Shop Pay Installments eligibility and requirements

You can use Shop Pay Installments when you meet the eligibility criteria and are using an accepted payment method and shipping address.

1. Eligibility criteria

Location and billing address: You must reside within the United States (U.S.) or Canada (excluding Quebec) and use a payment card with a United States or Canadian billing address.
Age requirement: You must be at least 18 years old to use Shop Pay Installments in most regions. However, if you reside in any of the following areas, then you must be at least 19 years old to use Shop Pay Installments:
- Alabama
- Nebraska, if you're a ward of the state
- British Columbia, New Brunswick, Newfoundland and Labrador, the Northwest Territories, Nova Scotia, Nunavut, or the Yukon.
Shop Pay: You need to have a Shop Pay account to use Shop Pay Installments.
Currency: All transactions must be carried out in USD or CAD. Using another currency will disable the installment option.
Order value: Your order total must be between $35 and $30,000 USD or CAD, including shipping and taxes.
Prohibited items: Orders can’t 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 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.

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 aren't 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 after 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 or Canada. Customers in U.S. territories, including Puerto Rico, aren't eligible for Shop Pay Installments. Customers in Quebec also aren't eligible for Shop Pay Installments. Digital products don't require a U.S. shipping address.