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How do Shop Pay installments work?Updated 8 months ago

Think of Shop Pay as Shopify's native 'wallet' - it works similarly to Apple Pay and Google Pay. If you have a store account created within the Lume Deodorant website, Shop Pay can be set to remember your shipping address, key contact info, and preferred method of payment.


Shop Pay Installments takes this one step further, by also allowing customers to place a large order, get it now, yet pay over time.

For orders over $50*, select installments at checkout to split your purchase into 4 interest-free payments.

*Please note, orders must total $50 or more after discounts/coupons, taxes and shipping are applied. Subscriptions are not eligible for Shop Pay installments.


Does using Shop Pay Installments impact my credit score?

Nope! If you choose to pay for your order in the recommended four biweekly installments, then your credit score is NOT impacted.

If you choose to pay for your order in monthly payments and fail to make payments on time, then your credit score might be affected. Only monthly payment options might impact a customer's credit score, in addition to failed payments.


What if I have questions about Shop Pay, who do I contact?

If you have questions about your installments, making a payment, or managing your Shop Pay account, please visit: https://shoppay.affirm.com/help/s/.


If you have general questions about Shop Pay or the Shop app, please visit: https://help.shop.app/hc/en-us/categories/360006184691-Shop-Pay-Installments-.


Please note that Lume and our dedicated Customer Support team cannot access or modify your Shop Pay account or installment plan. You must visit the links above and contact Shop Pay directly.


What happens if I am refunded for an order that uses 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 payment method.

Please note that if you request a refund for an order that you have already made monthly payments for, then your paid interest isn't refunded. Interest is the cost of borrowing, and isn't refundable. For more details, please visit: https://shoppay.affirm.com/help/s/.


Which payment methods are accepted?

Shop Pay Installments is available for purchases made using a credit and debit card. Capital One cards aren't accepted.

Customers that choose a monthly payment option can only pay with a debit card.



Shop Pay Inserted an Incorrect Address or Phone Number

Our website is powered by Shopify and this is a feature called Shop Pay that is intended to accelerate the checkout process for customers. If you've used Shopify or opted-in while shopping with another merchant then Shopify Pay has most likely securely stored that information so that it can be used across different shops to quickly move through the checkout process.


If you'd like to read more about how to change your shipping address or phone number with Shopify, here's a link to some information on Shopify's Website.



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