Shop Pay

What is Shop Pay?

Shop Pay offers customers the option to pay in full at checkout, or to split their purchase into 4 equal, interest-free installment payments for orders between 50 USD and 1000 USD. There are no additional charges, interest rates, or late fees passed on to customers.

How it works?

1. Add items to your cart.
2. Check out with Shop Pay.
3. Choose to pay in 4 installments.

What does the option to pay with installments on shop pay mean?

When checking out with Shop Pay, you now have the option to pay now or later. Paying in installments on Shop Pay allows you to split your purchase amount into 4 equal, biweekly installment payments—with 0% interest, no hidden or late fees, and no impact on your credit score.* In some instances, your first payment is due when you make your purchase; otherwise, your first payment is due 2 weeks after your purchase.

How does paying in installments on shop pay work?

Your first payment will either be due at checkout or 2 weeks after your purchase. The next 3 remaining installments will be automatically charged to your card saved on Shop Pay every 2 weeks. And don't worry, you'll get an email reminder before each payment to keep you in the know.

Which payment methods are accepted if I use the option to pay in installments on Shop Pay? 

The installments option on Shop Pay is available on debit and credit cards.

Which purchases can I pay installments on?

Purchases between $50-1,000 of any product with the Shop Pay Installments option on the product page can be purchased using this payment method.

My installments payment using Shop Pay was rejected - Why?

Eligibility for and approval of Shop Pay Installments is managed by Shop Pay and Affirm. Poseur has no control over this process, but you should receive an email from Affirm detailing why your payment was rejected. 

What happens if I partially or fully cancel my order that was paid in installments?

If we process a refund, the refunded amount will be returned to your original payment method within 3-10 business days, and your balance will be updated. If your refund is less than your total purchase balance, it might not lower your next payment. Instead, you can expect fewer payments, a smaller final payment, or both. If your refund is more than your purchase balance, the difference will be returned to your original payment method within 3-10 business days.

Are there late fees?

No, there are no late fees if you miss a scheduled payment.

Will this affect my credit score?

No, if you choose to pay in installments through Shop Pay, there will be no impact to your credit score. For Shop Pay installments, Affirm will not report to credit bureaus.