Shop Pay Installment Payments Frequently Asked Questions

Who is providing this installment plan?

The installment plan is provided fully by Shop Pay. Your installment agreement is with Shop Pay, and they have a number of resources and a help center to answer any questions you may have about the terms of your agreement.

All payments will be taken by Shop Pay to reflect the installment plan you’ve chosen.

How does it work?

  1. Add your items to your cart and click through to the check out page
  2. Select Shop Pay as your check out method
  3. Select Pay in installments and tap continue to payment plans
  4. Verify any requested information and select your preferred payment plan
  5. Select a card to use as your payment method
    1. Note: Monthly payments require a debit card
    2. Credit cards can only be used on 4 bi-weekly installments
    3. Shop Pay is unable to accept Capital One cards, prepaid debit cards, or prepaid credit cards
  6. Confirm your billing and shipping information 
    1. Currently we are only able to offer you a payment plan if you live in the US
  7. Click continue
  8. If required enter the 6-digit verification code sent by Shop Pay to your phone
  9. If you agree to the terms, select the Agree checkbox and complete your purchase 
  10. Your payment schedule will be determined by your installment option and you’ll get an email reminder before each payment in case you want to change your payment method

Are there any additional costs?

For installment orders that are split into four bi-weekly payments, Shop Pay offers installments at 0% interest, so you don’t pay any more than the original registration cost.

If you choose a monthly payment, interest rates range from 10%-36% APR

Are there any late fees?

There are no late fees, but partial or late payments may affect your ability to use Shop Pay installments in the future.

You can also pay off your balance early without any penalty.

Does it affect my credit score?

If you choose to pay in 4 bi-weekly payments, your credit scores aren’t affected. If you decide to pay monthly, these payments may be reported to a credit bureau.

What if I cancel my class before I’ve finished my installments?

The standard refund policy is in place, if you have to cancel or reschedule more than 7 days before the first day of the class, you’ll receive a full refund. If you have to cancel or reschedule within 7 days of the first class, a 50% fee will be charged, and the remaining 50% can be used as a credit toward a class taken within 6 months of the date of your original class. All cancellations requests must be made by email.

Need more information?

You can visit the Shop Pay help center to get more information about paying in installments.