Shop Pay Installments
Shop Pay Installments: A Shopify checkout option for installments, not a general-purpose checkout platform. Ranked #13 of 24 in Frictionless Checkout Software by our editors (7.8/10); pricing: Free plan; best for eligible Shopify merchants offering installments.
At a glance
- Editor score7.8 / 10
- PricingFree plan
- Best forEligible Shopify merchants offering installments
- Free planYes
- Paid fromFree
- Founded2006 · Ottawa, Ontario, Canada
- Facts checked24 Sep 2026
Where it wins
- Offers biweekly interest-free and monthly installment options
- Supports online checkout and QR-code payments through Shopify POS
- Merchants receive payment upfront through Shopify Payments
Where it doesn't
- Availability is limited to eligible stores in supported countries
- Does not support multiple currencies or subscription payments
- Merchant transaction fees apply; rates are shown in Shopify admin
Our verdict on Shop Pay Installments
Shop Pay Installments lets eligible Shopify merchants offer customers a way to split eligible purchases into payments. It supports online checkout in the United States, Canada, and United Kingdom, and in-person checkout through Shopify POS in the United States. Customers may choose biweekly interest-free installments or monthly plans, subject to eligibility and applicable rates. This is most relevant to Shopify stores that want installment financing within their checkout rather than a broader checkout product.
The payment options vary by package and eligibility. Standard plans include monthly installments up to 12 months, while eligible merchants may have premium financing options with terms up to 24 months. Customers can also see purchasing-power messaging on product and cart pages, and Shopify provides a marketing toolkit for promoting installment payments. Merchants receive payment upfront through Shopify Payments; Affirm handles installment collection from customers. The service is included with Shopify, but merchant transaction fees apply, with specific rates shown in Shopify admin.
Its fit depends on a merchant's platform and payment needs. Shop Pay Installments integrates with Shopify Payments, Shopify POS, and Shop Pay, and is cloud-based with mobile deployment. Availability is restricted to eligible stores and supported countries, and checkout options differ by location: POS checkout is available in the United States. It does not support multiple currencies or subscription payments, so stores needing either capability should consider another option. For eligible Shopify merchants seeking installment payments and upfront payouts, it may fit; merchants looking for general-purpose checkout or broader currency and billing support should look elsewhere.
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Shop Pay Installments pricing
Shop Pay Installments fact sheet
| Free plan | Yes |
|---|---|
| Paid from | Free |
| Embedded checkout | Not verified |
| One-click checkout | Not verified |
| Guest checkout | Not verified |
| Digital wallets | Not verified |
| Multi-currency checkout | No |
| Subscription payments | No |
| Deployment | Cloud, Mobile |
| Platforms | Web |
| Support | Docs, Community |
| Built for | Small business, Mid-market, Enterprise (editorial estimate) |
| Integrations | 3 integrations: Shopify Payments, Shopify POS, Shop Pay |
| Pricing | Free plan |
| Website | shopify.com |
| Facts checked | 24 Sep 2026 |
Shop Pay Installments integrations
Shop Pay Installments lists 3 integrations on its own site.
- Shopify Payments
- Shopify POS
- Shop Pay
Alternatives to Shop Pay Installments
- Stripe CheckoutA full-featured hosted and embedded checkout for one-time and recurring payments.9.3
- PayPal PaymentsA broad checkout toolkit for merchants that need many payment methods and channels.9.1
- Paddle CheckoutA merchant-of-record checkout for global one-time and subscription sales.9.0
See all Shop Pay Installments alternatives →
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Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
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