Shop Pay Installments

Boost sales with buy now, pay later

Give customers more flexibility at checkout, online and in-store. Let them pay with interest-free payments, or monthly installments up to 24 months.

in partnership with

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Shop Pay Installments by the numbers

Up to 50%

increase in average order value


Shop users at your fingertips

Up to 28%

fewer abandoned carts

Get paid up front

Get paid in full for every installments purchase so you never have to chase a payment.

No hidden fees for customers

There are no surprise or late fees for your customers—ever.

Everything in one place

Track your sales, performance, and fees all from one place—your store’s admin.

Millions of shoppers are already using Shop Pay Installments

Our buy now, pay later solution is the largest installment payment provider for Shopify merchants in the United States.

Online, in-store, everywhere

Customers today expect flexible payment options everywhere they shop. Shop Pay Installments is fully integrated with your online store and Shopify POS.

Activate your built-in solution

Shop Pay Installments is fully integrated, which means no redirects and no overselling.

Convert customers on every page

Show customers they can get their favorites faster with Shop Pay Installments on every product page.

Reduce online cart abandonment

Get ahead of sticker shock with Shop Pay’s flexible payment options presented at checkout.

Drive higher spend

Show customers their Shop Pay Installments purchasing power up front on product detail pages, so they’re more confident making larger purchases.

Ring with option to pay in 6 weeks, 6 months, or 12 months
A QR code in Shopify POS is shown on an iPad directing in-store customers to scan with their own device in order pay with Shop Pay Installments in person.

Close big-ticket purchases

Let customers split investment items into smaller, more affordable payments.

Make upsells an easy sell

Make the most of every in-store shopper. Increase their purchasing power and grow your average order value.

Check out seamlessly in store

Customers simply scan a QR code on Shopify POS and complete checkout on their device.

Your customers choose how they pay

Get paid up front in full while letting customers split purchases into interest-free payments, or monthly installments. Available online and in-store. No hidden, or late fees. Plus no impact to customers' credit scores.


  • 4 interest-free payments, every 2 weeks¹
  • Monthly installments up to 12 months²


  • 4 interest-free payments, every 2 weeks¹
  • Interest-free payments up to 12 months³
  • Monthly installments up to 24 months²
  • *Premium package available to eligible merchants. Log in to check eligibility or learn more from our blog.
  • 1Customers can split purchases between $50 and $999.99 USD into 4 interest-free, bi-weekly payments.
  • 2Customers can pay monthly installments for orders between $150 and $17,500 USD.
  • 3Some merchants may only be eligible to offer customers up to 6 months of interest-free monthly installments.

We offer another buy now, pay later provider, but Shop Pay Installments is getting 90% of the action.


Kim Carrasco — COO
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The best-converting checkout on the internet

Boost conversions by up to 91% on mobile by prefilling customers' information with Shop Pay, Shopify's best one-tap checkout.

A gold ring with various gems split into several pieces to show how buyers can split payment for high value items into equal payments over 3, 6, or 12 months.

Shop pay installments

A powerful, flexible buy now, pay later solution


Help Center

Learn more about Shop Pay Installments.


Find out how Shop Pay Installments can boost your business.

Marketing toolkit

Promote buy now, pay later using approved messaging.

Frequently asked questions

  • Rates from 0-36% APR. For example, a $800 purchase might cost $72.21/mo over 12 months at 15% APR. Payment options through Shop Pay Installments are subject to eligibility and are provided by Affirm’s lending partners: Options depend on your purchase amount, and a down payment may be required. More options may be available upon approval. State notices to consumers: