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All orders are subject to ShopPay's approval – for example, if you have any overdue payments, ShopPay will not be available to you. ... If a payment is not processed on or before the due date, late fees will apply – initial $10 late fee, and a further $7 if the payment remains unpaid 7 days after the due date.
You can use this loan option to pay for a variety of purchases, including clothing, home decor, electronics and health and beauty. Keep in mind that not everyone will be approved for an ShopPay loan. And even if you're approved, you may not be allowed to borrow the full amount you requested.
Can you pay off ShopPay early?
You can make payments anytime before your due date. If you'd like to make payments before your scheduled pay dates, you can do so through your ShopPay account. Just select the installment you'd like to pay early and hit "Pay Now."
Here are a few reasons why a payment can be declined with ShopPay: Your first payment amount must be available at the time of purchase - even if you have nothing to pay today. Your ShopPay account has overdue payments owing. The ShopPay risk management department has declined your payment.
ShopPay lends to the retailer, and the customer pays back ShopPay. While you may get the instant gratification of your purchase, you'll need to commit to making four fortnightly payments over eight weeks. These payments are of equal value for each order and are interest-free