and digital currencies such as gift cards.

Accepted cards: You can pay using a supported debit or credit card. Credit cards are only accepted for bi-weekly installment plans.
Excluded cards: Capital One and Chase credit cards, as well as all prepaid cards, are not accepted.
Digital wallets: Transactions using Shop Pay Installments are not compatible with digital wallets such as Apple Pay.
Single store purchase: Purchases must be from a single store. Orders combining products from multiple stores are not 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.

Shipping addresses: Cannot support deliveries to United States army post office (APO) military APO addresses or P.O. boxes.

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.

Order total display: Interest fees owed are not included in the order total displayed in the Shop app.
Installment display options: The product display page shows bi-weekly installment options; monthly installments might be available at checkout but won't be displayed initially.

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

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 via mail.

Subscriptions and B2B: Shop Pay Installments cannot be used for subscription orders or business-to-business (B2B) transactions.
Shipping for physical products: If ordering physical products, then the shipping address must be within the United States. Customers in U.S. territories, including Puerto Rico, are not eligible for Shop Pay Installments. Digital products do not require a U.S. shipping address.