How do Shop Pay installments work?

Shop Pay is a 3rd-party service that provides an installment payment option to Tradlands customers. We also offer Afterpay as an additional installment Payment option.

Please Note: We are not responsible for outdated info, errors, holds, or missed payments with your Shop Pay account. Please consult with Shop Pay directly on any issues, questions, or concerns.

How does Shop Pay work?
When checking out with Shop Pay, you 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% APR interest, no hidden or late fees, and with eligibility check that has no impact to credit.* 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 payment methods are accepted on Shop Pay?
The installments option on Shop Pay is available on debit and credit cards.

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

How do returns work with Shop Pay?
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.

Have more questions?
For questions about installment payments on Shop Pay, visit
For questions about Shop Pay or the Shop App, visit

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