Jewelry Shop Pay & PayPal Credit

I have both Shop Pay and PayPal Credit enabled on my website for a more flexible shopping experience.  Here's some more information about both!



What is Shop Pay?

Shop Pay gives you the option to pay in full at checkout, or to split your purchase into four equal, interest-free installment payments for orders between 50 USD and 3,000 USD. There are no additional charges, interest rates, or late fees passed on to you.

Your credit scores aren't affected if you use Shop Pay Installments. However, if you don't pay their installment, or make a late payment, then you might not be eligible to make purchases using Shop Pay Installments in the future.


To use Shop Pay, you will need to:

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

Your first payment is either due at checkout or 2 weeks after your purchase. The next 3 remaining installments are automatically charged to your card saved on Shop Pay every 2 weeks. Don't worry, you'll get an email reminder before each payment to remind you.

Are there late fees?

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

What is the option to pay in installments on Shop Pay?

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.

What if I make a return on a purchase made through Installments with Shop Pay?

If your refund amount is less than the amount remaining on your Shop Pay Installments balance, then you can expect one or both of the following:

  • A smaller payment balance on the final payment
  • Less future payments on the remaining loan balance

If your refund amount is more than the amount remaining on your Shop Pay Installments balance, then you can expect to receive the difference as a refund to your original debit card or credit card payment method within 3 to 10 business days.

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

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

*Payment options are offered by Affirm and are subject to eligibility check and might not be available in all states. California residents: Affirm Loan Services, LLC is licensed by the Department of Business Oversight. Loans are made or arranged pursuant to California Financing Law license.




6 months to pay with no interest.

What is Paypal Credit?

Paypal Credit is financing option through Paypal. It requires a credit check and they offer special financing for items purchased over $99; no interest if paid in full in 6 months!

When will my order be delivered when using Paypal Credit?

Orders will ship as normally stated in the production and processing time terms. Once your first installment is made at the point of sale, your item is ready for shipment (unless production timeline interferes.)

Visit Paypal to learn more.

Jewelry Shop Pay and Paypal CreditPurchases

No matter which financing tool you choose, Shop Pay and Paypal Credit can make handmade fine jewelry purchases more accessible, whether you’re shopping to treat yourself or looking for a special gift.